# Bank of America® Premium Rewards® Credit Card

> Earn up to 2% on dining and 2% on travel. $200+ in statement credits per year. $95 annual fee.

Canonical page: https://cardstack.money/cards/bank-of-america-premium-rewards-credit-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Bank of America
- Network: Visa
- Annual fee: $95
- Rewards program: Preferred Rewards (https://cardstack.money/programs/bank-of-america-rewards.md)
- Total statement credits value: $200 per year
- Net value after annual fee: +$105 per year (credits value minus fee)
- Welcome offer: 60,000 points after you spend $4,000 in the first 3 months.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 2x | Dining |  |
| 2x | Travel |  |
| 2x | Flights |  |
| 2x | Hotels |  |
| 1.5x | All other purchases | Base earn rate |

## Statement credits

### Airline Incidental Credit - $100/yr ($100 annual)

$100 annual airline incidental credit for seat upgrades, baggage fees, lounge fees, and inflight services.

- Resets: Calendar year
- Where to redeem: Card benefits (https://www.bankofamerica.com/credit-cards/benefits/), Delta Air Lines (https://www.delta.com)
- Details: https://cardstack.money/benefits/bank-of-america-premium-rewards-credit-card-airline-incidental-credit.md

### TSA PreCheck/Global Entry - $100/yr ($100 every 4 years)

$100 credit for TSA PreCheck or Global Entry application fee (every 4 years).

- Resets: Every 4 years
- Where to redeem: Apply at ttp.cbp.dhs.gov or TSA PreCheck enrollment centers
- Details: https://cardstack.money/benefits/bank-of-america-premium-rewards-credit-card-tsa-precheckglobal-entry.md

## Other benefits

- **Preferred Rewards clients can boost earnings by 25% to 75%**: Higher earn rates when you maintain qualifying balances with the bank; tier rules apply.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.
- **Travel and Purchase Protections**: May include trip delay/cancellation coverage and purchase-related protections; see issuer benefit guide for details.


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CardStack automatically tracks the Bank of America Premium Rewards's $200 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863