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BECU Secured Cash Back Credit Card vs Bank of America Premium Rewards
Both are well-respected travel cards. The BECU Secured Cash Back Credit Card comes from BECU at $0/yr; the Bank of America Premium Rewards from Bank of America at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Secured Cash Back Credit Card | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus | Not advertised |
| Bonus value (est.) | $0 | - |
| Min spend to unlock bonus | $0 in 0 mo | - |
| Issuer | BECU | Bank of America |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Secured Cash Back Credit Card
$0/yr · No welcome bonus
Read the full review
Bank of America Premium Rewards
$95/yr ·
Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Cash Back Credit Card or Bank of America Premium Rewards?
- The BECU Secured Cash Back Credit Card has a public bonus (No welcome bonus, worth roughly $0), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the BECU Secured Cash Back Credit Card's $0 annual fee worth it compared to the Bank of America Premium Rewards?
- The BECU Secured Cash Back Credit Card has no annual fee, so the question is whether the Bank of America Premium Rewards's $95 fee is justified by its perks. If you'll use enough of the Bank of America Premium Rewards's benefits to clear $95 in value annually, it's worth it; otherwise stick with the BECU Secured Cash Back Credit Card.
- Can I have both the BECU Secured Cash Back Credit Card and Bank of America Premium Rewards?
- Yes, since they're from different issuers (BECU and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Secured Cash Back Credit Card or the Bank of America Premium Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Cash Back Credit Card: $0 spend in 0 months. Bank of America Premium Rewards: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.