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.
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Side-by-side
Bank of America Premium Rewards vs Bank of America Travel Rewards
Both are travel travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the Bank of America Travel Rewards from Bank of America at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Bank of America and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Bank of America Premium Rewards costs $95 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Bank of America Premium Rewards | Bank of America Travel Rewards |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | 25,000 points |
| Bonus value (est.) | - | $250 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | Bank of America | Bank of America |
| Card category | travel | travel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points
Editorial take: Bank of America Travel Rewards
The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or Bank of America Travel Rewards?
- The Bank of America Travel Rewards has a public bonus (25,000 points, worth roughly $250), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Bank of America Travel Rewards?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bank of America Travel Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Bank of America Travel Rewards?
- Yes, though both are issued by Bank of America so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Bank of America Premium Rewards or the Bank of America Travel Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. Bank of America Travel Rewards: $1,000 in 3 months. 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.