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 Capital One Spark Cash Plus
Both are well-respected travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the Capital One Spark Cash Plus from Capital One at $150/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 | Bank of America Premium Rewards | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $95 | $150 |
| Sign-up bonus | Not advertised | $4,000 cash bonus |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Bank of America | Capital One |
| Card category | travel | business |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or Capital One Spark Cash Plus?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Capital One Spark Cash Plus?
- 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 Capital One Spark Cash Plus's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Capital One Spark Cash Plus?
- Yes, since they're from different issuers (Bank of America and Capital One) 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 Bank of America Premium Rewards or the Capital One Spark Cash Plus first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. Capital One Spark Cash Plus: 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.