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 Truist Enjoy Beyond Credit Card
Both are travel travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the Truist Enjoy Beyond Credit Card from Truist 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 | Bank of America Premium Rewards | Truist Enjoy Beyond Credit Card |
|---|---|---|
| Annual fee | $95 | $95 |
| Sign-up bonus | Not advertised | 30,000 bonus points |
| Bonus value (est.) | - | $300 |
| Min spend to unlock bonus | - | $1,500 in 3 mo |
| Issuer | Bank of America | Truist |
| 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
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Editorial take: Truist Enjoy Beyond Credit Card
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or Truist Enjoy Beyond Credit Card?
- The Truist Enjoy Beyond Credit Card has a public bonus (30,000 bonus points, worth roughly $300), 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 Truist Enjoy Beyond Credit Card?
- 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 Truist Enjoy Beyond Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Truist Enjoy Beyond Credit Card?
- Yes, since they're from different issuers (Bank of America and Truist) 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 Truist Enjoy Beyond Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. Truist Enjoy Beyond Credit Card: $1,500 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.