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.
All credit cards
Side-by-side
Bank of America Premium Rewards vs USAA Rewards Visa Signature
Both are well-respected travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the USAA Rewards Visa Signature from USAA at $0/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 | USAA Rewards Visa Signature |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Not advertised | 2,500 USAA Rewards points |
| Bonus value (est.) | - | $25 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Bank of America | USAA |
| Card category | travel | rewards |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
USAA Rewards Visa Signature
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards Visa Signature
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or USAA Rewards Visa Signature?
- The USAA Rewards Visa Signature has a public bonus (2,500 USAA Rewards points, worth roughly $25), 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 USAA Rewards Visa Signature?
- 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 USAA Rewards Visa Signature's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and USAA Rewards Visa Signature?
- Yes, since they're from different issuers (Bank of America and USAA) 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 USAA Rewards Visa Signature first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. USAA Rewards Visa Signature: $0 in 0 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.