Bank of America

BoA Premium Rewards

$95/year, earning Bank of America Points, on the Visa network.

Card terms last verified against issuer pages on 2026-09-20.

At a glance

The BoA Premium Rewards is a $95/year card from Bank of America earning Bank of America Points. It earns 2x on travel, 2x on dining and 1.5x on everything else. It carries 2 recurring statement credits worth $125 a year, listed in full below with the cap and reset date for each.

Annual fee$95

Credits a year$125

Base rate1.5x

Foreign feeNone

What it earns

Rates are the multipliers Bank of America advertises. We do not convert them into a percentage return, because that requires putting a price on Bank of America Points and that price is a judgement, not a fact — see how we source this.

Category	Rate	Notes
Travel	2x
Dining	2x
Other	1.5x	Everything else

Statement credits

$125 a year across 2 credits against a $95 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

Airline Incidental Credit Up to $100 annual statement credit for airline incidental fees like baggage, seat upgrades, lounge access

Once a year, resets on the cardmember year

$100

Global Entry Credit Up to $100 statement credit every 4 years for Global Entry or TSA PreCheck application fee

Every 4 years, resets on the cardmember year

$100

$25

Protections and insurance

Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.

Travel Insurance — Trip cancellation/interruption, trip delay, baggage delay, lost luggage, emergency evacuation coverage

Questions people ask about the BoA Premium Rewards

What is the annual fee on the BoA Premium Rewards?

The BoA Premium Rewards has a $95 annual fee.

What statement credits does the BoA Premium Rewards include?

It carries 2 recurring statement credits worth $125 a year in total: Airline Incidental Credit ($100, resets on the cardmember year); Global Entry Credit ($25, resets on the cardmember year). Verified 2026-09-20.

What does the BoA Premium Rewards earn?

2x on travel, 2x on dining, 1.5x on other, and 1.5x on everything else, in Bank of America Points.

Is the BoA Premium Rewards worth the annual fee?

Its recurring statement credits total $125 a year against a $95 fee, so the card pays for itself on credits alone if you use 76% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.

Does the BoA Premium Rewards charge foreign transaction fees?

No — the BoA Premium Rewards has no foreign transaction fee.

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a year across 2 credits

All Bank of America cards

Verify before you apply. Card terms change without much notice, and issuers vary offers by applicant. Everything on this page was last checked on 2026-09-20 against our card database. The issuer's own terms page is the authority.