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Bank of America® Premium Rewards® Elite Credit Card
Bank of America® Premium Rewards® Elite Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.24% to 30.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of America® Premium Rewards® Elite Credit Card provides members big points, big credits, and more for a $550 annual fee. The card earns 2X points on travel and dining, plus 1.5X on all other purchases, but that rewards rate increases by up to 75% depending on the cardholder’s Preferred Rewards tier.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 2X points on eligible restaurant & travel purchases
- Earn 1.5X points on all other purchases
- Preferred Rewards members earn 25% to 75% more points
- Get up to $550 in automatic statement credits
- Regular Purchase APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transaction, whichever is greater
- Cash Advance APR: 23.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greate
- Penalty APR: Up to 29.99% variable based on creditworthiness
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $40
- You already bank with Bank of America
- You travel often and spend heavily to maximize points
- You want essential luxury travel perks, like TSA Precheck and lounge access
Bank of America® Premium Rewards® Credit Card
Bank of America® Premium Rewards® Credit Card
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.24% to 30.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Bank of America® Premium Rewards® Credit Card earns its “Premium” designation by showering customers with travel perks, introductory bonuses, and points rewards. Whether you travel for business or pleasure on a fairly regular basis, this card can help you get around in style and comfort without an unreasonable price tag.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening
- 2X points per dollar spent on travel and dining purchases
- 1.5X points per dollar spent on all other purchases
- $100 Airport Security Statement Credit towards TSA Pre? ® or Global Entry Application fee, every four years
- Annual $100 statement credit for airline incidentals
- No blackout dates
- No foreign transaction fee
- Regular Purchase APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.24% to 30.24% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness the Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- You regularly use a credit card to make travel or dining purchases
- You’re interested in travel insurance for vacations or business trips
- You want to enroll in TSA Pre? ® or Global Entry Services, as well as other airline privileges
- You’re looking for a credit card to use abroad without foreign transaction fees
- You can take advantage of a curated list of luxury hotel properties with unique benefits provided by Visa
BankAmericard® Credit Card
BankAmericard® Credit Card
- 16.24% to 26.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 16.24% to 26.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 19.24% to 29.24% variable based on the Prime Rate Cash Advance APR
- 0% for 21 months from account opening date Intro Purchase APR
At a Glance
The BankAmericard Mastercard is the balance transfer card designed for those who want a special intro rate and little else. The card features 0% intro APR on purchases and balance transfers for the first 21 months. The card also boasts no penalty APR and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No interest charges on purchases and balance transfers for the first 21 months from the date of account opening
- No penalty APR for late payments
- No annual fee
- Access your FICO® Score for free
- Intro Purchase APR: 0% for 21 months from account opening date
- Regular Purchase APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 21 months for any balance transfers made within 60 days from account opening date
- Balance Transfer APR: 16.24% to 26.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 19.24% to 29.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $29
- You plan to make a large purchase and use the card to pay off the balance over time
- You have existing credit card balances to combine and pay down
- You don’t want to pay an annual fee
Business Advantage Customized Cash Rewards Credit Card
Business Advantage Customized Cash Rewards Credit Card
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 9 months from account opening date Intro Purchase APR
At a Glance
The Business Advantage Cash Rewards Mastercard® is a great starter card for business owners who want customizable 3% cash back categories and a card without an annual fee. Ideal for small businesses or startups with modest expenditures.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $300 statement credit bonus after spending $3,000 with 90 days
- 3% cash back on the category of your choice
- 2% back at restaurants
- 1% cash back on all other purchases
- Cash earnings never expire
- Intro Purchase APR: 0% for 9 months from account opening date
- Regular Purchase APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 4% of the amount of each transaction, whichever is greater.
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $49
- Return Payment Penalty Fee: $39
- You have business expenses that are less than $50,000 per year
- You will take advantage of the introductory bonus by spending $3,000 in the first 90 days
- You want a versatile card that can also give you points for everyday (non-business) dining expenses
- You don’t want to pay an annual fee
Business Advantage Unlimited Cash Rewards Credit Card
Business Advantage Unlimited Cash Rewards Credit Card
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for the 9 months Intro Purchase APR
At a Glance
The Business Advantage Unlimited Cash Rewards Credit Card provides a base rate of unlimited 1.5% cash back on purchases, with that rate rising to 2.62% for eligible Preferred Rewards for Business account holders. The card also provides a decent selection of introductory bonuses with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Unlimited 1.5% cash back on every purchase
- Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
- 0% Intro APR on purchases for 9 billing cycles from account opening
- Intro Purchase APR: 0% for the 9 months
- Regular Purchase APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 18.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the U.S. dollar amount of each transactio
- Late Payment Penalty Fee: Up to $49
- Minimum Deposit Required: N/AP TO $49
- You own a small-to-medium-sized company and want an unlimited cash back card
- You already have a deposit account with Bank of America, including a Preferred Rewards for Business account
- You don’t want to pay an annual fee
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Preferred rewards tiers also enjoy enhanced earning rates on Merrill Lynch investment accounts, mortgage origination fees savings, home equity discounts, auto loan discounts, and more.
Bank of America Premium Rewards
BOA Premium Rewards are the pinnacle of rewards for Bank of America credit card customers. Bank of America Premium Rewards has a value of approximately one cent per point. To be eligible for Premium Rewards, you’ll need to have the Bank of America® Premium Rewards® Credit Card.
BOA Premium Rewards are earnable on every purchase, with additional rewards in select categories. Those categories are travel and dining, with the travel category encompassing the following:
| Airline, bus, and cruise tickets | Auto and boat rentals | Tours and attractions |
| Taxis, tolls, and parking garage fees | Hotels, timeshares, and campground rentals | |
Redeeming Premium Rewards is also straightforward, with the following options available:
| Statement credits | Cash back into a Bank of America account | Credits for Merril investments | Travel Center gift cards |
Premium Rewards Credit Cardholders also receive additional travel perks and benefits. These include:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement | Luxury Hotel Collection | Extended Warranty Coverage |
| Roadside Dispatch | Lost/Stolen Card Reporting | ID Navigator from Norton | Travel & Emergency Assistance |
Other Bank of America Rewards
Travel Rewards
Bank of America® Travel Rewards is one of the types of BOA credit card rewards. BOA Travel Rewards apply towards travel statement credits using a Bank of America travel credit card. Cardholders also earn loyalty bonuses if they are an existing Bank of America banking customer, or a Merrill wealth account customer.
Cash Rewards
Bank of America® Cash Rewards is another popular option for BOA credit cardholders. Cash rewards allow holders to select their preferred 3% cash back category. Options for 3% back categories include travel, gas, or online shopping purchases. These rewards also have a higher spend limit than many other cash back programs, with BOA credit cards enjoying up to $2,500 in quarterly spending caps, compared with $1,500 with many different credit card issuers.
Cash Rewards and Travel Rewards Member Benefits
Travel and cash Rewards members also enjoy Visa® benefits and perks, including:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement | Luxury Hotel Collection | Extended Warranty Coverage |
| Roadside Dispatch | Lost/Stolen Card Reporting | ID Navigator from Norton | Travel & Emergency Assistance |
FAQs About Bank of America
- You can contact BoA customer service at 1 (800) 732-9194. The agents can help with disputes, bill and account management, closing accounts, and more.
- Bank of America typically uses Experian for checking credit. That said, they may use any of the big three, Equifax, Experian, or TransUnion.
- Bank of America says you will receive your card within 10 business days after you’re approved. There is no option for expediting, but the company may provide an instant card number on select co-branded cards
- Getting cash with your credit card is known as a cash advance. This process works in the same way as a debit card withdrawal, but with set limits on how much you can pull (usually around 20% of your credit limit), higher than average interest rates, and fees.