Full Review: Why I Chose the Bank of America® Premium Rewards® Card — And Still Use It Daily

This card surprised me. It wasn’t just the bonus or the points — it was how seamlessly it fit into my lifestyle, both for travel and everyday spending.

adminspun

adminspun · August 7, 2025 · 3 minutes

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I first considered the Bank of America® Premium Rewards® Card because I was planning a big trip and wanted to maximize my rewards.
I’d read about the 60,000-point bonus, but I assumed the value stopped there — just another intro offer. I was wrong. This card turned out to be a keeper.

Earning the bonus was easy: I just needed to spend $4,000 in the first 90 days, which I was going to do anyway between flights, hotels, and a new laptop.
The bonus translated into $600 in value — and I used that right away to offset travel costs.

But the card stood out beyond the bonus.
It earns 2 points per dollar on travel and dining — including flights, hotels, taxis, rideshares, and restaurants.
Everything else earns 1.5 points per dollar, and unlike some other cards, I didn’t have to enroll in bonus categories or track rotating offers. It’s simple, automatic, and consistent.

Then I discovered the Bank of America Preferred Rewards program, and things got even better.
Because I already had a checking account with them and some savings, I qualified for a 50% rewards boost.
That means instead of 2 points, I was getting 3 — and instead of 1.5, I was getting 2.25. That’s huge.

The card also includes two standout perks that most people overlook: a $100 annual airline incidental credit and a $100 credit for TSA PreCheck® or Global Entry.
I used the airline credit to cover baggage fees and seat upgrades on two domestic flights.
The TSA PreCheck reimbursement was automatic after I paid the application fee with the card.

For international trips, the no foreign transaction fees was a lifesaver.
I used the card all over Europe without any surprise charges — and it worked everywhere Visa is accepted.

Security and support are top-notch too.
On one occasion, my hotel tried to double-charge me, and Bank of America resolved it within 48 hours.
Their app is solid, and I love the real-time alerts and easy-to-redeem points system.

So, what’s the catch? Honestly, the $95 annual fee is fair — I earned it back within the first month through rewards and credits.
This isn’t a flashy card with luxury lounges or concierge services, but it’s incredibly practical, efficient, and valuable for people who want consistent rewards and flexible travel perks.

After nearly a year of using the Bank of America Premium Rewards Card, I can confidently say it’s one of the best financial decisions I’ve made.
It rewards how I already spend, protects me while I travel, and puts money back in my pocket month after month.

If you’re looking for a travel-friendly card that doesn’t complicate your life with confusing restrictions, this is the one to beat.
It’s not just a card I used for the bonus — it’s now the card I reach for first.

adminspun

adminspun

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