Tarjeta de crédito Bank of America® Premium Rewards®
Earn premium points on travel and dining, get up to $200 in travel credits, and enjoy instant card number access when you qualify. $95 annual fee applies.
The Bank of America® Premium Rewards® credit card appeals to those who want solid travel perks, instant use, and strong earning potential. With a $95 annual fee, users enjoy 2 points per dollar on travel and dining, 1.5 points per dollar on other purchases, and a sign-up bonus of 60,000 points for spending $4,000 in the first 90 days. Cardholders are also eligible for up to $200 in travel statement credits per year.
After approval, Bank of America customers applying through a targeted promotion in the mobile app can receive instant access to their card number, letting them shop in-store or online before the card even arrives.
How to Apply: Easy Steps
- Be a Bank of America customer with at least one active account.
- Find a targeted promotion in the Bank’s mobile app and apply for the Premium Rewards® credit card.
- After approval, follow prompts to access your instant card number.
- Add your card to a digital wallet for immediate use pending physical card arrival.
- Start spending and earning points right away.
Ventajas de la tarjeta de crédito Bank of America® Premium Rewards®
One major benefit is the impressive rewards rate on travel and dining, making it easy to rack up points faster. The up to $200 annual travel credits further offset the card’s fee and add to its value proposition.
Additionally, instant use through digital wallets means cardholders don’t have to wait for the physical card to unlock purchasing power. This feature makes it a practical option for those needing immediate access.
Desventajas de la tarjeta de crédito Bank of America® Premium Rewards®
While instant use is a fantastic perk, it’s only available if you already bank with Bank of America and receive a targeted mobile app offer. General applicants may need to wait for the card by mail.
The $95 annual fee may deter individuals who spend less on travel and dining or do not use the travel credits regularly, which may limit the card’s value for some users.
Nuestro veredicto final
The Bank of America® Premium Rewards® credit card stands out for its significant travel perks, instant card number access for eligible applicants, and high points earning rates. It’s ideal for loyal Bank of America customers seeking immediate card use and generous travel benefits. For those who are not eligible for instant access, consider your spending habits to ensure the $95 annual fee is worthwhile before applying.
