{"id":21922,"date":"2025-10-22T14:15:37","date_gmt":"2025-10-22T14:15:37","guid":{"rendered":"https:\/\/incredipros.com\/?p=21922"},"modified":"2025-10-22T14:15:38","modified_gmt":"2025-10-22T14:15:38","slug":"bank-of-america-premium-rewards-vs-bank-of-america-travel-rewards","status":"publish","type":"post","link":"https:\/\/incredipros.com\/?p=21922","title":{"rendered":"Bank Of America Premium Rewards Vs. Bank Of America Travel Rewards"},"content":{"rendered":"<div>\n<div id=\"block_493378f65a9bc33b01c80ae3e714313e\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Both the Bank of America\u00ae Premium Rewards\u00ae credit card and the Bank of America\u00ae Travel Rewards credit card offer flexible rewards points with multiple redemption options, a base rate of 1.5X points on regular purchases, no foreign transaction fees and a higher rewards potential if you\u2019re a member of the Bank of America Preferred Rewards program.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Bank of America Premium Rewards credit card comes with a more generous welcome bonus and earns more points on dining and travel purchases \u2014 although it does charge an annual fee.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The Bank of America Travel Rewards credit card includes a welcome offer, an intro APR offer and no annual fee.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Although not as popular as travel credit cards from other issuers, Bank of America boasts its own travel rewards credit cards. Stand-out offerings include the Bank of America\u00ae Premium Rewards\u00ae credit card and the Bank of America\u00ae Travel Rewards credit card, both of which offer flexible <u>travel rewards points<\/u> and a base rate of 1.5X points on regular purchases.<\/p>\n<p>If you can\u2019t decide between these two cards, it\u2019s smart to compare them based on their full rewards rates, welcome offers and benefits. Read on to learn how they stack up in the most important categories.<\/p>\n<h2 id=\"details\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Main details\" data-outcome=\"\">Main details<\/h2>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table is-style-stripes wrapped\">\n<thead>\n<tr>\n<th><strong>Cards<\/strong><\/th>\n<th><strong><span data-capi-name=\"220612356\">Bank of America\u00ae Premium Rewards\u00ae credit card<\/span><\/strong><\/th>\n<th><strong><span data-capi-name=\"22079418\">Bank of America\u00ae Travel Rewards credit card<\/span><\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Welcome bonus<\/td>\n<td><span data-capi-intro-bonus=\"220612356\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"220612356\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Receive 60,000 online bonus points &#8211; a $600 value &#8211; after you make at least $4,000 in purchases in the first 90 days of account opening.<\/li>\n<\/ul>\n<p><\/span><\/td>\n<td><span data-capi-intro-bonus=\"22079418\"><\/p>\n<ul class=\"capi-bullets\" data-capi-bullets=\"22079418\">\n<li class=\"capi-bullets__item\" data-index=\"0\">25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening &#8211; that can be a $250 statement credit toward travel purchases.<\/li>\n<\/ul>\n<p><\/span><\/td>\n<\/tr>\n<tr>\n<td>Rewards rate<\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"220612356\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn unlimited 2 points for every $1 spent on travel and dining purchases.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn unlimited 1.5 points for every $1 spent on all other purchases.<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul class=\"capi-bullets\" data-capi-reward-rates=\"22079418\">\n<li class=\"capi-bullets__item\" data-index=\"0\">Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.<\/li>\n<li class=\"capi-bullets__item\" data-index=\"1\">Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don&#8217;t expire as long as your account remains open.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Intro APR offer<\/td>\n<td>\n<!-- Error retrieving \"introductory\" \"purchases\" APR for \"220612356\" -->N\/A<\/td>\n<td>\n<span data-capi-apr=\"introductory_purchases\" data-pid=\"22079418\">0% Intro APR for 15 billing cycles for purchases<\/span>, and for any balance transfers made in the first 60 days. After the intro APR offer ends, a <span data-capi-apr=\"ongoing_purchases\" data-pid=\"22079418\">17.99% &#8211; 27.99% Variable APR on purchases and balance transfers<\/span> will apply. There is an intro balance transfer fee of 3% for 60 days from account opening, then 4% will apply.<\/td>\n<\/tr>\n<tr>\n<td>Annual fee<\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"220612356\">$95<\/span><\/td>\n<td><span data-capi-fee=\"ongoing_annual\" data-pid=\"22079418\">$0<\/span><\/td>\n<\/tr>\n<tr>\n<td>Foreign transaction fee<\/td>\n<td><span data-capi-fee=\"foreign_exchange\" data-pid=\"220612356\">None<\/span><\/td>\n<td><span data-capi-fee=\"foreign_exchange\" data-pid=\"22079418\">None<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"highlights\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bank of America Travel Rewards vs. Bank of America Premium Rewards highlights\" data-outcome=\"\">Bank of America Travel Rewards vs. Bank of America Premium Rewards highlights<\/h2>\n<p>As you compare the Bank of America Premium Rewards credit card vs. the Bank of America Travel Rewards credit card, consider which one wins in the following important categories.<\/p>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-featured\">\n<div class=\"FeatureTag-container relative\">\n<div class=\"FeatureTag bg-teal-600 h-10 max-h-10 text-white flex flex-row items-center justify-center text-white gap-x-2\">\n        <span class=\"block Icon Icon--xs\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Badge Icon<\/title>\n<path d=\"M13.007 23.965c-.883 0-1.71-.335-2.336-.95l-.033-.033-.794-.793a1.549 1.549 0 0 0-1.095-.458H7.63a3.362 3.362 0 0 1-3.353-3.35v-1.128c0-.413-.156-.804-.458-1.095l-.782-.781a3.359 3.359 0 0 1-.023-4.736l.023-.022.782-.782c.29-.29.458-.681.458-1.094V7.548a3.36 3.36 0 0 1 3.353-3.273H8.75c.413 0 .805-.167 1.106-.458l.783-.781c1.307-1.307 3.431-1.318 4.739-.011l.793.792c.29.29.693.458 1.095.458h1.118a3.362 3.362 0 0 1 3.353 3.35v1.118c0 .413.157.804.458 1.105l.783.782a3.348 3.348 0 0 1 .011 4.735l-.794.793c-.29.29-.447.682-.447 1.095v1.117c0 .893-.346 1.73-.983 2.367a3.37 3.37 0 0 1-2.37.983h-1.128c-.414 0-.805.168-1.096.458l-.782.782a3.28 3.28 0 0 1-2.358.983h-.012l-.01.022Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.665 22.008c.626.614 1.453.95 2.336.95l.011-.023h.011a3.28 3.28 0 0 0 2.359-.983l.782-.782c.29-.29.682-.457 1.095-.457h1.129a3.37 3.37 0 0 0 2.37-.983 3.319 3.319 0 0 0 .983-2.368v-1.117c0-.413.157-.804.447-1.094l.794-.793a3.348 3.348 0 0 0-.012-4.735l-.782-.782a1.545 1.545 0 0 1-.458-1.106V6.618a3.362 3.362 0 0 0-3.353-3.35h-1.118c-.402 0-.805-.168-1.095-.458l-.794-.793a3.354 3.354 0 0 0-4.739.011l-.782.782c-.302.29-.693.458-1.106.458H6.625A3.36 3.36 0 0 0 3.272 6.54v1.195c0 .413-.168.804-.458 1.095l-.783.781-.022.023a3.358 3.358 0 0 0 .022 4.735l.783.782c.301.29.458.681.458 1.094v1.128a3.362 3.362 0 0 0 3.353 3.35h1.118c.413 0 .804.168 1.095.459l.793.793.034.033Zm1.23-1.295-.023-.023h.011l-.771-.77a3.315 3.315 0 0 0-2.358-.972H6.636c-.86 0-1.565-.704-1.565-1.564v-1.128c0-.882-.346-1.72-.972-2.356l-.782-.782a1.563 1.563 0 0 1-.023-2.2l.794-.793A3.31 3.31 0 0 0 5.06 7.77V6.652c0-.86.704-1.564 1.565-1.564h1.118a3.36 3.36 0 0 0 2.369-.971l.782-.782a1.573 1.573 0 0 1 2.224 0l.783.782a3.314 3.314 0 0 0 2.358.971h1.118c.86 0 1.565.704 1.565 1.564v1.117c0 .893.346 1.73.972 2.367l.782.782a1.577 1.577 0 0 1 0 2.211l-.793.793a3.31 3.31 0 0 0-.973 2.357v1.117c0 .424-.167.815-.458 1.105a1.548 1.548 0 0 1-1.106.458h-1.13c-.871 0-1.732.346-2.357.972l-.783.782c-.302.29-.693.457-1.106.457-.414 0-.805-.167-1.096-.457Zm-.04-5.462h.006-.011.005Zm-.631-.257a.905.905 0 0 0 1.263 0l4.549-4.556a.896.896 0 0 0 0-1.262.898.898 0 0 0-1.263 0l-3.923 3.92-1.576-1.575a.898.898 0 0 0-1.263 0 .896.896 0 0 0 0 1.262l2.213 2.211Z\" class=\"icon-base\"\/><\/svg> <\/span><br \/>\n        <span class=\"block capitalize\">Welcome bonus winner<\/span><br \/>\n        <span class=\"w-1\"\/>\n    <\/div>\n<\/div><\/div>\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The Bank of America Premium Rewards credit card is the clear winner since you can earn 60,000 online bonus points after spending $4,000 on purchases in the first 90 days, which is more than the Bank of America Travel Rewards card\u2019s 25,000 online bonus points (after spending $1,000 within 90 days).<\/p>\n<p>Considering that points earned with either card are worth 1 cent each, this means that the Bank of America Premium Rewards credit card bonus is worth $600 and the Bank of America Travel Rewards credit card bonus is worth $250.<\/p>\n<p>However, it\u2019s worth noting that the Bank of America Travel Rewards credit card\u2019s bonus may be easier to obtain for light spenders due to the significantly lower spending threshold in the same timeframe.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-featured\">\n<div class=\"FeatureTag-container relative\">\n<div class=\"FeatureTag bg-teal-600 h-10 max-h-10 text-white flex flex-row items-center justify-center text-white gap-x-2\">\n        <span class=\"block Icon Icon--xs\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Badge Icon<\/title>\n<path d=\"M13.007 23.965c-.883 0-1.71-.335-2.336-.95l-.033-.033-.794-.793a1.549 1.549 0 0 0-1.095-.458H7.63a3.362 3.362 0 0 1-3.353-3.35v-1.128c0-.413-.156-.804-.458-1.095l-.782-.781a3.359 3.359 0 0 1-.023-4.736l.023-.022.782-.782c.29-.29.458-.681.458-1.094V7.548a3.36 3.36 0 0 1 3.353-3.273H8.75c.413 0 .805-.167 1.106-.458l.783-.781c1.307-1.307 3.431-1.318 4.739-.011l.793.792c.29.29.693.458 1.095.458h1.118a3.362 3.362 0 0 1 3.353 3.35v1.118c0 .413.157.804.458 1.105l.783.782a3.348 3.348 0 0 1 .011 4.735l-.794.793c-.29.29-.447.682-.447 1.095v1.117c0 .893-.346 1.73-.983 2.367a3.37 3.37 0 0 1-2.37.983h-1.128c-.414 0-.805.168-1.096.458l-.782.782a3.28 3.28 0 0 1-2.358.983h-.012l-.01.022Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.665 22.008c.626.614 1.453.95 2.336.95l.011-.023h.011a3.28 3.28 0 0 0 2.359-.983l.782-.782c.29-.29.682-.457 1.095-.457h1.129a3.37 3.37 0 0 0 2.37-.983 3.319 3.319 0 0 0 .983-2.368v-1.117c0-.413.157-.804.447-1.094l.794-.793a3.348 3.348 0 0 0-.012-4.735l-.782-.782a1.545 1.545 0 0 1-.458-1.106V6.618a3.362 3.362 0 0 0-3.353-3.35h-1.118c-.402 0-.805-.168-1.095-.458l-.794-.793a3.354 3.354 0 0 0-4.739.011l-.782.782c-.302.29-.693.458-1.106.458H6.625A3.36 3.36 0 0 0 3.272 6.54v1.195c0 .413-.168.804-.458 1.095l-.783.781-.022.023a3.358 3.358 0 0 0 .022 4.735l.783.782c.301.29.458.681.458 1.094v1.128a3.362 3.362 0 0 0 3.353 3.35h1.118c.413 0 .804.168 1.095.459l.793.793.034.033Zm1.23-1.295-.023-.023h.011l-.771-.77a3.315 3.315 0 0 0-2.358-.972H6.636c-.86 0-1.565-.704-1.565-1.564v-1.128c0-.882-.346-1.72-.972-2.356l-.782-.782a1.563 1.563 0 0 1-.023-2.2l.794-.793A3.31 3.31 0 0 0 5.06 7.77V6.652c0-.86.704-1.564 1.565-1.564h1.118a3.36 3.36 0 0 0 2.369-.971l.782-.782a1.573 1.573 0 0 1 2.224 0l.783.782a3.314 3.314 0 0 0 2.358.971h1.118c.86 0 1.565.704 1.565 1.564v1.117c0 .893.346 1.73.972 2.367l.782.782a1.577 1.577 0 0 1 0 2.211l-.793.793a3.31 3.31 0 0 0-.973 2.357v1.117c0 .424-.167.815-.458 1.105a1.548 1.548 0 0 1-1.106.458h-1.13c-.871 0-1.732.346-2.357.972l-.783.782c-.302.29-.693.457-1.106.457-.414 0-.805-.167-1.096-.457Zm-.04-5.462h.006-.011.005Zm-.631-.257a.905.905 0 0 0 1.263 0l4.549-4.556a.896.896 0 0 0 0-1.262.898.898 0 0 0-1.263 0l-3.923 3.92-1.576-1.575a.898.898 0 0 0-1.263 0 .896.896 0 0 0 0 1.262l2.213 2.211Z\" class=\"icon-base\"\/><\/svg> <\/span><br \/>\n        <span class=\"block capitalize\">Rewards rate winner<\/span><br \/>\n        <span class=\"w-1\"\/>\n    <\/div>\n<\/div><\/div>\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>While the Bank of America Travel Rewards credit card offers a flat rate of 1.5X points on all purchases and 3X points on Bank of America Travel Center purchases, the Bank of America Premium Rewards credit card wins in this category, too.<\/p>\n<p>Not only does the Bank of America Premium Rewards card let you earn\u00a0the same flat rate of 1.5X points on general purchases, but you\u2019ll also earn 2X points per dollar on all dining and travel purchases. You won\u2019t be restricted to purchasing travel through the Bank of America Travel Center to earn the 2X points on travel, either.<\/p>\n<p>In addition, the Premium Rewards card\u2019s rewards are more flexible than the Travel Rewards card\u2019s. With the Premium Rewards card, you can redeem your points for maximum value (1 cent per point) via direct cash back, while the Travel Rewards card gives you 1 cent per point when redeeming for a statement credit against eligible travel and dining purchases but only 0.6 cent per point when redeeming for cash back.<\/p>\n<p>Both of these cards have a higher rewards potential if you\u2019re a member of the\u00a0Bank of America Preferred Rewards program. Depending on the tier of membership you qualify for, you could earn 25 percent to 75 percent more points for each dollar you spend.<\/p>\n<p>\u00a0<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-featured\">\n<div class=\"FeatureTag-container relative\">\n<div class=\"FeatureTag bg-teal-600 h-10 max-h-10 text-white flex flex-row items-center justify-center text-white gap-x-2\">\n        <span class=\"block Icon Icon--xs\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Badge Icon<\/title>\n<path d=\"M13.007 23.965c-.883 0-1.71-.335-2.336-.95l-.033-.033-.794-.793a1.549 1.549 0 0 0-1.095-.458H7.63a3.362 3.362 0 0 1-3.353-3.35v-1.128c0-.413-.156-.804-.458-1.095l-.782-.781a3.359 3.359 0 0 1-.023-4.736l.023-.022.782-.782c.29-.29.458-.681.458-1.094V7.548a3.36 3.36 0 0 1 3.353-3.273H8.75c.413 0 .805-.167 1.106-.458l.783-.781c1.307-1.307 3.431-1.318 4.739-.011l.793.792c.29.29.693.458 1.095.458h1.118a3.362 3.362 0 0 1 3.353 3.35v1.118c0 .413.157.804.458 1.105l.783.782a3.348 3.348 0 0 1 .011 4.735l-.794.793c-.29.29-.447.682-.447 1.095v1.117c0 .893-.346 1.73-.983 2.367a3.37 3.37 0 0 1-2.37.983h-1.128c-.414 0-.805.168-1.096.458l-.782.782a3.28 3.28 0 0 1-2.358.983h-.012l-.01.022Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.665 22.008c.626.614 1.453.95 2.336.95l.011-.023h.011a3.28 3.28 0 0 0 2.359-.983l.782-.782c.29-.29.682-.457 1.095-.457h1.129a3.37 3.37 0 0 0 2.37-.983 3.319 3.319 0 0 0 .983-2.368v-1.117c0-.413.157-.804.447-1.094l.794-.793a3.348 3.348 0 0 0-.012-4.735l-.782-.782a1.545 1.545 0 0 1-.458-1.106V6.618a3.362 3.362 0 0 0-3.353-3.35h-1.118c-.402 0-.805-.168-1.095-.458l-.794-.793a3.354 3.354 0 0 0-4.739.011l-.782.782c-.302.29-.693.458-1.106.458H6.625A3.36 3.36 0 0 0 3.272 6.54v1.195c0 .413-.168.804-.458 1.095l-.783.781-.022.023a3.358 3.358 0 0 0 .022 4.735l.783.782c.301.29.458.681.458 1.094v1.128a3.362 3.362 0 0 0 3.353 3.35h1.118c.413 0 .804.168 1.095.459l.793.793.034.033Zm1.23-1.295-.023-.023h.011l-.771-.77a3.315 3.315 0 0 0-2.358-.972H6.636c-.86 0-1.565-.704-1.565-1.564v-1.128c0-.882-.346-1.72-.972-2.356l-.782-.782a1.563 1.563 0 0 1-.023-2.2l.794-.793A3.31 3.31 0 0 0 5.06 7.77V6.652c0-.86.704-1.564 1.565-1.564h1.118a3.36 3.36 0 0 0 2.369-.971l.782-.782a1.573 1.573 0 0 1 2.224 0l.783.782a3.314 3.314 0 0 0 2.358.971h1.118c.86 0 1.565.704 1.565 1.564v1.117c0 .893.346 1.73.972 2.367l.782.782a1.577 1.577 0 0 1 0 2.211l-.793.793a3.31 3.31 0 0 0-.973 2.357v1.117c0 .424-.167.815-.458 1.105a1.548 1.548 0 0 1-1.106.458h-1.13c-.871 0-1.732.346-2.357.972l-.783.782c-.302.29-.693.457-1.106.457-.414 0-.805-.167-1.096-.457Zm-.04-5.462h.006-.011.005Zm-.631-.257a.905.905 0 0 0 1.263 0l4.549-4.556a.896.896 0 0 0 0-1.262.898.898 0 0 0-1.263 0l-3.923 3.92-1.576-1.575a.898.898 0 0 0-1.263 0 .896.896 0 0 0 0 1.262l2.213 2.211Z\" class=\"icon-base\"\/><\/svg> <\/span><br \/>\n        <span class=\"block capitalize\">Annual fee winner<\/span><br \/>\n        <span class=\"w-1\"\/>\n    <\/div>\n<\/div><\/div>\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-it-won', 'heading-why-it-won']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-why-it-won')\" :aria-controls=\"$id('panel-why-it-won')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why it won<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-it-won')\" :aria-labelledby=\"$id('heading-why-it-won')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>The Bank of America Travel Rewards credit card comes with no annual fee. In contrast, the Bank of America Premium Rewards credit card charges a <span data-capi-fee=\"ongoing_annual\" data-pid=\"220612356\">$95<\/span> annual fee.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"my-16\">\n<div class=\"ProductCard\">\n<div class=\"ProductCard-featured\">\n<div class=\"FeatureTag-container relative\">\n<div class=\"FeatureTag bg-teal-600 h-10 max-h-10 text-white flex flex-row items-center justify-center text-white gap-x-2\">\n        <span class=\"block Icon Icon--xs\"> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Badge Icon<\/title>\n<path d=\"M13.007 23.965c-.883 0-1.71-.335-2.336-.95l-.033-.033-.794-.793a1.549 1.549 0 0 0-1.095-.458H7.63a3.362 3.362 0 0 1-3.353-3.35v-1.128c0-.413-.156-.804-.458-1.095l-.782-.781a3.359 3.359 0 0 1-.023-4.736l.023-.022.782-.782c.29-.29.458-.681.458-1.094V7.548a3.36 3.36 0 0 1 3.353-3.273H8.75c.413 0 .805-.167 1.106-.458l.783-.781c1.307-1.307 3.431-1.318 4.739-.011l.793.792c.29.29.693.458 1.095.458h1.118a3.362 3.362 0 0 1 3.353 3.35v1.118c0 .413.157.804.458 1.105l.783.782a3.348 3.348 0 0 1 .011 4.735l-.794.793c-.29.29-.447.682-.447 1.095v1.117c0 .893-.346 1.73-.983 2.367a3.37 3.37 0 0 1-2.37.983h-1.128c-.414 0-.805.168-1.096.458l-.782.782a3.28 3.28 0 0 1-2.358.983h-.012l-.01.022Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.665 22.008c.626.614 1.453.95 2.336.95l.011-.023h.011a3.28 3.28 0 0 0 2.359-.983l.782-.782c.29-.29.682-.457 1.095-.457h1.129a3.37 3.37 0 0 0 2.37-.983 3.319 3.319 0 0 0 .983-2.368v-1.117c0-.413.157-.804.447-1.094l.794-.793a3.348 3.348 0 0 0-.012-4.735l-.782-.782a1.545 1.545 0 0 1-.458-1.106V6.618a3.362 3.362 0 0 0-3.353-3.35h-1.118c-.402 0-.805-.168-1.095-.458l-.794-.793a3.354 3.354 0 0 0-4.739.011l-.782.782c-.302.29-.693.458-1.106.458H6.625A3.36 3.36 0 0 0 3.272 6.54v1.195c0 .413-.168.804-.458 1.095l-.783.781-.022.023a3.358 3.358 0 0 0 .022 4.735l.783.782c.301.29.458.681.458 1.094v1.128a3.362 3.362 0 0 0 3.353 3.35h1.118c.413 0 .804.168 1.095.459l.793.793.034.033Zm1.23-1.295-.023-.023h.011l-.771-.77a3.315 3.315 0 0 0-2.358-.972H6.636c-.86 0-1.565-.704-1.565-1.564v-1.128c0-.882-.346-1.72-.972-2.356l-.782-.782a1.563 1.563 0 0 1-.023-2.2l.794-.793A3.31 3.31 0 0 0 5.06 7.77V6.652c0-.86.704-1.564 1.565-1.564h1.118a3.36 3.36 0 0 0 2.369-.971l.782-.782a1.573 1.573 0 0 1 2.224 0l.783.782a3.314 3.314 0 0 0 2.358.971h1.118c.86 0 1.565.704 1.565 1.564v1.117c0 .893.346 1.73.972 2.367l.782.782a1.577 1.577 0 0 1 0 2.211l-.793.793a3.31 3.31 0 0 0-.973 2.357v1.117c0 .424-.167.815-.458 1.105a1.548 1.548 0 0 1-1.106.458h-1.13c-.871 0-1.732.346-2.357.972l-.783.782c-.302.29-.693.457-1.106.457-.414 0-.805-.167-1.096-.457Zm-.04-5.462h.006-.011.005Zm-.631-.257a.905.905 0 0 0 1.263 0l4.549-4.556a.896.896 0 0 0 0-1.262.898.898 0 0 0-1.263 0l-3.923 3.92-1.576-1.575a.898.898 0 0 0-1.263 0 .896.896 0 0 0 0 1.262l2.213 2.211Z\" class=\"icon-base\"\/><\/svg> <\/span><br \/>\n        <span class=\"block capitalize\">Foreign transaction fee winner<\/span><br \/>\n        <span class=\"w-1\"\/>\n    <\/div>\n<\/div><\/div>\n<div class=\"ProductCard-body\">\n<ul class=\"Accordion w-full\">\n<li x-id=\"['panel-why-they-tied', 'heading-why-they-tied']\" x-data=\"{ expanded: 1 }\" class=\"Accordion-item\">\n        <button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" aria-expanded=\"true\" :id=\"$id('heading-why-they-tied')\" :aria-controls=\"$id('panel-why-they-tied')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><\/p>\n<p>        <!-- htmlmin:ignore --><\/p>\n<h6 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why they tied<br \/>\n    <\/h6>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>        <span class=\"Accordion-icon Icon mb-0 block leading-none Icon--xs icon-base-gray-900\" aria-hidden=\"true\"><br \/>\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg>        <\/span><br \/>\n    <\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-they-tied')\" :aria-labelledby=\"$id('heading-why-they-tied')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\">\n<div class=\"Accordion-content text-gray-700\">\n<div class=\"wysiwyg wysiwyg--flush has-links text-gray-700\">\n<p>Neither of these rewards cards charges foreign transaction fees on purchases made in a foreign currency, so they tie in this category. Either card would be a solid choice for people who travel outside the country often.<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<h2 id=\"earns-more\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Which card earns the most?\" data-outcome=\"\">Which card earns the most?<\/h2>\n<p>While both of these rewards cards offer a flat 1.5X points per dollar spent on regular purchases, the Bank of America Premium Rewards credit card also offers 2X points per dollar on travel and dining. As a result, anyone who spends money on dining and travel (that\u2019s not purchased through the Bank of America Travel Center) will earn more points with this card overall. However, remember that Bank of America Travel Rewards cardholders earn 3X points on Bank of America Travel Center purchases.<\/p>\n<p>That said, you may be wondering how much more in rewards you could earn with the Bank of America Premium Rewards card and whether the extra rewards are worth the <span data-capi-fee=\"ongoing_annual\" data-pid=\"220612356\">$95<\/span> annual fee. The spending example below can help you decide.<\/p>\n<h3>Spending example<\/h3>\n<p>Let\u2019s say you have a family of four and that your family spends about $1,350 per month (or $16,200 per year) on groceries. In addition to grocery spending, let\u2019s say your family also spends $300 per month ($3,600 per year) on dining out and $5,000 per year on airfare and hotels across two separate family vacations. Let\u2019s also imagine you spend $1,000 per month ($12,000 per year) on miscellaneous purchases.<\/p>\n<p>With the Bank of America Premium Rewards credit card, you would earn 59,500 points (worth $595 in rewards):<\/p>\n<ul class=\"wp-block-list\">\n<li>24,300 points on groceries<\/li>\n<li>7,200 points on dining out<\/li>\n<li>10,000 points on travel (not through the Bank of America Travel Center)<\/li>\n<li>18,000 points on miscellaneous purchases<\/li>\n<\/ul>\n<p>With the Bank of America Travel Rewards credit card, on the other hand, you would earn 55,200 points (worth $552 in rewards):<\/p>\n<ul class=\"wp-block-list\">\n<li>24,300 points on groceries<\/li>\n<li>5,400 points on dining out<\/li>\n<li>7,500 points on travel (not through the Bank of America Travel Center)<\/li>\n<li>18,000 points on miscellaneous purchases<\/li>\n<\/ul>\n<p>However, if you purchase all your travel through the Bank of America Travel Center, you\u2019ll earn 3X points on those purchases instead of 1.5X. That means you\u2019ll instead earn 15,000 points on $5,000 in travel purchases for a total of 62,700 points (worth $627 in rewards) \u2014 which is more than the Bank of America Premium Rewards credit card.<\/p>\n<p>The calculations above may be different if you qualify for bonus rewards through the Bank of America Preferred Rewards\u00ae program.<\/p>\n<p>Keep in mind, though, that the Bank of America Premium Rewards credit card offers a higher welcome bonus of 60,000 points (earned after spending $4,000 within 90 days), which is worth $600. That will add considerably more to your first-year rewards haul than the Bank of America Travel Rewards, which offers 25,000 points (worth $250) after spending $1,000 within 90 days,<\/p>\n<h2 id=\"premium\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why should you get the Bank of America Premium Rewards credit card?\" data-outcome=\"\">Why should you get the Bank of America Premium Rewards credit card?<\/h2>\n<p>The Bank of America Premium Rewards credit card can be a <u>better choice<\/u> if you don\u2019t mind paying an annual fee. You\u2019ll earn a more generous welcome bonus within the first few months and more points on all dining and travel purchases (not purchased through the Bank of America Travel Center).<\/p>\n<p>Plus, this premium card also comes with <u>more cardholder perks<\/u> overall.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-additional-benefits', 'heading-additional-benefits']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-additional-benefits')\" :aria-controls=\"$id('panel-additional-benefits')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Additional benefits<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-additional-benefits')\" :aria-labelledby=\"$id('heading-additional-benefits')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The main card benefits include an annual statement credit of up to $100 toward incidental airline expenses to cover eligible costs like seat upgrades, baggage fees and in-flight services. Additionally, you\u2019ll receive a statement credit of up to $100 toward Global Entry or TSA PreCheck application fees every four years. This card also provides various perks through the Visa Signature Luxury Hotel Collection \u2014 including automatic room upgrades when available, complimentary breakfast and Wi-Fi, late checkout, VIP guest status and a $25 food or beverage credit during your stay when you book an eligible hotel with your card.You\u2019ll also get trip delay reimbursement, trip cancellation and interruption insurance, baggage delay coverage, lost luggage reimbursement, emergency evacuation and transportation coverage, roadside dispatch, concierge service, extended warranty coverage, purchase protection against damage or theft and an auto rental collision damage waiver.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-redemption-options', 'heading-redemption-options']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-redemption-options')\" :aria-controls=\"$id('panel-redemption-options')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Redemption options<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-redemption-options')\" :aria-labelledby=\"$id('heading-redemption-options')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>\u2022 When it comes time to redeem rewards, redemption options include:<\/p>\n<p>\u2022 Travel bookings through the Bank of America Travel Center<\/p>\n<p>\u2022 Cash back in the form of a statement credit or a direct deposit to an eligible Bank of America or Merrill account (1 cent per point, 2,500 points minimum)<\/p>\n<p>\u2022 Gift cards<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-recommended-credit-score', 'heading-recommended-credit-score']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-recommended-credit-score')\" :aria-controls=\"$id('panel-recommended-credit-score')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Recommended credit score<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-recommended-credit-score')\" :aria-labelledby=\"$id('heading-recommended-credit-score')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The recommended credit score range for the Bank of America Premium Rewards is good to excellent (FICO score of 670-850).\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"travel\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why should you get the Bank of America Travel Rewards credit card?\" data-outcome=\"\">Why should you get the Bank of America Travel Rewards credit card?<\/h2>\n<p>If you\u2019re averse to paying an annual fee, the Bank of America Travel Rewards card is easy to love. However, there are <u>other reasons to consider this travel card<\/u>, including its introductory APR offers and flexible travel redemption options.<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-additional-benefits', 'heading-additional-benefits']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-additional-benefits')\" :aria-controls=\"$id('panel-additional-benefits')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Additional benefits<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-additional-benefits')\" :aria-labelledby=\"$id('heading-additional-benefits')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The main card perks include its welcome offer, intro APR offer, flexible redemption options and the chance for additional rewards through the Bank of America Preferred Rewards program (terms apply). You can also access your FICO score for free each month, and you can elect to receive account alerts to your mobile phone when your balances are due and paid.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-redemption-options', 'heading-redemption-options']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-redemption-options')\" :aria-controls=\"$id('panel-redemption-options')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Redemption options<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-redemption-options')\" :aria-labelledby=\"$id('heading-redemption-options')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>This card allows you to redeem flexible rewards points for:<\/p>\n<p>\u2022 Cash back in the form of a check or direct deposit to an eligible Bank of America or Merrill account (0.6 cent per point, 2,500 points minimum)<\/p>\n<p>\u2022 A statement credit to cover eligible travel and dining purchases purchases from the last 12 months (1 cent per point, 2,500 points minimum)<\/p>\n<p>\u2022 Gift cards (value varies, 3,125 points minimum)<\/p>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-recommended-credit-score', 'heading-recommended-credit-score']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-recommended-credit-score')\" :aria-controls=\"$id('panel-recommended-credit-score')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Recommended credit score<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-recommended-credit-score')\" :aria-labelledby=\"$id('heading-recommended-credit-score')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The recommended credit score range for the Bank of America Travel Rewards credit card is good to excellent (FICO score of 670 to 850).\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The bottom line\" data-outcome=\"\">The bottom line<\/h2>\n<p>While the Bank of America Premium Rewards card is a better fit for people who want a more generous welcome offer, a higher earning rate and more travel-related benefits and credits, the Bank of America Travel Rewards card lets users rack up flexible rewards with no annual fee, with a 0% introductory APR offer to boot. By taking the time to compare these two <u>top rewards cards<\/u> side by side, you can decide which <u>Bank of America travel card<\/u> is a better fit for your needs.<\/p>\n<p class=\"text-sm text-slate\"><i>The information about the Bank of America\u00ae Premium Rewards\u00ae credit card was last updated on Jun 5, 2025, and <i>the information about<\/i> the Bank of America\u00ae Travel Rewards credit card was last updated on May 29, 2025.<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 max-w-108 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"CtAY2Hjeyu\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded 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0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/credit-cards\/reviews\/boa-premium-rewards-vs-boa-travel-rewards-card\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Both the Bank of America\u00ae Premium Rewards\u00ae credit card and the Bank of America\u00ae Travel Rewards credit card offer flexible rewards points with multiple redemption options, a base rate of 1.5X points on regular purchases, no foreign transaction fees and a higher rewards potential if you\u2019re a member of the Bank of America<\/p>\n","protected":false},"author":1,"featured_media":21923,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-21922","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bank Of America Premium Rewards Vs. 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