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Bank of America Premium Rewards Elite credit card
Best for high earners who will actually use the travel credits, lounge access, and boosted redemption value.
Last verified Mar 25, 2026. Confirm live issuer terms before applying.
Bottom line
Strong fit if your spend and credits line up
- Best fit
- Best fit if travel and dining is already in your budget and you can route about $1,667/mo of normal spend.
- Watch out
- $550 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
15%
Welcome bonus on required spend
Annual fee
$550
Annual card cost
Credit needed
Excellent
Issuer approval tier
Required spend
$5,000 / 3 mos
Welcome-offer threshold
Travel
2x
Dining
2x
General spending
1.5x
Credits And Perks
What actually offsets the fee
Preferred Rewards Upside
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Trusted Traveler Credit
Premium Rewards cards are positioned as travel cards and commonly include Global Entry or TSA PreCheck application-fee value.
No Foreign Transaction Fees
Eligible international purchases do not incur an added foreign transaction surcharge.
Travel Rewards Ecosystem
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
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