$95 Annual Fee

Is the Premium Rewards card worth it for you?

Premium Rewards earns 2 points per dollar on travel and dining, and 1.5 points per dollar on everything else — plus no foreign transaction fees. This calculator covers the earn-rate math only; it doesn't include the card's $100 airline incidental credit or Global Entry/TSA PreCheck credit, which can add real value on top of what's shown here.

Bonus / Offer

Did you get a bonus for opening this card?

Bank of America Preferred Rewards

Preferred Rewards members earn 25%–75% more points on every purchase, based on combined BofA banking + Merrill balances. Select your tier if you're enrolled.

Annual Spending

Enter your estimated annual spend in each category.

Travel2xFlights, hotels, rental cars, and more booked directly or through Bank of America Travel Center

$—

Dining2xRestaurants, takeout, and delivery

$—

Everything Else1.5x

$—

Net value after the $95 fee

$-95.00SKIP IT

Rewards earned$95 fee

Points earned / year0 pts

Points value (1¢/pt)$0.00

Annual fee-$95.00

Net value$-95.00

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