Cards
Cash BackBofA
BofA Premium Rewards
Key facts
Annual fee$95/yr
Rewards currencyBofA Online Bonus Points
Recommended creditGood – Excellent (720+)
Global Entry / TSA PreCheckCredit included
Near all-time high offer
Current sign-up bonus
60,000 online bonus points after making at least $4000 in purchases in the first 90 days≈ $600 value
Reward rates
2% on dining
2% on Travel
1.5% on everything else
Travel benefits
Trip Cancellation / Interruption (Unconfirmed)
Genuinely conflicting sources: two sources say $5,000 per person per trip; two others (The Points Guy, Squaremouth) say $2,500 per trip -- and that $2,500/person figure matches what a third source attributes to the separate Premium Rewards ELITE card, suggesting the standard/Elite figures may be transposed somewhere upstream. Treat $5,000/person as unconfirmed and likely too high; $2,500/trip is the more probable real figure, but neither is verified against BofA's actual Guide to Benefits PDF (behind a cardholder login).
Trip Delay
$500 per ticket, after 12 consecutive hours of delay, covers meals/lodging. Matched across multiple sources, which explicitly contrast this 12-hour trigger against the Elite card's 6-hour trigger.
Baggage Delay
$100/day for up to 5 days ($500 total max), after a 6-hour delay. Matched exactly across 5 independent sources.
Travel Accident Insurance
None -- not covered on the standard card (this benefit exists on the Premium Rewards ELITE card at $1,000,000, but not on this standard $95 card). Confirmed by explicit statement plus consistent silence across 5 independent benefit breakdowns.
Emergency Evacuation
Up to $15,000, plus a $1,000 repatriation benefit. Confirmed distinct from the separate Premium Rewards ELITE card's $50,000/$10,000 figures (not a copy-paste mix-up).
Purchase protections
Return Protection (Unconfirmed)
$250 per item, $1,000 per year. Per WalletHub, Premium Rewards is the only Bank of America card currently offering return protection. Corrected from an earlier 'None' -- one outlier source incorrectly said absent.
Purchase Protection (Unconfirmed)
Up to $10,000 per claim -- repair, replace, or reimburse for theft or damage within 90 days of purchase. Corrected from an earlier 'None' -- three independent sources (The Points Guy, Million Mile Secrets, WalletHub) confirm this exists on the standard card; one outlier source incorrectly said absent.
Extended Warranty (Unconfirmed)
Doubles the manufacturer's warranty by up to 1 additional year, on warranties of 3 years or less. Corrected from an earlier 'None' -- three independent sources confirm this exists; one outlier source incorrectly said absent.
Other benefits
Annual Credits
Global Entry / TSA PreCheck: up to $100, resets Multi-year.
Earn Rates
2 points per $1 on travel and dining; 1.5 points per $1 on all other purchases. Preferred Rewards members earn a 10-75% bonus on top depending on tier.
Welcome Bonus
60,000 online bonus points after spending at least $4,000 in purchases in the first 90 days of account opening (roughly a $600 value at redemption). This is the current offer as of 2026, replacing a long-standing 50,000-point offer -- verify at publish time.
Transfer Partners (Unconfirmed)
None -- points redeemable for travel, cash, statement credit, gift cards, or Preferred Rewards boosts, but no airline/hotel transfer partner program.
Lost / Stolen Baggage
Up to $3,000 per trip -- covers checked and carry-on baggage lost, damaged, or stolen by the carrier.
Secondary Rental Car
Secondary coverage for damage/theft when the rental agency's CDW is declined and the full rental cost is charged to the card. Domestic limit 15 days, international limit 31 days, secondary in all territories (contrasts with the Elite card's primary coverage).
Primary Rental Car (Unconfirmed)
None -- see Secondary Rental Car.
Foreign Transaction Fee (Unconfirmed)
$0 -- none.
Authorized User Fee (Unconfirmed)
$0 -- free to add.
Best for
Dining
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