The Bank of America Premium Rewards edges out the BankAmericard for most cardholders — it wins on 3 of 4 comparison categories and offers 60,000 pts signup bonus earns more (up to 2x vs 1x). The BankAmericard is the better choice if you want no or lower annual fee.
Bank of America Premium Rewards vs BankAmericard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
Common Questions: Bank of America Premium Rewards vs BankAmericard
Is the Bank of America Premium Rewards or BankAmericard better for dining?
Bank of America Premium Rewards earns 2x on dining; BankAmericard has no dining bonus.
Which has the higher signup bonus in 2026?
Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). BankAmericard offers no current bonus. Bank of America Premium Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Premium Rewards and the BankAmericard?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Bank of America, so check their specific application rules.