Card Comparison
Bank of America Premium Rewards vs BankAmericard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
None
Top Earn Rates
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
1x base rate
Reward Type
miles
cashback
Key Credits
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
Cash back only
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.