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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs cashRewards Secured

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
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
  • All Purchases 1x
Reward Type
miles
cashback
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Bank of America Premium Rewards vs cashRewards Secured

Is the Bank of America Premium Rewards or cashRewards Secured better for dining?

Bank of America Premium Rewards earns 2x on dining; cashRewards Secured 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). cashRewards Secured 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 cashRewards Secured?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and cashRewards Secured is from Navy Federal Credit Union, so they're governed by separate bank policies.