The Bank of America Premium Rewards edges out the Virgin Red Rewards Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 60,000 pts signup bonus. The Virgin Red Rewards Mastercard is the better choice if you prioritize a different rewards ecosystem.
Bank of America Premium Rewards vs Virgin Red Rewards Mastercard
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
- Virgin Atlantic, Virgin Hotels and Virgin Voyages 3x
- grocery stores, on dining out, on selected streaming services, and even charging your EV 2x
- All Other Purchases 1x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- Free night at Virgin Hotels
- Virgin Atlantic One Flying Club reward voucher, providing either: Companion seat Cabin upgrade Virgin Hotels One free Hotel night stay One priority room upgrade Virgin Voyages Up to $300 Bar Tab credit Blue Extras perks packageAfter $15,000 spend
- Virgin Atlantic One Flying Club reward voucher, providing either: Companion seat Cabin upgrade Virgin Hotels One free Hotel night stay One priority room upgrade Virgin Voyages Up to $300 Bar Tab credit Blue Extras perks packageAfter $30,000 spend
Common Questions: Bank of America Premium Rewards vs Virgin Red Rewards Mastercard
Is the Bank of America Premium Rewards or Virgin Red Rewards Mastercard better for dining?
Bank of America Premium Rewards earns 2x on dining; Virgin Red Rewards Mastercard earns 2x on dining. Bank of America Premium Rewards wins for dining.
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). Virgin Red Rewards Mastercard offers 60,000 pts signup bonus (spend $4,000 in 3 months). 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 Virgin Red Rewards Mastercard?
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 Virgin Red Rewards Mastercard is from Synchrony Bank, so they're governed by separate bank policies.