The Visa Signature® Flagship Rewards edges out the Bank of America Premium Rewards for most cardholders — it wins on 3 of 4 comparison categories and offers 35,000 pts signup bonus earns more (up to 3x vs 2x). The Bank of America Premium Rewards is the better choice if you prioritize a different rewards ecosystem.
Bank of America Premium Rewards vs Visa Signature® Flagship Rewards
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
- Travel 3x
- All Other Purchases 2x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- Amazon Prime $139
- Global Entry/TSA PreCheck Credit $120
Quick summary
A short version of the comparison with the main differences at a glance.
The Visa Signature® Flagship Rewards edges out the Bank of America Premium Rewards for most cardholders — it wins on 3 of 4 comparison categories and offers 35,000 pts signup bonus earns more (up to 3x vs 2x). The Bank of America Premium Rewards is the better choice if you prioritize a different rewards ecosystem. On raw upside, Visa Signature® Flagship Rewards tops out at 3x versus 2x for Bank of America Premium Rewards. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $4 for Visa Signature® Flagship Rewards. Updated May 28, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-visa-signature-flagship-rewards
- Visa Signature® Flagship Rewards wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Visa Signature® Flagship Rewards reaches 3x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Visa Signature® Flagship Rewards is $49/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values are approximately $600 and $4.
Common Questions: Bank of America Premium Rewards vs Visa Signature® Flagship Rewards
Is the Bank of America Premium Rewards or Visa Signature® Flagship Rewards better for dining?
Bank of America Premium Rewards earns 2x on dining; Visa Signature® Flagship Rewards 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). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 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 Visa Signature® Flagship Rewards?
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 Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.