Bank of America
Bank of America Premium Rewards Credit Card
Annual Fee
$95
Bonus Value
$600
Min Spend
$4K/3mo
Current Welcome Offer
60,000
BofA Rewards Points — worth ~$600
Spend $4,000 in 3 months
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Historical Intelligence
Offer history & timing
Current
60,000
Average
55,000
Tracked High
60,000
Recent changes
2026-01
BankofAmerica.com
2025-09
BankofAmerica.com
Highest observed since tracking started: 60,000 (2025-09)
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 55,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on 2 tracked changes. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$267/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 55,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$267
65% benefit utilization, minimal travel redemptions
Realistic
+$267
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$267
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits
Card perks & credits
Up to $125/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$25/yr
$100 Global Entry or $85 TSA PreCheck credit every 4 years (~$25/yr amortized).
🛫airline credit
Annual Airline Incidental Credit
$100/yr
$100 annual airline incidental fee credit applied as a statement credit.
Airline incidental fees (baggage, seat upgrades, lounge day passes)
Bank of America Premium Rewards Credit Card
Current offer: 60,000 BofA — worth ~$600
View Official OfferBank of America's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Premium Rewards
60,000 BofA offer