Premium Rewards^® Elite: Premium Travel Rewards with High-Value Credits

Welcome Offer

• Earn 75,000 bonus points after spending $5,000 within the first 90 days.

Rewards

• 2x Points:
  • Travel
  • Dining
• 1.5x Points on all other purchases.

Redemption Options

• Flexible Redemption: Redeem rewards for travel, cashback, a statement credit, distinctive experiences, or gift cards.
• More Value with Travel Redemption: Save 20% on airfare when you pay with points through the Bank of America Travel Center or the Concierge.

Fees and APR

• Annual Fee: $550.
• Regular APR: 19.49% - 27.49% Variable APR.
• Balance Transfer Fees: 5% of each transfer amount.
• Foreign Transaction Fee: None.

Annual Credits & Statement Credits

• Up to $300 for Airline-Related Expenses: Enjoy a $300 annual travel statement credit for qualifying travel purchases such as seat upgrades, baggage fees, in-flight services, and lounge fees.
• Up to $150 for Lifestyle Conveniences: Enjoy a $150 annual statement credit for lifestyle conveniences, including streaming services, food delivery, fitness subscriptions, and rideshare services.
• Up to $120 Global Entry or TSA PreCheck^® Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry^® or TSA PreCheck^® application fee.

Bank Relationship Benefits

• BofA Rewards™ Eligibility: An eligible Bank of America^® personal checking account is required to enroll in BofA Rewards™.
• Boosted Rewards for BofA Rewards™ Members: If you’re enrolled in BofA Rewards™, you can earn 10% to 75% more points.
  • Member: 10% rewards bonus
    • 2.2X Points on travel and dining
    • 1.65X Points on all other purchases.
  • Preferred Plus: 25% rewards bonus
    • 2.5X Points on travel and dining
    • 1.87X Points on all other purchases.
  • Preferred Honors: 50% rewards bonus
    • 3X Points on travel and dining
    • 2.25X Points on all other purchases.
  • Premier: 75% rewards bonus
    • 3.5X Points on travel and dining
    • 2.62X Points on all other purchases.

» MORE: BofA Rewards™ program

Lounge Access

• Priority Pass™ Select Membership: Complimentary membership with 4 lounge visits per membership year at 1,500+ airport lounges worldwide. Each member and guest visit counts toward the 4-visit limit; additional visits incur a per-visit fee. Enrollment required; access subject to lounge capacity.

Travel Benefits

• Visa Infinite Luxury Hotel Collection: Access to participating hotels offering benefits such as room upgrades when available, daily breakfast for two, and select on-property credits when booking through the Visa Luxury Hotel Collection portal (terms apply).
• Visa Infinite Car Rental Privileges: Save on rentals with Avis^®, Hertz^®, and National^® when you pay with your Visa Infinite card, plus enjoy perks like upgrades (when available) and VIP amenities.

Travel Protections

• Trip Delay Reimbursement: If your trip is delayed by more than 6 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Trip Cancellation & Interruption Insurance: Get reimbursed for non-refundable travel costs if you need to cancel or cut your trip short due to a covered reason. Applies to airfare, ferry, train, bus, and cruise tickets when purchased with your card.
• Baggage Delay Insurance: Receive reimbursement for essentials when your baggage is delayed.
• Lost Luggage Reimbursement: Get reimbursed if your baggage or its contents are lost or stolen by a common carrier (airline, bus, train, or cruise).
• Emergency Evacuation & Repatriation: Get up to $100,000 in coverage for emergency evacuation if you or an immediate family member become sick or injured while traveling away from home.
• Travel Accident Insurance: Receive up to $1,000,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $75,000.

Travel & Emergency Assistance

• Roadside Assistance: Dispatch service available; service fees apply.

Lifestyle Perks

• Concierge Service: Get 24/7 concierge assistance for dining, entertainment, and travel requests.

Convenience Features

• Digital wallet compatible: Apple Pay^®, Google Pay™, Samsung Pay.

Buy Now, Pay Later Options

• Custom Pay Plan: Break up eligible credit card purchases into equal monthly payments. No interest, just a fixed monthly fee.

Terms and Conditions

• Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

• U.S. Bank Cash+^® Visa Signature: Earn 5% cashback in two categories of your choice, making it a strong option for utilities, internet service, and other recurring household bills.
• Discover it^®: Earn 5% cashback on rotating quarterly categories (activation required), adding additional high-reward opportunities beyond travel and dining.
• Altitude^® Connect: Adds elevated rewards on travel, gas, and EV charging purchases, helping optimize transportation spending beyond Premium Rewards^® Elite’s everyday rewards structure.

» MORE: See Big4credit’s best credit cards