Bank of America Premium Rewards
BoA Preferred Rewards clients — up to 2.625x with $100K relationship.
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5-year value calculator
How much Bank of America Premium Rewards actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
60,000 points after $4,000 spend in 90 days
What you get
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Bank of America Premium Rewards
The SaaS subscriptions where Bank of America Premium Rewards earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹1,82,453/yr.
Greenhouse
1.5% rewards on hr category — better than the 1% default.
Drift
1.5% rewards on crm category — better than the 1% default.
Vanta
1.5% rewards on engineering category — better than the 1% default.
Drata
1.5% rewards on engineering category — better than the 1% default.
WorkOS
1.5% rewards on auth category — better than the 1% default.
dbt
1.5% rewards on database category — better than the 1% default.
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