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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | Bank of AmericaBofA Travel RewardsBank of America | Bank of AmericaBofA Premium RewardsBank of America |
|---|---|---|
| Annual fee | $0 Verified by source | $95 Inferred by source |
| Realized value* | $0 | $200 |
| Net / year | +$0 | +$105 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | points |
| Lounges | — | — |
| Points & Miles | 1.5× Unlimited on all purchases Verified by source | 2× Travel & dining Inferred by source 1.5× Everything else Inferred by source |
| Redemption Value | 1¢ per pt Verified by source | 1¢ per pt Estimated by source |
| Hotel Perks | — | Preferred Rewards boost Inferred by source |
| Credits | — | 2 credits · $200/yr |
| Protections | — | trip cancellation — Trip cancellation/interruption protection Inferred by source baggage — Lost/delayed baggage protection Inferred by source rental cdw — Secondary auto rental coverage Inferred by source |
| Foreign Tx Fees | None Verified by source | None Inferred by source |
| Cashback | — | — |
| Data last verified | Jun 2, 2026 | Jun 4, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Bank of America® Premium Rewards® Credit Card comes out ahead: by realized value minus the annual fee, the Bank of America® Travel Rewards Credit Card nets +$0/yr and the Bank of America® Premium Rewards® Credit Card nets +$105/yr. Which is actually better depends on your spending and which perks you'll use.
The Bank of America® Travel Rewards Credit Card has the lower annual fee ($0 vs $95).
Neither includes airport lounge access.