Snapshot

Bank of America Premium Rewards Credit Card
Bank of America Premium Rewards Credit Card
USAA Cashback Rewards Plus American Express Card
USAA Cashback Rewards Plus American Express Card
IssuerBank of AmericaUSAA
NetworkVisaAmerican Express
Card MaterialPlasticPlastic
Annual Fee$95.00$0.00
Base Rate1.50%1.00%
Travel Rewards2.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate1.5% (base)1.0% (base)
Travel2.0%1.0% (base)
Restaurants2.0%1.0% (base)
Gas Stations1.5% (base)5.0%
military base purchases1.5% (base)5.0%
Supermarket purchases (up to $3,000/year)1.5% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR20.24% - 27.24%17.15% - 31.15%
Cash Advance APR29.99%31.15%
Penalty APRN/A32.4%
Late Fee$40$35
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalSecondarySecondary
Baggage DelayCoveredUp to $100 per day for 3 days
Baggage LossCovered
Cell Phone Protection
Extended WarrantyCoveredDoubles original warranty up to 1 additional year
Purchase ProtectionCovered
Return ProtectionCovered
Trip Cancellation InterruptionCoveredUp to $1,500 per covered person
Trip DelayCovered
Tsa Precheck Global EntryUp to $100 statement credit every 4 years

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard