Ranked #99/225
Ranked #170/225

Snapshot

Bank of America Premium Rewards
Bank of America Premium Rewards
 Royal Caribbean Visa Signature
Royal Caribbean Visa Signature
IssuerBank of AmericaBank of America
NetworkVisaVisa
Card MaterialPlasticPlastic
Annual Fee$95.00$0.00
Base Rate1.50%1.00%
Travel Rewards2.00x2.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee0%3%
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)
Royal Caribbean1.5% (base)2.0%
Celebrity Cruises1.5% (base)2.0%
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR21.24% - 28.24%18.24% - 28.24%
Cash Advance APR29.99%29.99%
Penalty APR29.99%29.99%
Late Fee$40$40
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalYes-
Baggage DelayYes-
Baggage Loss--
Cell Phone Protection--
Extended WarrantyYes-
Purchase Protection90 days-
Return Protection90 days-
Trip Cancellation InterruptionYes-
Trip DelayYes-
Tsa Precheck Global EntryUp to $100-

Usability & Experience

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

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard

Cards in the Same Tier

Santander Ultimate Cash BackSantander Ultimate Cash Back#134 · $900/yrSchoolsFirst Inspire MastercardSchoolsFirst Inspire Mastercard#135 · $900/yrRegions Cash Rewards VisaRegions Cash Rewards Visa#133 · $900/yrPetal 2 "Cash Back, No Fees" Visa Credit CardPetal 2 "Cash Back, No Fees" Visa Credit Card#136 · $900/yr