Ranked #99/225
Ranked #146/225

Snapshot

Bank of America Premium Rewards
Bank of America Premium Rewards
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 APR21.24% - 28.24%17.15% - 31.15%
Cash Advance APR29.99%31.15%
Penalty APR29.99%32.4%
Late Fee$40$35
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalYesSecondary
Baggage DelayYesUp to $100 per day for 3 days
Baggage Loss--
Cell Phone Protection--
Extended WarrantyYesDoubles original warranty up to 1 additional year
Purchase Protection90 days-
Return Protection90 days-
Trip Cancellation InterruptionYesUp to $1,500 per covered person
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

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