Apply for Bank of America Premium Rewards Elite Credit Card Easily

The Bank of America Premium Rewards Elite Credit Card offers enticing benefits, including generous rewards on travel and dining, $300 annual travel credits, and no foreign transaction fees. Enjoy exclusive events and start with a substantial welcome bonus. Ideal for those who love to travel and save.

Por: Linda Carter em 2 de October de 2025

Explore Exclusive Benefits with the Bank of America Premium Rewards Elite Credit Card

For individuals seeking more than just a standard credit card, the Bank of America Premium Rewards Elite Credit Card offers a realm of exclusive advantages tailored to the discerning cardholder. With this card, you can earn up to 2 points for every dollar spent on travel and dining, allowing you to accumulate rewards as you indulge in gourmet experiences or plan your next adventure. Moreover, all other purchases accrue 1.5 points per dollar, making even everyday spending a rewarding activity.

Maximize Your Travel Experience

One significant feature that sets this card apart is its generous travel credit. Cardholders receive up to $300 annually for travel-related expenses, which can include anything from flights and hotels to baggage fees and rental car charges. This credit serves as a substantial perk for those who frequently travel for business or leisure.

Additionally, the card eliminates the burden of foreign transaction fees. This means you can use your card abroad without worrying about extra charges accumulating on your statement, making international travel more cost-effective and straightforward.

Simplifying Financial Management

To further enhance its appeal, the Premium Rewards Elite Credit Card comes equipped with a variety of insurance options, offering peace of mind wherever you go. For instance, if you find yourself in a situation requiring emergency evacuation during your travels, the robust insurance coverage provided by the card ensures protection and support. This feature is particularly useful for those who embark on adventurous journeys where unforeseen circumstances may arise.

Your Gateway to a World of Rewards

Whether you’re an avid traveler collecting experiences around the globe or a culinary enthusiast exploring new dining adventures, this credit card brings a wealth of rewards to your fingertips. By leveraging its benefits, cardholders can transform spending into valuable points, which can then be redeemed for a variety of options tailored to fit your lifestyle choices. With the Bank of America Premium Rewards Elite Credit Card, unlocking exclusive advantages has never been more accessible.

Benefits of the Bank of America Premium Rewards Elite Credit Card

Generous Rewards Program

One of the standout features of the Bank of America Premium Rewards Elite Credit Card is its generous rewards program. Cardholders earn 2 points for every dollar spent on travel and dining and 1.5 points for every dollar spent on all other purchases. For those who frequently dine out or travel, this can lead to substantial rewards accumulation. To maximize this benefit, consider using this card for all travel and dining expenses to quickly earn points that can be redeemed for cash back, travel, and more.

Travel Benefits

Your journeys become more rewarding with the travel perks offered by this credit card. Cardholders enjoy up to $300 in annual travel credits, access to Priority Pass lounges, and a Global Entry or TSA PreCheck fee credit—worth up to $100—every four years. To make the most of these benefits, plan your travel through channels that fall under the travel credit categories and ensure you enroll in either TSA PreCheck or Global Entry to breeze through airport security.

Bonus Point Opportunities

New cardholders can kickstart their points collection with a valuable welcome bonus. After spending a specified amount in the first three months, you’ll earn a substantial number of bonus points. To take advantage of this, analyze your expenses upfront and use the card for significant purchases within the promotional period to meet the spending threshold easily and earn those extra points.

Exclusive Access and Offers

The card provides cardholders with access to exclusive Bank of America-client-only events, special dining experiences, and luxury merchandise offers. This is an opportunity to enjoy unique experiences and savings. Be sure to keep an eye on communications from Bank of America to stay informed about upcoming exclusive offers you can capitalize on.

No Foreign Transaction Fees

Travelers will particularly appreciate the absence of foreign transaction fees. This feature can lead to significant savings when making purchases outside the United States. Use your Bank of America Premium Rewards Elite Credit Card during international travels to avoid the typical foreign transaction fees many other cards charge, keeping more money in your pocket.

The Bank of America Premium Rewards Elite Credit Card is designed for those who seek to maximize their rewards while enjoying exclusive benefits. This card is particularly attractive to frequent travelers and dining enthusiasts. Below, we explore key advantages that make this credit card a favorable option.

Advantages	Benefits
Generous Rewards Rate	Earn 3 points for every dollar spent on travel and dining, enhancing rewards accumulation.
Annual Travel Credit	Receive up to $100 in statement credits for airline incidentals, providing extra value during travel.

Additionally, the Bank of America Premium Rewards Elite Credit Card offers up to 50,000 online bonus points after making at least $3,000 in purchases in the first 90 days of account opening. This bonus can be redeemed for a range of travel options, making it significantly beneficial for new members. Furthermore, cardholders can enjoy no foreign transaction fees, which is a crucial advantage for international travelers. This feature allows you to use your card abroad without incurring additional costs, making your travel experience more enjoyable and budget-friendly.Overall, the Bank of America Premium Rewards Elite Credit Card stands out with its lucrative rewards structure and travel-centric benefits, making it an excellent choice for those keen to earn rewards while managing their spending efficiently.

Requirements for the Bank of America Premium Rewards Elite Credit Card

Minimum Income: Applicants typically should have a steady income stream, often with a higher annual income level, to qualify for this high-end credit card. While specific income requirements aren’t publicly disclosed, a competitive income in line with premium card offerings is recommended.
Credit Score: A strong credit score is crucial. Potential cardholders are usually expected to have a good to excellent credit score, often starting around 720, to demonstrate creditworthiness and financial reliability.
Proof of Identity: Applicants must provide valid identification, such as a driver’s license, passport, or state ID, to verify their identity as part of the application process.
Bank of America Relationship: Having an existing relationship with Bank of America, such as a prior account or credit history, may bolster the odds of successful acceptance and could offer additional benefits.
U.S. Residency: Applicants need to reside in the United States and provide proof of U.S. residency, which ensures compliance with financial regulations related to card issuance.

How to Apply for the Bank of America Premium Rewards Elite Credit Card

Step 1: Visit the Bank of America Website

To start your application for the Bank of America Premium Rewards Elite Credit Card, begin by visiting the official Bank of America website. Navigate to the credit cards section, and locate the Premium Rewards Elite Credit Card page. This ensures you have the most up-to-date information and application details directly from the bank.

Step 2: Review Eligibility Requirements

Before applying, it’s essential to ensure you meet the eligibility requirements. Typically, you should have a good to excellent credit score. Additionally, verify any specific income requirements or banking history expectations. Understanding these criteria helps you prepare the necessary information and increase your chance of approval.

Step 3: Gather Necessary Information

Prepare all relevant personal and financial information before starting the application. This typically includes your social security number, address, employment details, and income information. Having these details at hand makes the process smooth and efficient.

Step 4: Complete the Online Application

On the Bank of America’s website, fill out the online application form for the Premium Rewards Elite Credit Card. Carefully input all required details, double-check for accuracy, and ensure that your information matches the eligibility criteria you reviewed earlier.

Step 5: Submit Your Application and Await Approval

Once you’ve thoroughly filled out your application, submit it for review. The bank will assess your creditworthiness and eligibility. Approval times can vary, so keep an eye on your email for updates or contact the bank directly if you have questions about your application status.

Frequently Asked Questions about the Bank of America Premium Rewards Elite Credit Card

What is the Bank of America Premium Rewards Elite Credit Card?

The Bank of America Premium Rewards Elite Credit Card is a premium credit card designed for individuals who want to earn substantial rewards for their spending. With this card, you can earn points on every purchase, which can then be redeemed for travel, cash back, or other perks. Special features often include travel credits and access to lounges, making it an ideal choice for frequent travelers.

What are the main benefits of this credit card?

This card offers a range of benefits including earning unlimited 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases. Cardholders typically receive an annual $300 travel credit to cover incidental travel purchases like baggage fees and are granted access to Priority Pass lounges when traveling. Furthermore, the card may offer premium customer service and travel protections like trip cancellation/interruption insurance.

Is there an annual fee for the Bank of America Premium Rewards Elite Credit Card?

Yes, there is an annual fee for this credit card. While the fee may seem high, the value of the benefits and rewards can easily offset this cost if you utilize the card’s features extensively, such as travel credits and rewards earnings.

How can I maximize my rewards with this card?

To maximize your rewards, focus your spending on travel and dining categories to earn the higher rate of 2 points per dollar spent. Additionally, use the provided travel credits each year to reduce out-of-pocket costs for travel expenses. Keep an eye on special promotions and offers that might provide bonus points or additional rewards opportunities.

What credit score is required to qualify for this card?

This card typically requires a good to excellent credit score for approval, generally a score above 720. If you’re unsure about your qualification, consider checking your credit score prior to applying and work on improving it if necessary by paying off existing debts and ensuring payments are made on time.