Bank of America® Premium Rewards® Credit Card
Points
Bank of America® Premium Rewards® Credit Card
Bank of America - Visa - Credit card
4.5
4.5 out of 5
9.0/10
Apply now
Head-to-head
Bank of America® Premium Rewards® Credit Card vs Bank of America Advantage SafeBalance Banking® Debit Card
Compare Bank of America® Premium Rewards® Credit Card and Bank of America Advantage SafeBalance Banking® Debit Card side by side: fees, rewards, APR, and perks.
Last verified
Bank of America Advantage SafeBalance Banking® Debit Card
No rewards
Bank of America Advantage SafeBalance Banking® Debit Card
Bank of America - Visa - Debit card
3.7
3.7 out of 5
7.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Bank of America® Premium Rewards® Credit Card | Bank of America Advantage SafeBalance Banking® Debit Card |
|---|---|---|
| Card fee | $95 USD/yr | $4.95 USD/mo |
| Purchase APR (from) | 19.49% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 3% |
| Rewards | 2 points per $1 on travel and dining; 1.5 points per $1 on all other purchases. Preferred Rewards members earn up to 3.5 points on travel/dining and 2.62 points on other purchases at the top tier. Points worth 1¢ each. | No rewards program on the debit card itself. Occasional cash-back deals available via the BofA Deals program in Online and Mobile Banking. |
| Installments | Custom Pay Plan available for eligible purchases $100+ | - |
| No card fee | - | - |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Bank of America® Premium Rewards® Credit Card if its checked rows above line up with how you spend most.
- Choose the Bank of America Advantage SafeBalance Banking® Debit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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