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
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Head-to-head
Bank of America® Premium Rewards® Credit Card vs Upgrade Life Rewards Visa®
Compare Bank of America® Premium Rewards® Credit Card and Upgrade Life Rewards Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Life Rewards Visa®
Cash back
Upgrade Life Rewards Visa®
Upgrade - Visa - Credit card
4.4
4.4 out of 5
8.8/10
Apply now
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 | Upgrade Life Rewards Visa® |
|---|---|---|
| Card fee | $95 USD/yr | No fee |
| Purchase APR (from) | 19.49% | 14.99% |
| 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. | 3% cash back on Gas, Groceries, Streaming, and Utilities (excluding Target and Walmart); 1% cash back on all other purchases. Both tiers have no cap. |
| Installments | Custom Pay Plan available for eligible purchases $100+ | Each purchase converts to a closed-end installment loan at a fixed rate and term. |
| 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 Upgrade Life Rewards Visa® 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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