Bank of American Premium Rewards Card Point Calculator

Card Details & BOA Points Calculator
2x Travel
2x Dining
1.5x Everything Else
$100 Global Entry/TSA PreCheck Credit
$100 Airline Credit
Customer Bonus

Review the benefits of the Bank of America Premium Rewards Credit Card and calculate how many BOA Travel Rewards Points you can earn based on your spend.

The Bank of America Premium Rewards Card is a solid choice for occasional travelers that want to build a good amount of Bank of America points. It offers several perks and bonuses that more than makes up for it's small annual fee, and it provides the best point earning opportunities to anyone that invests with Bank of America themselves, Merrill Lynch, and/or Merrill Edge.

Bonus Categories

The Bank of America Premium Rewards Credit Card features two bonus categories that earn extra points. These bonus categories are travel and dining purchases. There is no limit to the amount of Bank of America Travel Reward Point you can earn spending on this card.

  • 2x Travel
    • Bank of America considers travel to be:
      • Airlines
      • Hotels
      • Motels
      • Timeshares
      • Trailer parks
      • Motor home and recreational vehicle rentals
      • Campgrounds
      • Car rental agencies
      • Truck and trailer rentals
      • Cruise lines
      • Travel agencies
      • Tour operators
      • Passenger trains
      • Buses
      • Taxis
      • Limousines
      • Ferries
      • Boat rentals
      • Parking lots and garages
      • Tolls and bridge fees
      • Tourist attractions and exhibits
      • Amusement parks
      • Carnivals
      • Aquariums
      • Zoos
  • 2x Dining
    • Bars and taverns are included.
  • 1.5x Non-Category

Perks & Benefits

The Bank of America Premium Rewards Card features a handful of benefits including an annual airline credit, Global Entry/TSA PreCheck credit, and the change to earn bonus points based on your relationship with Bank of America and their partners.

  • $100 Airline Incidental Credit
    • Qualifying triggers includes:
      • Seat Upgrades
      • Ticket Change & Cancellation Fees
      • Checked Bag Fees
      • In-Flight Entertainment & Food
      • Airport Lounge Fees
  • Global Entry/TSA PreCheck Credit
  • Bank of America Account Bonus
    • 10% point bonus if you have an active Bank of America checking, savings, or individual retirement account.
    • Does not stack with Preferred Rewards Client Bonus.
    • Applies to co-applicants.
    • Does not apply to Bank of America business checking and savings accounts.
  • Preferred Rewards Client Bonus
    • Earn bonus points based on amount invested with BOA, Merrill Edge, or Merrill Lynch.
    • Based on 3-month average across accounts.
    • Qualifications:
      • Gold - 25% Bonus - $20k to <$50k
      • Platinum - 50% Bonus - $50k to <$100k
      • Platinum Honors - 75% Bonus - $100k+
    • Does not stack with Bank of America Account Bonus.

Sign Up Bonus (SUB)

The standard Bank of America Premium Rewards Card sign up bonus is 50,000 Bank of America Points after spending $3,000 in purchases in the first 90 days of account opening. This is worth $500 in travel, cash or gift cards.


Annual Fee

The Bank of America Premium Rewards Card annual fee is $95. This is in-line with most basic reward cards. The card comes with an annual $100 airline credit, so that takes care of the annual fee if you're able to use it. Adding on Global Entry/TSA perk and the bonus categories, you should be able to easily justify this annual fee.

Authorized User Fee

The authorized user fee for the Bank of America Premium Reward Card is $0. If you have friends or family that spend in travel and dining, I would recommend adding them as authorized users on the card.

Foreign Transaction Fee

The Bank of America Premium Rewards Card does not have a foreign transaction fee. This means you can earn Travel Reward Points at the same great rate worldwide without being penalized for transactions outside of the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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