Bank of America

Bank of America Premium Rewards

Best for travelers wanting flexible bank points

Welcome bonus

60,000 points

after $4,000 spend within 3 months

Earn 60,000 online bonus points after at least $4,000 in purchases in the first 90 days.

Annual fee: $95
Spend required: $4,000
Credit score needed: Very Good (740-799)

Why this card

A practical honeymoon card for couples who want a mix of simple points and travel perks without a very high annual fee. Rewards can be redeemed flexibly, and travel statement credits can help reduce common trip costs.

Perks

Airline incidental statement credit
TSA PreCheck/Global Entry credit
No foreign transaction fees
Flexible redemption options

Everyday earn rates

2X travel and dining; 1.5X all other purchases