BofA Premium Rewards — 60,000 BofA points Sign-Up Bonus (2026 Review)
Key Benefits
- $100 annual travel credit
- 2x on travel and dining
- Global Entry/TSA PreCheck credit
- No foreign transaction fees
Overview
The BofA Premium Rewards is currently offering 60,000 BofA points after $4,000 in purchases within 3 months. It carries a $95 annual fee, offset by roughly $100 in year-one statement credits. Estimated net year-one value: $605 based on a 1¢ per-point valuation.
Who This Card Is For
Cardholders who can fully use the 60,000 BofA points bonus, the $100 in credits, and any travel benefits — and who'd find the value even after the $95 annual fee.
How to Maximize the Sign-Up Bonus
To hit the $4,000 requirement in 3 months, you need about $1,334 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the BofA Premium Rewards until you've earned the 60,000 BofA points bonus. Mind your issuer rules: check the issuer's velocity rules before applying. Use the year-one credits early — they often expire on a calendar cycle, not 12 months from account opening.
Pros
Cons
How This Compares
Within Bofa's personal lineup, the closest comparison is the BofA Unlimited Cash Rewards ($200 after $1,000/3mo, $0 AF). The BofA Premium Rewards is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current BofA Premium Rewards sign-up bonus?
As verified directly from the issuer offer page, the current bonus is 60,000 BofA points after spending $4,000 on purchases within 3 months of account opening.
What's the BofA Premium Rewards annual fee?
The annual fee is $95. It is partially offset by approximately $100 in year-one statement credits.
How long does the BofA Premium Rewards sign-up bonus take to post?
Once you cross the $4,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.