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The Bank of America® Premium Rewards® Credit Card is an excellent choice for those looking to maximize rewards on travel and dining, while enjoying exclusive benefits. In this detailed guide, we will cover everything you need to know to apply for this card, including requirements, the application process, and information about the issuing bank.
Premium Rewards
STEP-BY-STEP TUTORIAL ON HOW TO APPLY FOR THE BANK OF AMERICA® PREMIUM REWARDS® CREDIT CARD
1 – Access the Bank of America homepage
Go to the official website:
https://www.bankofamerica.com/
2 – Select “Credit Cards” and then “Cash Back Credit Cards”
At the top of the homepage, find the main menu.
Click on the third option “Credit Cards”, and then choose the first option “Cash Back Credit Cards.”
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3 – Choose the Bank of America® Premium Rewards® Credit Card
On this page, you will find several cashback card options such as:
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- Bank of America® Unlimited Cash Rewards
- Bank of America® Customized Cash Rewards
- Bank of America® Customized Cash Rewards for Students
Locate the Bank of America® Premium Rewards® Credit Card and click the blue “Apply now” button.
4 – You will be redirected to the appointment scheduling page
After clicking “Apply now”, you will be taken to a scheduling page.
Click the blue “Schedule appointment” button to proceed.
5 – Select the “Everyday Banking” option
On the scheduling page, click on the first option “Everyday Banking.”
This section covers services like opening accounts, credit cards, and financial assistance.
6 – Fill out the form with your personal information
Complete the appointment form by entering your personal details, address, phone number, and email.
Once you finish, submit the form.
After submitting, the bank will contact you to complete your Bank of America® Premium Rewards® Credit Card application.
Main Benefits of the Bank of America® Premium Rewards® Credit Card
- Earn points on every purchase
- 2 points per dollar spent on travel and dining purchases.
- 1.5 points per dollar on all other purchases.
- Welcome bonus
- Earn 60,000 online bonus points (worth $600 in travel or statement credits) after making $4,000 in purchases within the first 90 days.
- Premium travel benefits
- Receive up to $100 in annual airline incidental statement credits for qualifying travel purchases.
- Get up to $100 credit for Global Entry or TSA PreCheck® every four years.
- No foreign transaction fees
- Use your card abroad without paying additional fees.
- Comprehensive protection and insurance
- Travel and emergency assistance, purchase protection, extended warranty, and auto rental insurance coverage.
Final Considerations
By following this step-by-step guide, you can easily apply for the Bank of America® Premium Rewards® Credit Card and enjoy its exclusive features such as travel rewards, cashback opportunities, and premium benefits.
Apply directly on the official Bank of America website:
https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/
Everything You Need to Know to Apply for the Card
1. Accessing the Website and App
To start your application, visit the official Bank of America website: https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/. On this page, you will find detailed information about the card and a button to begin the application process.
Alternatively, you can start the application via the Bank of America mobile app, available for iOS and Android devices. After logging in, navigate to the credit cards section and select the Premium Rewards® Credit Card.
2. Basic Requirements
To be eligible for the Premium Rewards® Credit Card, applicants should meet the following criteria:
- Credit Score: While Bank of America does not disclose a specific minimum, a good to excellent credit score is recommended to improve approval chances.
- Stable Income: The bank will evaluate your repayment ability based on your monthly income.
- Credit History: A positive credit history with no major delinquencies is important.
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): Required to verify identity and financial history.
- U.S. Residency: Applicants must be residents of the United States.
3. Application Process
Applying for the Premium Rewards® Credit Card is straightforward and can be done online or via the mobile app. Follow these steps:
- Start the Application: Click the “Apply Now” button on the website or select the card in the mobile app.
- Complete the Form: Provide personal information such as full name, address, SSN/ITIN, annual income, and other financial details.
- Review and Submit: Verify all information is accurate and submit your application.
- Wait for Approval: After submission, Bank of America will review your application. If approved, you will receive the card within 10 business days.
4. Card Benefits
The Premium Rewards® Credit Card offers a range of benefits, including:
- Rewards: Earn 2 points per dollar on travel and dining, and 1.5 points per dollar on all other purchases.
- Welcome Bonus: Receive 60,000 points after spending $4,000 in the first 90 days.
- Travel Credits: Up to $100 credit for TSA PreCheck or Global Entry.
- No Foreign Transaction Fees: Ideal for international travelers.
- Preferred Rewards Access: Earn additional rewards bonuses based on qualifying account balances.
5. Fees and Charges
- Annual Fee: $95
- Interest Rate (APR): Variable, depending on credit profile
- Foreign Transaction Fees: None
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $27
Overview of Bank of America
Bank of America is one of the largest financial institutions in the United States, offering a wide range of banking services, including checking and savings accounts, loans, investments, and credit cards. Founded in 1904, the bank has a solid reputation and an extensive network of branches and ATMs across the country.,
Bank of america
Credibility and Trust
As a member of the FDIC (Federal Deposit Insurance Corporation), Bank of America deposits are insured up to legal limits. The bank is also recognized for its security practices and technological innovation, providing customers with a modern and secure banking experience.
Community Commitment
Bank of America is committed to the economic and social development of the communities it serves. Through corporate social responsibility programs, the bank invests in education, health, housing, and other essential areas for societal well-being.
Frequently Asked Questions (FAQ)
1. What is the minimum credit score required to apply for the Premium Rewards® Credit Card?
Although Bank of America does not disclose a specific minimum, a good to excellent credit score is recommended to improve approval chances.
2. Can I apply if I am not a Bank of America customer?
Yes, you can apply even if you are not currently a customer. However, being a customer may facilitate the process and provide additional benefits.
3. What are the benefits of the Preferred Rewards program?
The program offers rewards bonuses ranging from 25% to 75%, depending on qualifying balances in your Bank of America accounts and investments.
4. How can I check the status of my application?
You can check your application status online or by calling 866.422.8089.
5. What fees are associated with the card?
The card has a $95 annual fee, no foreign transaction fees, and standard fees such as late payment or returned payment charges.
Conclusion
The Bank of America® Premium Rewards® Credit Card is an excellent option for those looking to maximize travel and dining rewards while enjoying exclusive benefits. With a simple application process and a range of advantages, this card is suitable for demanding consumers in the United States.
If you meet the eligibility requirements and want to take advantage of the benefits, start your application today through the official Bank of America website.
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