This short introduction explains the purpose of this Premium Rewards card guide. It is a complete, step-by-step resource to help U.S. residents apply for Bank of America Premium Rewards with confidence. The focus is the Bank of America Premium Rewards application process, from preparing documents to submitting your online form.

The target audience includes frequent travelers, working professionals who value travel protections, and existing Bank of America customers who may qualify for relationship bonuses. Readers can expect a friendly, practical tone and a clear flow from card overview to post-approval account setup.

Factual detail in this Premium Rewards card guide draws on official Bank of America materials, cardmember agreements, and widely reported card features such as rewards rates, sign-up bonus terms, fees, and protections. This article centers on how to apply for Bank of America Premium Rewards and practical tips to avoid common application pitfalls.

This content is informational and not financial advice. Always verify current terms and offers on the Bank of America website before you complete a BofA Premium Rewards US application.

Key Takeaways

• Step-by-step focus: prepares you to complete a smooth Bank of America Premium Rewards application.
• Audience: ideal for U.S.-based travelers, professionals, and Bank of America customers seeking relationship benefits.
• Sources: based on Bank of America materials and publicly reported card terms for accuracy.
• Not financial advice: confirm current rates, bonuses, and fees on Bank of America’s site before applying.
• Practical tips included to reduce errors and speed up approval for the BofA Premium Rewards US card.

Step-by-Step Guide: How to Apply for the Bank of America® Premium Rewards® Credit Card

Applying for the Bank of America® Premium Rewards® Credit Card is a simple and secure process when you follow the correct steps. Below is a clear, detailed guide to help you complete your application successfully.

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1 – Visit the Bank of America Official Website

Start by visiting the official page: https://www.bankofamerica.com/.
Here, you can access information on all products offered by the bank — including credit cards, checking and savings accounts, loans, and investments.

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2 – Go to the “Credit Cards” Section

At the top of the homepage, open the main menu and click “Credit Cards.”
Then, select the first option labeled “Cash Back Credit Cards.”
This page displays all Bank of America cashback and rewards credit card options.

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3 – Select the Bank of America® Premium Rewards® Credit Card

You will see multiple cards, including:

• 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 to begin.

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4 – Schedule an Appointment (Optional)

After clicking “Apply Now,” you may be directed to a scheduling page.
Click “Schedule Appointment” to book a meeting with a banking specialist if you want in-person assistance.

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5 – Choose the “Everyday Banking” Option

When scheduling, select “Everyday Banking” — this covers everyday financial services, including credit card applications.

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6 – Fill Out the Application Form

Provide your personal and contact details, such as:

• Full name
• Address
• Phone number and email
• Social Security Number (SSN) or ITIN
• Employment status and annual income

After completing the form, click Submit. Bank of America will contact you if additional verification is needed. Once approved, your card will arrive in 7–10 business days.

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Main Features of the Bank of America® Premium Rewards® Credit Card

Rewards Program

• 2 points per $1 on travel and dining.
• 1.5 points per $1 on all other purchases.

Welcome Bonus

• 60,000 bonus points after spending $4,000 in the first 90 days — equal to $600 in travel or statement credits.

Premium Travel Benefits

• Up to $100 annual airline credit for eligible travel purchases.
• Up to $100 credit for Global Entry or TSA PreCheck® every 4 years.
• No foreign transaction fees, making it perfect for international travelers.

Comprehensive Protections

Includes:

• Travel and emergency assistance
• Purchase protection
• Extended warranty coverage
• Auto rental collision damage waiver

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Everything You Need to Know Before Applying

1. How to Access the Application

You can apply directly on the official Bank of America Premium Rewards® page:
https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/.

Alternatively, you can apply through the Bank of America Mobile App (available for iOS and Android). Simply log in, go to Credit Cards, and select Premium Rewards® to begin.

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2. Basic Eligibility Requirements

Before applying, make sure you meet the main requirements:

• Credit Score: Good to excellent (typically 700+).
• Stable Income: Must show the ability to make payments.
• Credit History: A clean history with no major delinquencies.
• SSN or ITIN: Required for identity verification.
• Residency: Must be a U.S. resident.

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3. Application Process

1. Start the Application: Click “Apply Now” on the website or select the card from the mobile app.
2. Complete the Form: Provide your name, address, SSN/ITIN, annual income, and employment details.
3. Review and Submit: Double-check all information for accuracy before submitting.
4. Wait for a Decision: Bank of America will review your application and typically respond within a few minutes. If approved, your card will arrive within 10 business days.

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4. Benefits Overview

• Rewards: Earn points on every purchase (2x on travel and dining, 1.5x on others).
• Welcome Offer: 60,000 bonus points ($600 value) after qualifying purchases.
• Travel Credits: Receive up to $100 for TSA PreCheck® or Global Entry.
• No Foreign Transaction Fees: Save when using your card abroad.
• Preferred Rewards: Get higher earning bonuses if you’re a Preferred Rewards member.

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5. Fees and Charges

Fee Type	Amount
Annual Fee	$95
APR	Variable (based on credit profile)
Foreign Transaction Fee	None
Late Payment Fee	Up to $40
Returned Payment Fee	Up to $27

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Final Thoughts

Applying for the Bank of America® Premium Rewards® Credit Card is quick and convenient — whether online or through the mobile app.
This card is ideal for frequent travelers who want to earn valuable points, enjoy premium travel perks, and benefit from strong purchase protections — all backed by the reliability of Bank of America.

Bank of America Premium Rewards – Complete application instructions

The Bank of America Premium Rewards card is a mid- to high-tier travel rewards card issued in the U.S. It earns points on everyday purchases and travel, includes travel protections such as trip cancellation/interruption and baggage delay coverage, and offers welcome bonuses for new cardholders. Cardholders who maintain a Bank of America relationship may see added value through Preferred Rewards boosts. Applicants should plan for an annual fee typical of premium travel cards and weigh that cost against earned rewards and protections.

Overview of the card and who it’s for

This Premium travel credit card overview highlights strengths for frequent travelers and those who value travel and purchase protections. People who should get Premium Rewards include travelers who need trip interruption coverage, families who want lost luggage protection, and Bank of America customers seeking relationship perks. The card suits cardholders who can reclaim the annual fee through rewards, travel credits, or redemption value.

Why following the correct application steps matters

Accuracy on the application limits delays and reduces the chance of denials. The application process importance comes down to entering correct personal, employment, and income details. Proper preparation lowers the odds of identity verification requests and speeds approval.

Using Bank of America’s recommended steps helps secure eligibility for sign-up bonuses that often require meeting spending thresholds within set timeframes. Pre-qualification tools can minimize hard credit pulls when used correctly, which helps protect your credit score.

Quick summary of what this guide covers

This guide summary shows what you will find ahead: detailed features and benefits, eligibility requirements and documents to prepare, step-by-step instructions for online, in-branch, and phone applications, and solutions for common application issues. You will get actionable checklists for documents to have ready and exact items to enter on the application.

Guide section	What you’ll learn
Card features and benefits	Rewards rates, travel protections, welcome bonus details
Eligibility and documents	Credit score expectations, required ID and income proof
Application methods	Step-by-step online process, in-branch checklist, phone application tips
Troubleshooting	How to fix errors, handle pending decisions, and respond to verification requests
Post-approval	Card activation, online setup, strategies to maximize rewards

Key features and benefits of the Premium Rewards card

The Premium Rewards card blends elevated earning on travel and dining with solid everyday returns. This section breaks down how points accumulate, typical welcome offers, the range of travel protections you can expect, and what to watch for with the annual fee Premium Rewards users often consider.

Rewards structure: points on purchases

Cardholders generally earn higher points on travel and dining and base points on other purchases. Points are earned per dollar spent and post to your rewards account after the transaction clears. Redemption options usually include travel bookings, cash back, statement credits, gift cards, and, in some cases, transfer partners.

Members enrolled in Bank of America Preferred Rewards may see a relationship boost. That boost can range from about 25% up to 75% when earning or redeeming for travel, which enhances the Premium Rewards points structure for loyal customers. Always check current bank disclosures for exact earning rates and posting timelines.

Sign-up bonus and how to qualify

Typical offers feature a points award after meeting a minimum spend within a set period—for example, earn a lump-sum points bonus after spending $Y in the first Z months. These sign-up bonus Bank of America promotions change often, so review the live offer before applying.

Qualification rules can include new-cardholder limits. If you recently opened or closed a similar Bank of America account, you might be ineligible for a welcome offer. Meeting the required spend within the timeframe is essential to secure the full sign-up bonus Bank of America advertises.

Travel and purchase protections

Premium travel cards tend to include strong travel protections such as trip cancellation and interruption insurance, trip delay reimbursement, baggage delay and lost baggage coverage, and rental car collision damage waiver. Many cards add travel accident insurance as well.

On the purchase side expect benefits like purchase protection, extended warranty coverage, and fraud monitoring. Read the card benefits guide and cardmember agreement to understand coverage limits, exclusions, claim procedures, and whether benefits require enrollment or activation.

Introductory offers and annual fee overview

Introductory APR deals are uncommon on premium rewards cards, so plan assuming regular purchase APR applies. The annual fee Premium Rewards cards charge usually falls in the premium range. Confirm the current annual fee Premium Rewards on Bank of America’s product page before deciding.

To evaluate value, compare the annual fee Premium Rewards against expected earnings, travel credits, and protections. A simple break-even estimate can help determine whether the card’s net benefit matches your travel and spending habits.

Feature	What to expect	Why it matters
Points earning	Elevated points on travel and dining; base points on other purchases	Maximizes return where you spend most; check exact rates in disclosures
Sign-up bonus	Large points award after meeting a spend threshold in initial months	Can cover first-year value if you meet the spending requirement
Relationship boost	Preferred Rewards members can receive 25–75% bonus	Increases long-term earning power and redemption value
Travel protections	Trip cancellation, delay coverage, baggage protection, rental car insurance	Reduces out-of-pocket risk when travel plans go wrong
Purchase protections	Purchase protection, extended warranty, fraud monitoring	Extends merchant protections and offers recovery routes for losses
Introductory offers	Rare APR introductions; points-focused welcome offers are common	Helpful for short-term value but verify current bank terms
Annual fee	Premium annual fee typical; confirm exact amount on product page	Assess against travel credits and rewards to determine net value

Eligibility requirements and preparing to apply

Before you apply for the Bank of America Premium Rewards card, get a clear sense of what the issuer will review. Gather information about your credit health, income, and any existing relationship with Bank of America. This preparation helps speed the process and improves your chances of approval.

Credit score expectations and financial profile

For a premium travel card, issuers typically look for good to excellent credit. Aim for a credit score in the mid-700s or higher to meet the common credit score requirement for premium products.

Lenders also evaluate debt-to-income ratio, recent credit inquiries, length of credit history, and total revolving balances. A strong history with Bank of America—checking, savings, mortgage, or investment accounts—can be helpful but does not guarantee approval.

Required personal and financial documents

Have these items ready before you start the application to avoid delays.

• Full legal name, current residential address, previous address if less than two years at current address, Social Security number, date of birth, email, and primary phone number.
• Employment details: employer name, job title, work address if requested, and annual income. Include household income and other income sources as applicable.
• Housing status and monthly housing payment: rent, mortgage, or own outright.
• Additional documents for verification if Bank of America requests them: recent pay stubs, W-2s, federal tax returns, bank statements, driver’s license or passport, and a utility bill for proof of address.

Tips to check pre-qualification without a hard inquiry

Use Bank of America’s online pre-qualification tool to see potential offers with a soft credit check. This step lets you view likely outcomes without impacting your credit score and helps determine Premium Rewards eligibility before a full application.

1. Sign in to your Bank of America online banking account or visit the bank’s credit card pre-qualification page.
2. Enter the requested personal details and income information.
3. Review any card offers shown and note that pre-qualification is not a final approval.

Check your credit reports at AnnualCreditReport.com and review your scores beforehand. Fix errors, address outstanding delinquencies, and reduce balances where possible to improve your odds when you move from pre-qualification Bank of America checks to a formal application.

Preparation Step	Why it Matters	Suggested Documents
Verify credit score	Confirms you meet the typical credit score requirement for premium cards	Credit report from AnnualCreditReport.com, recent score snapshot
Gather ID and proof of address	Speeds identity verification and reduces delays	Driver’s license or passport, recent utility bill
Compile income proof	Supports reported income and employment details	Pay stubs, W-2s, tax returns, employer contact
Run pre-checks	Shows potential offers with a soft pull and helps assess Premium Rewards eligibility	Bank of America online access for pre-qualification Bank of America tool
Review banking relationships	Existing accounts may influence underwriting	Account numbers, statements for checking or savings

Step-by-step online application process

Start with a calm, focused session at your computer or on your phone. This short guide walks you through the online steps so you can complete the application with fewer mistakes and faster approval odds.

 

Accessing Bank of America’s application portal

Open a browser and go to bankofamerica.com. From the homepage, select “Credit Cards” and find the Premium Rewards product page. Click “Apply Now” to begin the online application Bank of America process.

If you have a Bank of America online banking login, sign in first. Signed-in customers often see targeted offers and pre-qualified rates through the Bank of America portal. Verify you are on the official site by checking for HTTPS and Bank of America branding to avoid scams.

Filling in personal information accurately

Enter your legal name exactly as it appears on Social Security records. Provide your current residential address, a mailing address if needed, date of birth, Social Security number, phone number, and email.

Double-check common error points: SSN digits, street abbreviations, and name formatting. Small typos can delay verification or cause a denial during the how to apply Premium Rewards online process.

Entering employment and income details

List your employer name and job title. Report annual income and include salary, bonuses, freelance earnings, investment income, retirement income, or household income if allowed. Use conservative figures rather than optimistic estimates.

Optional fields such as monthly housing payments help lenders gauge affordability. Bank of America may request proof of income after submission, so have pay stubs, tax returns, or bank statements ready if needed for the online application Bank of America review.

Reviewing terms, submitting, and next steps

Carefully read the cardmember agreement, APR disclosures, fees, and reward rules before you submit. Confirm all entries, then select submit to complete how to apply Premium Rewards online.

Many applicants get an instant decision. If your application is pending, Bank of America will list any documents required and an expected timeline through the Bank of America portal or by email. Track status via online banking, email alerts, or phone and be prepared to respond quickly to identity or income verification requests.

Applying in-branch or by phone

If you prefer personal help or need to present paperwork on the spot, visiting a local office can simplify the process. For some applicants with complex income or questions about Bank of America relationship benefits, staff can review options and speed up verification. You can also choose a phone option when convenience matters or when you received a targeted offer that includes a direct line for assistance.

When to choose an in-branch application

Choose an in-branch visit when you want face-to-face support from a banker. Staff can explain benefits tied to existing checking or savings accounts and confirm eligibility. Applicants with nonstandard income, self-employment, or recent address changes often benefit from in-person help.

Bankers may sometimes verify documents quickly and answer product questions that are hard to resolve online. If you prefer a guided experience, an in-branch appointment reduces uncertainty and can shorten decision times.

What to bring to a branch appointment

Bring primary identification such as a driver’s license or passport and your Social Security number. If your address differs from the ID, carry a utility bill or lease to confirm residency. Recent pay stubs or tax returns help the banker verify income for approval.

Include any existing Bank of America account numbers and a debit card if you want to link accounts. Call ahead to confirm the complete list of branch appointment documents and to set a time that reduces wait time.

Phone application: what to expect during the call

When you use the phone application Premium Rewards, a representative will ask the same personal, employment, and income questions found online. Have your ID, SSN, and income records ready so you can provide accurate answers during the call.

The rep may request additional verification by mail or email or ask identity-confirming questions. You might receive a decision during the call or a follow-up message. Keep branch appointment documents accessible even for a phone application, since you may need to submit them afterward.

Common application issues and how to resolve them

Applying for the Bank of America Premium Rewards card can be quick when everything matches up. Sometimes applications hit snags. This section walks through common problems and clear steps to fix them so you can move forward with confidence.

Addressing denied or pending applications

Getting a denial notice can feel frustrating. Typical denial reasons include limited credit history, a low credit score, a high debt-to-income ratio, many recent hard inquiries, or recent late payments and collections on your credit report.

Start by reading the adverse action notice to learn the stated reasons. Order free credit reports through AnnualCreditReport.com to confirm the details. If you spot errors, file disputes with Experian, TransUnion, or Equifax and include supporting documents.

If you need denied application help, consider reducing credit card balances to lower utilization, correct any report errors, and wait a few months before reapplying. For some applicants, adding a secured card or becoming an authorized user on a responsible account can build history fast.

When an application shows pending, common causes include manual underwriting, income verification needs, or identity checks. Pending application Bank of America cases often clear within a few business days once the bank receives requested documents.

Provide the bank with clear, timely documentation to speed resolution. Keep copies of everything you upload and note how you delivered documents and when.

How to correct application errors or mismatched info

Small typos in name, address, or Social Security number can delay approval. Contact Bank of America by calling the number on your confirmation, visiting a local branch, or sending a secure message through online banking.

When you correct details, document each step. Save emails, secure messages, and uploaded files. Record dates and the names of representatives you speak with. If you don’t get a response within the bank’s stated timeframe, follow up and reference prior correspondence.

Dealing with identity verification requests

Identity verification credit card requests commonly ask for a driver’s license, passport, utility bill, or a Social Security confirmation. The bank may also ask you to confirm recent transactions by phone or secure message.

Respond promptly using the bank’s secure upload portal or visit a branch in person. Ensure documents are legible, unexpired, and match what you put on the application. If you suspect fraud, place a fraud alert or credit freeze with the major bureaus and contact Bank of America’s fraud prevention team right away.

Keep calm and stay organized. Quick, clear responses and careful documentation often turn a stalled or denied application into an approved account.

Managing your new Premium Rewards account after approval

Once your card arrives, a few quick steps will keep your account secure and ready for use. These actions help you earn points faster and avoid surprises on trips or big purchases.

Activating your card: Call the activation number on the sticker, open the Bank of America mobile app, or sign in to your online profile to activate Premium Rewards. If you are not yet enrolled, follow prompts to set up Bank of America access so you can manage the card instantly.

Set up Bank of America online banking: Enroll for online banking, add the new card to your account, and create mobile app credentials. Turn on transaction alerts, payment reminders, and one-touch bill pay. Link the card to Apple Pay or Google Pay for contactless purchases and faster checkout.

Maximize rewards Premium Rewards: Focus travel and dining on this card to capture elevated points. Charge planned large purchases that fall into bonus categories and schedule them so they count toward any welcome bonus requirement.

Join the Bank of America Preferred Rewards program if eligible. Keeping required balances in a qualifying Bank of America or Merrill account can boost points value when you redeem travel. Monitor partner promotions and the travel portal for redemptions that stretch points further.

Avoid cash advances and certain balance transfers for everyday earning. Those transactions may not earn points and could carry extra fees that cut into value.

Enroll travel protections: Read the benefits guide to learn coverage rules and any enrollment steps for rental car or trip protections. Some protections require preauthorization or enrollment through a portal or phone line before travel.

Register reservations and save claim contacts, receipts, and itineraries. Keep documentation like police reports for incidents that need a claim. If the card includes concierge or insurance services, link them to your account and set travel alerts to track delays or disruptions.

Set automatic payments to avoid late fees and check statements regularly for unauthorized charges. Small routine steps help you activate Premium Rewards, set up Bank of America online banking, maximize rewards Premium Rewards, and enroll travel protections with confidence.

Comparisons and alternatives to consider

Choosing a travel card means weighing fees, rewards, and perks. The Bank of America Premium Rewards card offers a clear earning structure and strong travel protections. Still, travelers should compare Premium Rewards with competitors to see which card fits their habits and goals.

How this card stacks up against other premium travel cards

Chase Sapphire Preferred and Reserve, American Express Platinum, and Citi Prestige-style cards differ in rewards rates, transfer partners, lounge access, and annual fees. Premium Rewards tends to have a lower annual fee than ultra-premium cards. It delivers solid points on travel and dining, a useful travel credit for some account holders, and relationship bonuses via Preferred Rewards.

American Express cards often lead on lounge access and elite perks. Chase cards excel at flexible transfer partners and category bonuses. Citi products sometimes match on premium benefits for a similar or higher fee. If lounge access and extensive transfer options matter most, look beyond the Premium Rewards card and consider alternatives premium travel cards from those issuers.

When a different Bank of America card might be a better fit

Not every spender needs a premium travel product. For everyday cash back, Bank of America Customized Cash Rewards or Bank of America Unlimited Cash Rewards can outperform travel cards for low to moderate spend levels. Those who rarely travel but want simple rewards should compare Premium Rewards against these cash-back options in a Bank of America card comparison.

If lounge membership, elite status benefits, or a larger network of transfer partners is a priority, choose a different issuer. If you value relationship perks and predictable point earning, Premium Rewards can still be competitive among the best travel credit cards US.

Key metrics to compare: fees, rewards, and benefits

Use a checklist when you compare Premium Rewards to other offers. Start with annual fee and any offsetting statement credits. Next, estimate the effective rewards rate for your typical spend in travel, dining, and everyday categories. Add welcome bonus size and required spend to earn it.

Check for foreign transaction fees, APR, travel protections, and insurance scope. Note perks like Global Entry credit, airport lounge access, or partner transfer options. Calculate an estimated annual value: multiply expected spend by category rates, add the value of benefits, and subtract the annual fee to see if the card provides net value.

When you weigh alternatives premium travel cards and perform a Bank of America card comparison, this approach helps identify which of the best travel credit cards US matches your travel style and budget.

Conclusion

This Premium Rewards summary wraps up the practical value of the guide: know the card features, gather the right documents, use pre-qualification tools, and choose online or in-branch routes that fit your situation. Following the step-by-step approach reduces surprises during the process and helps you apply Bank of America Premium Rewards with confidence.

Key takeaways: check current offers on Bank of America’s site before you apply, be honest and thorough on the application, and consider enrolling in Preferred Rewards if you qualify to boost earnings. If an identity or income verification request arrives, respond promptly to avoid delays and learn how to resolve common issues quickly.

For final application tips, use the guide’s checklists to streamline each step, compare alternatives to confirm the card meets your goals, and verify the latest terms directly with Bank of America before submitting your application. When you’re ready, these clear steps will make it easier to apply Bank of America Premium Rewards and start earning rewards on the purchases you already make.

FAQ

What is the Bank of America Premium Rewards card and who should apply?

The Bank of America Premium Rewards card is a mid- to high-tier travel rewards card issued in the U.S. It suits frequent travelers and professionals who want elevated points on travel and dining, travel and purchase protections (like trip cancellation/interruption and baggage delay), and potential relationship bonuses through Bank of America Preferred Rewards. Applicants should weigh the card’s annual fee against expected rewards, credits, and protections.

What credit score and financial profile are typically needed to be approved?

Approval is most likely for people with good to excellent credit—generally mid-700s or higher. Underwriting also considers debt-to-income ratio, recent credit inquiries, existing Bank of America relationships, and overall credit history length. Being an existing Bank of America customer can help but doesn’t guarantee approval.

What documents and information should I have ready before applying?

Have your full legal name, current residential address (and previous address if at current under two years), Social Security number, date of birth, email, and phone number. Also prepare employment details and annual income (including household or other income if applicable), housing status and monthly payment. Keep pay stubs, W-2s, tax returns, bank statements, photo ID, and a utility bill ready if Bank of America requests verification.

How can I check if I’m pre-qualified without a hard credit pull?

Use Bank of America’s online pre-qualification tool or sign in to online banking to view targeted offers. These soft-pull checks typically do not affect your credit score and show potential offers, but pre-qualification is not a guarantee of approval. Reviewing your credit report at AnnualCreditReport.com before applying can help you correct issues ahead of time.

How do I apply online for the Premium Rewards card?

Visit bankofamerica.com, go to Credit Cards, find the Premium Rewards product page, and click Apply Now. Signing in first can show targeted rates. Fill in legal name, address, SSN, birthdate, contact info, employment, and income. Review the cardmember agreement, APRs, fees, and rewards details before submitting. Many applicants get instant decisions; if pending, follow any document requests promptly.

Can I apply in a Bank of America branch or by phone instead of online?

Yes. Apply in-branch when you want face-to-face help, need to submit documents on the spot, or have complex income situations. Bring photo ID, SSN, proof of address, and income documents. You can also apply by phone through Bank of America’s credit card application line; a representative will collect the same information and may request documentation after the call.

What are common reasons applications get denied or delayed?

Denials or pendings often stem from insufficient credit score or history, high debt-to-income ratio, too many recent inquiries, recent negative items on your credit report, or mismatched application information. Pending decisions frequently require manual underwriting or income/identity verification. Review any adverse action notice and provide requested documents quickly.

What should I do if my application contains an error or information doesn’t match?

Contact Bank of America via the phone number on your application confirmation, visit a branch, or use secure messaging in online banking to correct details. Keep records of correspondence, note representative names and dates, and re-upload corrected documents if requested. Prompt follow-up helps avoid delays.

What kinds of travel protections and purchase benefits come with the card?

Typical protections include trip cancellation/interruption insurance, trip delay reimbursement, baggage delay and lost baggage coverage, rental car collision damage waiver (primary or secondary depending on terms), purchase protection, and extended warranty coverage. Coverage limits and exclusions vary—read the benefits guide and cardmember agreement for exact details and claim procedures.

How does the sign-up bonus usually work and how can I qualify?

Sign-up offers generally grant a points bonus after you spend a specified amount within the first few months (for example, earn X points after spending $Y in Z months). Qualification rules can include restrictions for recent cardholders or similar accounts. Check the live Bank of America offer before applying and track spend carefully to meet the threshold.

How do I activate the card and set up online access after approval?

Activate by calling the number on the sticker, using the Bank of America mobile app, or signing into online banking to activate. Enroll in online banking if needed, add the card to your account, set up mobile app access, enable alerts and automatic payments, and add the card to digital wallets like Apple Pay or Google Pay for contactless use.

How can I maximize rewards with this card?

Charge travel and dining to the card to earn elevated points and concentrate large planned purchases that fit bonus categories. If eligible, enroll in Bank of America Preferred Rewards to boost points when redeeming for travel. Monitor redemption options, time purchases to meet welcome bonus requirements, and avoid cash advances or balance transfers that don’t earn rewards.

Are there any introductory APRs or typical fees I should watch for?

Rewards cards rarely carry long introductory APRs; check the current APR disclosures before applying. Expect an annual fee consistent with premium travel cards. Confirm the exact annual fee, foreign transaction fees, and other charges on Bank of America’s product page and weigh them against expected rewards and benefits.

How does this card compare with other premium travel cards from Chase, American Express, or Citi?

The Premium Rewards card offers a straightforward earning structure, travel protections, and relationship bonuses through Preferred Rewards. Compared with ultra-premium cards from Chase, American Express, or Citi, it may have fewer transfer partners or lounge benefits but typically a lower annual fee. Compare fees, effective rewards rates, travel credits, partners, and protections to decide which card fits your needs.

What steps should I take if Bank of America requests identity verification?

Respond quickly using Bank of America’s secure upload portal or visit a branch with clear, unexpired ID and supporting documents (utility bills, pay stubs, or tax returns). Ensure document details match the application. If you suspect fraud, place a fraud alert or freeze with Equifax, Experian, and TransUnion and work with Bank of America’s fraud prevention team to resolve the issue.

If I’m denied, when is it reasonable to reapply?

Review the denial notice to learn specific reasons, pull your credit reports at AnnualCreditReport.com, and fix any errors. Address issues like high utilization or recent delinquencies, then wait several months before reapplying—long enough to show improved credit metrics and fewer recent inquiries. Consider alternatives with lower credit requirements in the meantime.