Best Hotel Credit Card Offers with Rewards

Compare 34 hotel credit cards on Myfin.us.

Best Credit Cards for Hotel in January 2022

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Capital One Venture Rewards best for Travel, Daily use

Venture Rewards Capital One
Our Rating:
3.69 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 60,000x Bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 23.99% Variable
  • Balance Transfer APR:
    15.99% - 23.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 60,000 bonus miles when you spend $3,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 15.99% - 23.99% (Variable). The card has an annual fee of $95.

    When using your Venture card to cover the application fee, you can receive up to $100 in credit for your Global Entry or TSA Precheck application.

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

    Capital One’s assistant program, Eno, is like your account management system rolled into one helpful assistant. It monitors your account for fraud, sends alerts, creates virtual credit card numbers and provides useful account info like your balance.

    Perhaps the most interesting of these abilities is its virtual credit card number storage. Virtual credit cards are getting harder to come by, and Eno provides another layer of protection when you shop online by saving a unique virtual card number for each merchant you transact with.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 2x miles on all purchases;
    • 5x miles on hotels and car rentals;
    • 60,000 bonus miles;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
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American Express Gold Card best for Cash Back

American Express® Gold Card
Our Rating:
3.15 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining.
    • 4x Points on groceries.
    • 3x Points on flights.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 75,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Annual Fee:
    $250 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express® Gold Card's annual fee is $250. The card offers 4x points on dining and griceries, 3x on flights and 1x on all other purchases.

    There is a 15.99% to 22.99% variable APR.

    As a new cardholder, you have the chance to earn an impressive 75,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
  • Benefits:
    • $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 75,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining;
    • 4x Membership Rewards® Points on groceries;
    • 3x Membership Rewards® Points on flights;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection.
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Chase Sapphire Preferred® best for Travel, Restaurants, Daily use

Chase Sapphire Preferred®
Our Rating:
4.53 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • $50 Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Ultimate Rewards®.
    • 5x Points on travel purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit.
    • 3x Points on dining, including eligible delivery services, takeout and dining out.
    • 3x Points on online grocery purchases (excluding Target, Walmart and wholesale clubs).
    • 3x Points on select streaming services.
    • 2x Points on other travel purchases.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 60,000x Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    15.99% - 22.99% Variable
  • Issuer name:
    Chase
  • Details:

    The Chase Sapphire Preferred® Card offers 2x points on travel and dining. Get 25% more value when redeemed for travel.

    The Sapphire Preferred has a $95 annual fee. The card’s variable APR is 15.99% to 22.99%.

    My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

  • Pros:
    • Excellent sign-up bonus
    • No foreign transaction fees
    • 25% more redemption value
    • Unique “My Chase Plan” offer
    • Great Referral Program
  • Cons:
    • There is an annual fee
    • Steep penalty APR of 29.99%
    • No 0% intro APR offer
  • Benefits:
    • 60,000 Bonus Points;
    • $50 in statement credits;
    • 5x points on travel;
    • 3x points on dining;
    • 3x points on online grocery purchases;
    • 3x points on select streaming services;
    • 2x points on other travel purchases;
    • 25% more redemption value;
    • 1:1 Point Transfer;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Baggage Delay Insurance;
    • Travel and Emergency Assistance Services.
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Chase Sapphire Reserve® best for Travel, Restaurants, Daily use

Chase Sapphire Reserve® Chase
Our Rating:
4.11 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 10x Points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 10x Total points on Chase Dining purchases with Ultimate Rewards®.
    • 5x Total points on flights when you purchase travel through Chase Ultimate Rewards® after the first $300 is spent on travel purchases annually.
    • 3x Points on other travel worldwide after the first $300 is spent on travel purchases annually.
    • 3x Points on other dining at restaurants, including eligible delivery services, takeout and dining out.
    • 1x Point per dollar spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • Annual Fee:
    $550 annually ($75 for each authorized user)
  • Purchase Intro APR:
    None
  • Regular APR:
    16.99% - 23.99% Variable
  • Balance Transfer APR:
    16.99% - 23.99% Variable
  • Issuer name:
    Chase
  • Details:

    Earning rewards with the Chase Sapphire Reserve® is very straightforward.

    New cardmembers can earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. The bonus points are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals, or cruises.

    Transfer your points to leading airline and hotel loyalty programs at 1 to 1 value. That means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points.

    Cardmembers receive a $300 credit each card anniversary to be used toward travel. This credit is applied as a statement credit for travel purchases automatically. The card also offers a $100 statement credit every four years toward the Global Entry or TSA PreCheck® Fee.

  • Pros:
    • Generous signup offer
    • Annual $300 travel credit
    • High travel and dining rewards
    • Transfer points to loyalty programs
    • Increase point value by 50%
  • Cons:
    • Typically requires excellent credit
    • High annual fee
  • Benefits:
    • 50,000 bonus points;
    • 10x total points on hotels and car rentals;
    • 10x total points on Chase Dining purchases;
    • 5x total points on flights;
    • 3x points on other travel;
    • 3x points on other dining;
    • $300 Annual Travel Credit;
    • Zero liability protection;
    • 50% more redemption value;
    • Global Entry or TSA Pre✓® Fee Credit ;
    • Complimentary Airport Lounge Access;
    • The Luxury Hotel & Resort Collection;
    • Trip Cancellation/Interruption Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lost Luggage Reimbursement;
    • Emergency Evacuation & Transportation.
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American Express Marriott Bonvoy Brilliant™ best for Hotel

Marriott Bonvoy Brilliant™ American Express®
Our Rating:
2.54 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6x Points on hotels. For eligible purchases at participating Marriott Bonvoy hotels.
    • 3x Points on dining. At restaurants, including takeout and delivery.
    • 3x Points on flights.
    • 2x Points on all other purchases.
  • Intro Offer:
    • 75,000x Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
    • $200 Earn up to $200 in statement credits for eligible purchases made on your new Card at U.S. Restaurants within the first 6 months of Card Membership.
  • Annual Fee:
    $450 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.74% - 24.74% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Marriott Bonvoy Brilliant™ Card is a great option for making your stays more luxurious. It has a $450 annual fee.

    The Card's APR: 15.74% - 24.74% (Variable).

    You'll earn 6 points per dollar spent on eligible purchases at Marriott hotels, 3 points per dollar spent on airline tickets and at US restaurants, and 2 points per dollar spent everywhere else. You'll also earn a free night certificate every year after your account anniversary, which you can redeem at Marriott Bonvoy properties that cost up to 50,000 points per night.

    The card also offers an annual credit of up to $300 toward Marriott Bonvoy hotels. It applies to room rates as well as on-site purchases like room service or spa treatments. If you max out this annual credit, you're effectively reducing the card's annual fee to $150. The current offer includes complimentary Marriott Bonvoy Gold Elite status, which is normally available only after staying 25 nights in one year.

    The Marriott Bonvoy Brilliant Card also provides some helpful protections, including baggage insurance, rental car protection, and a host of purchase protections.

  • Pros:
    • No foreign transaction fees
    • High earning rate
    • Annual statement credit
    • Annual free night award
    • Transfer partners
    • Prized travel protections
  • Cons:
    • Annual fee
    • Most redemption options outside of hotel stays have a very poor value
  • Benefits:
    • 75,000 Bonus Marriott Bonvoy Points;
    • Up to $200 in statement credits;
    • 6x points on hotels;
    • 3x points on dining;
    • 3x points on flights;
    • 2xpoints on all other purchases;
    • $300 Marriott Bonvoy Statement Credit;
    • Gold Elite status;
    • Free Night Award;
    • $100 Marriott Bonvoy Property Credit;
    • 15 Elite Night Credits;
    • Priority Pass Select;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Premium Internet Access;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline;
    • Baggage Insurance Plan;
    • Trip Cancellation and Interruption Insurance;
    • Trip Delay Insurance;
    • American Express Experiences;
    • Return Protection;
    • Fraud Protection.

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Chase World of Hyatt best for Hotel

World of Hyatt Chase
Our Rating:
3.28 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 9x Points for Hyatt stays.
    • 2x Points for dining out.
    • 2x Points for flights.
    • 2x Points for gym memberships.
    • 2x Points for getting around.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 30,000x Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.
    • 30,000x Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
    • 2x Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    15.99% - 22.99% Variable
  • Issuer name:
    Chase
  • Details:

    The World of Hyatt card offers a comprehensive rewards structure. The card has an annual fee of $95.

    Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. You'll also get 4x World of Hyatt points per dollar from the card and 5x points from your automatic Discoverist membership, for a total of 9x on eligible purchases at Hyatt.

    The card’s APR is a variable 15.99 - 22.99 percent.

    The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees.

  • Pros:
    • No foreign transaction fees
    • High-value rewards
    • Free night every anniversary year
    • Solid shopping and travel protections
    • Automatic elite status
  • Cons:
    • Annual Fee
    • Extra Fees
    • High regular APR
    • No intro APR offer
    • No worthwhile redemption options aside from Hyatt properties
  • Benefits:
    • Up to 60,000 Bonus Points;
    • A 10% bonus on points earned on eligible room rates and incidental charges;
    • Premium in-room internet;
    • 2pm late check-out upon request where available;
    • 5 qualifying night credits;
    • 2 additional qualifying night credits;
    • One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort;
    • An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year;
    • Automatic elite status;
    • Concierge Service;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Reimbursement;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement;
    • Baggage Delay Insurance;
    • Auto Rental Collision Damage Waiver.
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American Express Hilton Honors best for No Annual Fee

Hilton Honors American Express
Our Rating:
3.28 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 7x Points on hotels & resorts.
    • 5x Points on dining.
    • 5x Points on groceries.
    • 5x Points on Gas.
    • 3x Points per dollar spent on all other eligible purchases.
  • Intro Offer:
    • 100,000x Bonus points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
    • 50,000x Bonus points after you spend a total of $5,000 in purchases on the Card in the first 6 months.
  • Annual Fee:
    None
  • Purchase Intro APR:
    None
  • Regular APR:
    15.74% - 24.74% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The Hilton Honors American Express Card is a credit card for travelers who prefer to stay at Hilton hotels and resorts.

    Earn 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn 50,000 Bonus Points after you spend a total of $5,000 in purchases on the Card in the first 6 months.

    You can also earn 7x points on eligible Hilton purchases, 5x points at gas stations, supermarkets and restaurants, 3x points on all other purchases.

    The card's APR: 15.74% - 24.74% (Variable). The variable penalty APR will not exceed 29.99%. The card charges no annual fee.

    Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

    You can add an Additional Card for anyone who makes purchases for you, like your child (13+), spouse or employee.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fees
    • Automatic Silver Status
    • Path to Gold Status
    • Generous Welcome Bonus
  • Cons:
    • High APR
    • Low Points Value Outside Hilton Hotels
  • Benefits:
    • Up to 150,000 bonus points;
    • 7x points on hotels & resorts;
    • 5x points on dining;
    • 5x points on groceries;
    • 5x points on gas;
    • 3x points on all other purchases;
    • Additional Cards;
    • Complimentary Hilton Honors Silver Status;
    • American Express Experiences.
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American Express Cash Magnet® best for Cash Back, 0 APR

Cash Magnet® American Express
Our Rating:
3.9 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Earn unlimited Cash Back on all purchases.
  • Intro Offer:
    • $200 Earn $200 Back after you spend $2,000 in purchases on your new Card in your first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    None
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening
  • Regular APR:
    13.99% - 23.99% Variable
  • Balance Transfer APR:
    None
  • Issuer name:
    American Express
  • Details:

    The American Express Cash Magnet® Card is one of the best cash back credit cards. You’ll earn Cash Back on every purchase at a flat rate of 1.5 % back, no matter what you buy. The card also carries a nice welcome bonus and no annual fee.

    0% introductory plan fee on each purchase moved into a plan during the first 15 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No annual fee
    • 0% Intro APR
    • Uniform Bonus Tier
    • $200 Welcome Bonus
  • Cons:
    • Relatively Low Cash Back Rate
    • Limited Cash Back Reward Redemption
    • Limited Acceptance Globally
    • Foreign transaction fee
    • APR Penalty
  • Benefits:
    • Unlimited 1.5% Cash Back;
    • 0% intro APR;
    • American Express Experiences;
    • 24/7 Travel Assistant;
    • Car Rental Loss and Damage Insurance;
    • Purchase Protection.
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Miles & More® World Elite Mastercard® Barclays Bank Delaware
Our Rating:
3.26 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 2x Miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners.
    • 1x Miles per $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Miles if you spend $3,000 in purchases and paying the annual fee, both within the first 90 days.
    • 25,000x Miles if you spend $20,000 in purchases in the first year.
  • Annual Fee:
    $89 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 24.99% Variable
  • Balance Transfer APR:
    15.99% - 24.99% Variable
  • Issuer name:
    Barclays Bank Delaware
  • Details:

    The Miles & More® World Elite Mastercard® is a travel rewards card associated with Lufthansa and partner airlines.

    The card’s rewards program offers 2 miles per dollar for purchases at airline partners and 1 mile per dollar on all other purchases. You'll earn 50,000 bonus miles if you make $3,000 in purchases within the first 90 days and pay the annual fee. Plus, earn 25,000 award miles if you spend $20,000 in purchases in the first year. An annual fee of $89 is charged for the Barclays Miles & More® World Elite Mastercard®.

    Convert award miles earned on purchases into status miles. Once each calendar year, you can convert 5,000 to 25,000 award miles at a 5 to 1 ratio. For example, 5,000 award miles convert to 1,000 status miles.

    The Miles & More® World Elite Mastercard® offers a 15-month 0% APR introductory period for balance transfers made in the first 45 days. After that, there is a variable APR of 15.99% - 24.99% based on your credit worthiness.

    The card offers cardholders two Lufthansa Business Lounge vouchers every year when you pay your annual fee. Plus, receive a Companion Ticket after each account anniversary.

  • Pros:
    • No Foreign Transaction Fee
    • Introductory APR period for balance transfers
  • Cons:
    • Annual Fee
    • Miles can only be redeemed with Lufthansa and its airline partners
    • Excellent credit needed to qualify
    • Low earning potential
  • Benefits:
    • Up to 75,000 award miles;
    • 2x miles on tickets purchased from Miles & More integrated airline partners;
    • 1x miles on all other purchases;
    • $0 Liability Guarantee;
    • Up to 15% discount on Miles & More hotel and car rental partners;
    • Lounge access;
    • A Companion Ticket;
    • Achieve Miles & More status faster;
    • Trip Cancellation and Interruption and Commentary;
    • Auto rental collision damage waiver;
    • Baggage Delay Coverage.
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Bank of America Premium Rewards® best for Daily use

Premium Rewards® Bank of America
Our Rating:
4.49 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points per $1 spent on travel purchases.
    • 2x Points per $1 spent on dining purchases.
    • 2x Points per $1 spent on groceries.
    • 1.5x Points per $1 spent on all other purchases.
  • Intro Offer:
    • 50,000x Bonus points when you spend $3,000 in first 90 days.
  • Annual Fee:
    $95 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    15.99% - 22.99% Variable
  • Balance Transfer APR:
    15.99% - 22.99% Variable
  • Issuer name:
    Bank of America
  • Details:

    The Bank of America Premium Rewards® credit card offers two points per dollar spent on travel and dining purchases and 1.5 points per dollar spent everywhere else.

    You can qualify to earn a 25% to 75% rewards bonus if you’re a Bank of America Preferred Rewards client. New cardholders receive 50,000 bonus points after you spend $3,000 in purchases in the first 90 days of account opening.

    Points can be redeemed for a credit on your statement, gift cards, a deposit into a Bank of America® or Merrill account (checking, savings or 529 plan) or travel booked through the Bank of America Travel Center.

    The credit card's annual fee is $95. ATM, Over-the-Counter, Same-Day Online Cash Advances Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

    The Bank of America Premium Rewards® credit card has no Intro APR period on purchases and balance transfers. The card's APR: 15.99% - 22.99% (Variable).

    The card is great for international travel, especially for those who’ll take advantage of the TSA PreCheck or Global Entry statement credit of up to $100 every four years. Trip cancellation and delay coverage, baggage delay or loss coverage and emergency evacuation and transportation coverage are all perks with this card. Even auto rental damage and collision insurance is included among an array of other benefits.

  • Pros:
    • Earn Unlimited Points on Every Purchase
    • Travel Related Statement Credits
    • Earn Sign-up Bonus Points
    • No Foreign Transaction Fees
  • Cons:
    • Has an Annual Fee
    • No intro APR offers
    • There Is Minimum Redemption
  • Benefits:
    • 2x points on travel purchases;
    • 2x points on dining and grocery purchases;
    • 1.5x points on all other purchases;
    • 50,000 bonus points;
    • $100 in Airline Incidental Statement Credits;
    • TSA PreCheck or Global Entry Statement Credits;
    • Digital Wallets;
    • $0 Liability Guarantee;
    • Overdraft Protection;
    • FICO® Score;
    • Trip Delay Reimbursement;
    • Auto Rental Collision Damage Waiver;
    • Trip Cancellation/Interruption Coverage;
    • Baggage Delay Coverage;
    • Lost Baggage Reimbursement;
    • Emergency Evacuation and Transportation Coverage.
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