Premium Rewards

Best for: travel and dining with a flat rate elsewhere

A $95 travel card with 2 points on travel and dining, 1.5 on everything else and a 60,000-point bonus.

Good Day Loans is not currently paid by the institutions shown here. Any paid placement would be labeled and never changes rankings. Advertiser disclosureVerified Sep 28, 2026

Rewards and welcome offer

Welcome bonus

60,000 points

a $600 value, after $4,000 in purchases in the first 90 days

2 pointsper $1 on travel and dining purchases, unlimited
1.5 pointsper $1 on all other purchases, unlimited

Strengths and trade-offs

Strengths

2 points per $1 on travel and dining
1.5 points per $1 on all other purchases
60,000-point bonus, valued at $600
No foreign transaction fees

Trade-offs

$95 annual fee
Bonus needs $4,000 in purchases within 90 days

Rates and fees

Annual fee: $95
Regular APR: 19.49%–27.49% variable
Intro APR: None
Balance transfer fee: 5% of the amount transferred
Foreign transaction fee: None
Minimum credit score: Not published by the issuer

Balance transfer fee is 5% of each transaction. Points do not expire as long as the account remains open.

Figures read from bankofamerica.com on Sep 28, 2026. Terms change without notice, so confirm with the lender.

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