Overview

Receive 50,000 bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
Access to the Visa Signature® Luxury Hotel Collection which allows you to enjoy a premium set of benefits when you use your Premium Rewards card to book through the Visa Signature Luxury Hotel Collection
Annual Fee: $95
APR: 18.24% - 25.24% Variable
Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
No foreign transaction fees
Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delay inconvenience, lost luggage and emergency evacuation and transportation
Access to the Visa Signature® Concierge service who can help with travel planning, restaurant recommendations and event reservations
No blackout dates or restrictions and points do not expire

Insights Legend

Your credit score is an indication of credit risk and is calculated using various factors. Factors include the following:

Payment History
Amounts Owed
Credit History
Credit Mix
New Credit

Credit history is a record of a consumer's ability to repay debts, or in other words, the average length of all open credit accounts.

Utilization is the ratio of your credit card balances to your credit card limits. Basically, how much credit you spend vs. how much credit is available to you. Credit Viz asks for your average utilization in the last 6-12 months.

Existing relationships refer to a consumer's current business relationship with a bank or financial institution. A relationship could mean having a bank account, having an outstanding loan, or using a firms financial or investment products.

Refers to the types of credit bureau reports that banks pull to analyze a person's credit worthiness. The three major credit bureau reports come from TransUnion, Equifax, and Experian.

Number of credit cards a person had at the time of credit card acceptance

Total credit limit available across all open credit card accounts for a person

Yearly income of a person at the time of credit card acceptance

Number of hard inquiries a person had at the time of credit card acceptance

Starting credit card limit for a person who was accepted for the specific credit card

Note: Credit Viz does not collect information about on-time payments. You should always pay your credit card balances in full every month. On-time payments are also a factor that is used in calculating your credit score.

Bank of America Premium Rewards

Overview

Acceptance Stats

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Average Utilization

Credit Bureau Reports Pulled

Existing Relationship

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Insights Legend

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