Premium Rewards® Credit CardMake every
purchase
more rewarding

Bank of America Premium Rewards Visa credit card

Premium Rewards® credit card

How you use your rewards is up to you. Choose cash back as a deposit into a Bank of America®
checking or savings account.

Or opt to add credit to an eligible Merrill account, including 529
accounts.

Another option is a statement credit to your credit card. You can even redeem for
gift cards and purchases at the Bank of America Travel Center.

50,000
bonus points

After you make at least $3,000 in
purchases in the first 90 days of account opening. That’s $500 worth of rewards.

Start by earning
unlimited points

Earn 2 points for every $1 spent on
travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

See how you can earn even more points
as a Preferred Rewards member

Gold

Earn an unlimited 2.5 points
for every $1 spent on
travel and dining purchases.

Earn an unlimited 1.87 points
for every $1 spent
on all other purchases.

$20K to < $50K
three-month average combined
balance required.

Platinum

Earn an unlimited 3 points
for every $1 spent on
travel and dining purchases.

Earn an unlimited 2.25 points
for every $1 spent
on all other purchases.

$50K to < $100K
three-month average combined
balance required.

Platinum Honors

Earn an unlimited 3.5 points
for every $1 spent on
travel and dining purchases.

Earn an unlimited 2.62 points
for every $1 spent
on all other purchases.

$100K+
three-month average combined
balance required.

Learn more about the Preferred Rewards program here. Preferred Rewards for Wealth Management clients
can contact their advisor to learn more.

Up to $100
airport security credit

Get Airport Security Statement Credits of up to $100 towards TSA Pre✓® or Global Entry Application fee, every four years*.

Up to $100
airline incidental credit

Get up to a $100 Airline Incidental Statement Credit annually
for qualifying purchases.

For information about rates, fees, other costs and benefits associated with the use of this card or to apply, click on “Apply now” and refer to the disclosures accompanying the online credit card application.

Bank of America® Premium Rewards® Program Information. How You Earn Points: You earn points when you use your card to make purchases, minus returns, credits and adjustments (“Net Purchases”). The following transactions are not considered purchases and will not earn points: Balance Transfers and Cash Advances (each as defined in your Credit Card Agreement), fees, interest charges, fraudulent transactions and certain other charges. Unlimited 1.5 Points: Earn 1.5 base points for every $1 of Net Purchases (non-Travel and Dining) charged to the card each billing cycle. 2 Points: Earn 2 base points for every $1 of Net Purchases made with the card in the Travel and Dining category, with no limit on the number of points you can earn. Travel and Dining Category: Dining includes Restaurants, including Fast Food, and Drinking Establishments, such as Bars or Taverns. Travel includes: airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators and real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos and the like. Purchases from some merchants that provide travel-related goods and services will not be eligible, like in-flight goods and services, and duty-free airport purchases. Travel and Dining Category Processing: Merchants are assigned a merchant category code (MCC) based on the merchant’s primary line of business. We do not determine which MCC a merchant chooses to classify itself. We group similar MCCs into Categories to help you earn rewards on purchases made at specific merchants. Your purchase may not qualify to receive the Travel and Dining Category earn rate if the merchant does not process transactions under the MCC that corresponds with the Travel and Dining Category, or your purchase is processed through a third-party payment account, mobile/wireless card reader, digital wallet not supported by Bank of America or similar technology where the technology does not support transmission of MCCs. For those Net Purchases, you will earn 1.5 base points per $1. Not all merchants accept all credit cards. How You Use Your Points: When your points balance is 2,500 points or more, you can redeem your points for cash rewards, including a statement credit, an electronic deposit into a Bank of America® checking or savings account, or for credit to a qualifying Cash Management Account® with Merrill or qualifying 529 account with Merrill. Points may also be redeemed for travel at the Travel Center, or gift cards. Cash rewards shall be issued for a U.S. dollar sum and may be requested on demand. Each point redeemed is worth $0.01 (2,500 points = $25). Points Expiration: As long as your account remains open with active charging privileges, points do not expire. Points Forfeiture: If the owner(s) of the card account voluntarily closes the card account, or if for any reason we close the card account, any unredeemed points associated with the account are subject to immediate forfeiture, unless specifically authorized by us. Rewards Program Rules: Program Rules containing additional terms of your credit card rewards program will be sent to you with your new account materials. Other significant terms apply. Program subject to change. 0620RLL.PR.0620

Airline Incidental Statement Credit. You are eligible for a statement credit of up to $100 each calendar year if you make qualifying airline incidental fee transactions. To qualify, you must use your Premium Rewards® credit card to pay all airline incidental fee transactions. Allow 2-3 weeks from qualifying for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. Your account must be open and not in default at the time of statement credit fulfillment. Qualifying transactions are those purchases made on domestic-originated flights on certain U.S.-domestic airline carriers that include: preferred seating upgrades, ticket change/cancellation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, and airport lounge fees affiliated with eligible airline carriers. Airline ticket purchases, mileage point purchases, mileage point transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners do not qualify. Airline incidental fee transactions must be separate from airline ticket charges. The airlines must submit the ancillary fees under the appropriate merchant category code (MCC), industry code or required service or product identifier to be identified as a qualifying airline incidental fee transaction. 0620RLL.PR.AI.SC.0519

Airport Security Statement Credit. You are entitled to one statement credit per account every four years, in connection with either the TSA Pre® ($85) or Global Entry ($100) program. To qualify, you must use your Premium Rewards® credit card to pay the application fee. Allow 2-3 weeks from qualifying, for the statement credit to post to your account. You are responsible for payment of all charges until the statement credit posts to your account. If you apply for both programs, only one credit will be applied, to the fee that posts to the account first. Your account must be open and not in default at the time of statement credit fulfillment. TSA Pre® is a U.S. Government program, operated by the Department of Homeland Security (DHS). Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Bank of America has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and no liability regarding the Global Entry or TSA Pre® programs. For complete details on the Global Entry program, go to http://www.cbp.gov/global-entry/about. For complete details about TSA Pre® go to http://www.tsa.gov/precheck. The TSA Pre® trademark is used with the permission of the U.S. Department of Homeland Security. 0620RLL.PR.AS.SC.0820

Preferred Rewards Program. You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking or Advantage Banking account and maintain a three-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge® and Merrill Lynch® investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. Visit bankofamerica.com/preferred-rewards for additional program details.

Credit Card Preferred Rewards Bonus. Enrolled clients with Bank of America® Premium Rewards® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier with each purchase. That means a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. Travel and dining purchases—which earn 2 points per dollar spent—will also qualify for a Preferred Rewards bonus. For example, a $100 travel or dining purchase that earns 200 base points will actually earn 250, 300, or 350 points, based on your tier when the purchase posts to your account. You will not receive the Preferred Rewards bonus when you redeem your Points. Other terms and conditions apply. Additional details about the Preferred Rewards bonus are available in your card’s Program Rules, which are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. 0219PR.PR_NENRL_NELIG.1118

Banking Rewards for Wealth Management Program. You are eligible to enroll in the Banking Rewards for Wealth Management program if you have an active, eligible Bank of America® personal checking or Advantage Banking account and maintain a three-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge® and Merrill Lynch® investment accounts of at least $250,000. All U.S. Trust® clients are eligible for the Banking Rewards for Wealth Management program. Visit bankofamerica.com/preferred-rewards for additional program details.

Credit Card Banking Rewards Bonus. Enrolled clients with Bank of America® Premium Rewards® credit cards can receive the Banking Rewards bonus of 75% with each purchase. That means a purchase that earns 100 base points will actually earn 175 points when the purchase posts to your account. Travel and dining purchases—which earn 2 points per dollar spent—will also qualify for a Banking Rewards bonus. For example, a $100 travel or dining purchase that earns 200 base points will actually earn 350 points when the purchase posts to your account. You will not receive the Banking Rewards bonus when you redeem your Points. Other terms and conditions apply. Additional details about the Banking Rewards bonus are available in your card’s Program Rules, which are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. 0219PR.PR_BRWM.1118

Credit card programs are issued and administered by Bank of America, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. Bank of America, Premium Rewards and the Bank of America logo are registered trademarks of Bank of America Corporation.