Bank of America Premium Rewards Card (USA): Ek Shaandaar Credit Card Option

# Bank of America Premium Rewards Card (USA): Ek Shaandaar Credit Card Option

Namaste dosto! Agar aap ek aisa credit card dhoondh rahe hain jo travel aur dining ke saath-saath daily expenses pe bhi shandaar rewards de, toh **Bank of America Premium Rewards Card** ek badhiya choice ho sakta hai. Ye card na sirf flexible rewards deta hai, balki iske saath aapko premium benefits bhi milte hain, jo aapke lifestyle ko aur bhi better bana sakte hain. Is article mein hum is card ke baare mein sab kuch detail se discuss karenge – iske features, benefits, kaise apply karna hai, aur bhi bohot kuch. So, let’s dive in!

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## Kya Hai Bank of America Premium Rewards Card?

Bank of America Premium Rewards Card ek premium travel aur rewards credit card hai jo specially un logon ke liye design kiya gaya hai jo travel aur dining pe kharch karte hain, lekin saath hi everyday purchases pe bhi rewards chahte hain. Iska annual fee $95 hai, lekin iske benefits is fee ko easily justify kar dete hain. Ye card flexible redemption options aur travel perks ke saath aata hai, jo isse ek versatile aur valuable option banata hai.

### Key Features of Bank of America Premium Rewards Card

- **Welcome Bonus**: Agar aap account opening ke pehle 90 days mein $4,000 spend karte hain, toh 60,000 bonus points milte hain, jo $600 ke barabar hain.[](https://www.bankrate.com/credit-cards/issuers/bank-of-america-purchase-protection-guide/)

- **Rewards Rate**:

  - 2 points har $1 pe jo aap travel aur dining pe kharch karte hain.

  - 1.5 points har $1 pe jo aap baki sab purchases pe kharch karte hain.[](https://pbigaem.fs.ml.com/solutions/credit-cards.html)

- **Statement Credits**:

  - Har saal up to $100 airline incidental statement credit (jaise baggage fees, seat upgrades, etc.).

  - Har 4 saal mein up to $100 Global Entry ya TSA PreCheck application fee ke liye credit.[](https://www.cardratings.com/credit-card/bank-of-america-premium-rewards-credit-card.html)

- **No Foreign Transaction Fees**: International purchases pe koi extra charge nahi.

- **Purchase Protection**: Up to $10,000 per claim purchase protection, jo aapke items ko damage ya theft se cover karta hai.[](https://www.bankrate.com/credit-cards/issuers/bank-of-america-purchase-protection-guide/)

- **Preferred Rewards Bonus**: Agar aap Bank of America Preferred Rewards program ke member hain, toh aap 25% se 75% tak zyada rewards earn kar sakte hain, depending on your tier.[](https://thepointsguy.com/credit-cards/bank-of-america-preferred-rewards-program/)

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## Kyun Choose Karein Bank of America Premium Rewards Card?

Ye card un logon ke liye perfect hai jo ek balanced rewards card chahte hain jo travel ke saath-saath daily expenses pe bhi value de. Iski kuch standout benefits hain:

- **Flexible Redemption Options**: Points ko aap cash back, travel, statement credit, gift cards, ya Bank of America Travel Center ke through travel bookings ke liye redeem kar sakte hain. Har point ki value 1 cent hai, no matter how you redeem.[](https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-premium-rewards)

- **Travel Perks**: Visa Signature Luxury Hotel Collection ke saath aapko room upgrades, late checkout, aur complimentary breakfast jaise benefits milte hain.[](https://www.bankrate.com/credit-cards/rewards/bank-of-america-travel-rewards-guide/)

- **Preferred Rewards Boost**: Agar aapke paas Bank of America ya Merrill ke accounts mein high balance hai ($20,000 ya zyada), toh aap Preferred Rewards program ke through 2.625 points per dollar tak earn kar sakte hain, jo is card ko ek top-tier option banata hai.[](https://thepointsguy.com/credit-cards/bank-of-america-preferred-rewards-program/)

- **Consumer Protections**: Fraud protection, roadside assistance, aur extended warranty jaise features aapko peace of mind dete hain.[](https://pbigaem.fs.ml.com/solutions/credit-cards.html)

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## Kaise Apply Karein Bank of America Premium Rewards Card Ke Liye?

Applying for this card is simple and straightforward. Yahan step-by-step process diya gaya hai:

1. **Visit Official Website**: Bank of America ki official website (www.bankofamerica.com) pe jayein aur “Credit Cards” section mein Premium Rewards Card select karein.[](https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/)

2. **Check Eligibility**: Ensure kijiye ki aap eligibility criteria meet karte hain (neeche details di gayi hain).

3. **Fill Application Form**: Online form mein apni personal details, income, aur employment information fill karein.

4. **Submit Application**: Form submit karne ke baad, aapko approval ka decision usually ek din ke andar mil jata hai.

5. **Activate Card**: Jab card aapke paas pahunch jaye, toh usse online ya phone ke through activate karein aur rewards earn karna shuru karein!

**Pro Tip**: Application se pehle apna credit score check kar lijiye. Ek strong credit score (670 ya zyada) approval ke chances badha deta hai.

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## Important Documents for Application

Bank of America Premium Rewards Card ke liye apply karte waqt aapko kuch basic documents aur information ready rakhni hogi:

- **Personal Information**: Full name, date of birth, aur Social Security Number (SSN).

- **Address Proof**: Current address ka proof, jaise utility bill ya lease agreement.

- **Income Details**: Annual income aur employment details (self-employed logon ke liye additional documentation ki zarurat ho sakti hai).

- **Credit History**: Aapka credit score aur history check kiya jayega, so ensure kijiye ki aapka record clean hai.

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## Eligibility Criteria for Bank of America Premium Rewards Card

Yahan kuch key eligibility requirements hain jo aapko fulfill karne honge:

- **Credit Score**: Aapka credit score ideally 670 ya usse zyada hona chahiye (Good to Excellent credit range).

- **Age**: Aapki umar minimum 18 saal honi chahiye.

- **Residency**: Aapko USA ka resident hona zaroori hai.

- **Income**: Stable income source dikhana zaroori hai, taaki Bank of America aapki repayment ability assess kar sake.

- **Bank of America Account (Optional)**: Agar aap Preferred Rewards program ka benefit lena chahte hain, toh aapke paas Bank of America checking/savings account ya Merrill investment account hona chahiye with a minimum balance of $20,000.[](https://promotions.bankofamerica.com/preferredrewards/en)

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## Additional Benefits Jo Aapko Pasand Aayenge

- **Visa Signature Benefits**: Is card ke saath aapko exclusive perks milte hain, jaise concierge services aur luxury hotel benefits.

- **No Points Expiry**: Aapke points kabhi expire nahi hote, jab tak aapka account active hai.[](https://money.usnews.com/credit-cards/bank-of-america)

- **Fraud Protection**: Zero liability for unauthorized transactions, jo aapko extra security deta hai.[](https://www.bankrate.com/credit-cards/issuers/bank-of-america-purchase-protection-guide/)

- **Travel Insurance**: Travel accident insurance aur trip cancellation/interruption coverage jaise protections bhi included hain.

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## FAQs About Bank of America Premium Rewards Card

**1. Bank of America Premium Rewards Card ka annual fee kitna hai?**  

Annual fee $95 hai, lekin iske benefits (jaise $100 airline credit) isse easily offset kar dete hain.[](https://thepointsguy.com/credit-cards/reviews/credit-card-review-bank-of-america-premium-rewards/)

**2. Kya ye card international travel ke liye acha hai?**  

Haan, bilkul! No foreign transaction fees aur Visa Signature perks isse international travelers ke liye ek great option banate hain.[](https://www.nerdwallet.com/article/credit-cards/benefits-of-the-bank-of-america-travel-rewards-card)

**3. Points kaise redeem kar sakte hain?**  

Aap points ko cash back, travel, statement credit, gift cards, ya Bank of America Travel Center ke through redeem kar sakte hain. Har point ki value 1 cent hai.[](https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-premium-rewards)

**4. Preferred Rewards program kya hai?**  

Ye Bank of America ka loyalty program hai jo aapko extra rewards deta hai agar aapke paas qualifying balances ($20,000 ya zyada) hain in Bank of America ya Merrill accounts.[](https://promotions.bankofamerica.com/preferredrewards/en)

**5. Kya ye card beginners ke liye suitable hai?**  

Agar aapka credit score acha hai aur aap travel ya dining pe kharch karte hain, toh ye card beginners ke liye bhi acha hai, lekin iska maximum benefit Preferred Rewards members ko milta hai.[](https://thepointsguy.com/credit-cards/bank-of-america-preferred-rewards-program/)

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## Conversational Keywords

- Bank of America Premium Rewards Card

- Travel rewards credit card

- Cash back credit card

- Preferred Rewards program

- No foreign transaction fees

- Airline incidental credit

- Visa Signature benefits

- Global Entry/TSA PreCheck credit

- Flexible redemption options

- Purchase protection

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## Questions with Perfect Answers

**Q: Kya Bank of America Premium Rewards Card ke points expire hote hain?**  

**A**: Nahi, jab tak aapka account active hai, aapke points expire nahi hote. Ye flexibility is card ko aur bhi attractive banati hai.[](https://money.usnews.com/credit-cards/bank-of-america)

**Q: Is card ke saath kya travel benefits milte hain?**  

**A**: Aapko up to $100 airline incidental credit, up to $100 Global Entry/TSA PreCheck credit, aur Visa Signature Luxury Hotel Collection perks milte hain, jaise room upgrades aur late checkout.[](https://www.bankrate.com/credit-cards/rewards/bank-of-america-travel-rewards-guide/)

**Q: Preferred Rewards program ke bina bhi kya ye card worth it hai?**  

**A**: Haan, $95 annual fee ke liye aapko solid rewards rates, airline credits, aur travel protections milte hain. Lekin Preferred Rewards members ko 25-75% bonus rewards milta hai, jo iski value aur badha deta hai.[](https://www.bankrate.com/credit-cards/reviews/bank-of-america-premium-rewards-credit-card/)

**Q: Kya ye card small business owners ke liye acha hai?**  

**A**: Ye card personal use ke liye design kiya gaya hai, lekin agar aap travel aur dining pe kharch karte hain, toh iske rewards aur protections small business owners ke liye bhi useful ho sakte hain.[](https://thepointsguy.com/credit-cards/reviews/credit-card-review-bank-of-america-premium-rewards/)

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## Conclusion: Kya Ye Card Aapke Liye Hai?

Bank of America Premium Rewards Card ek versatile aur value-packed option hai, especially agar aap travel aur dining pe kharch karte hain ya Bank of America Preferred Rewards program ke member hain. Iska $95 annual fee iske benefits – jaise airline credits, no foreign transaction fees, aur flexible rewards – ke saamne bilkul justified hai. Agar aap ek aisa card chahte hain jo aapke lifestyle ko complement kare aur solid rewards de, toh ye card definitely consider karne layak hai.

Toh kya soch rahe hain? Abhi apply kijiye aur apne rewards journey ko shuru kijiye! Agar aapke koi aur questions hain, toh comment section mein pooch sakte hain. 😊

**Sources**:  

- Bank of America Official Website[](https://www.bankofamerica.com/credit-cards/products/premium-rewards-credit-card/)

- NerdWallet[](https://www.nerdwallet.com/reviews/credit-cards/bank-of-america-premium-rewards)

- Bankrate[](https://pbigaem.fs.ml.com/solutions/credit-cards.html)[](https://www.bankrate.com/credit-cards/issuers/bank-of-america-purchase-protection-guide/)[](https://www.bankrate.com/credit-cards/rewards/bank-of-america-travel-rewards-guide/)

- The Points Guy[](https://thepointsguy.com/credit-cards/reviews/credit-card-review-bank-of-america-premium-rewards/)

- Forbes Advisor[](https://www.forbes.com/advisor/credit-cards/reviews/bank-of-america-premium-rewards/)

- US News[](https://money.usnews.com/credit-cards/bank-of-america)