Bank of America・Visa・No.028
With BofA Rewards Premier status ($1M+ in assets), 2.625% on all spend is among the highest flat rates on the market; Preferred Honors ($100K+) earns 2.25%.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: bankofamerica.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for BofA customers with $1M+ in BofA/Merrill assets (Premier) wanting a top flat rate; $100K+ (Preferred Honors) earns 2.25%.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Yes, $95 per year.
No foreign transaction fees, so it works well overseas.
Best for high-asset customers with a Bank of America personal checking account enrolled in BofA Rewards. BofA Rewards replaced Preferred Rewards in May 2026, and the old Platinum Honors tier is now Preferred Honors ($100K+, 50% boost), earning 2.25% on everything and 3x on travel and dining. The top 2.625% on everything and 3.5x on travel and dining requires Premier ($1M+ in combined BofA deposits and Merrill investments, 75% boost), one of the highest flat rates available. The boost does not apply to the welcome bonus. Members who enrolled in Preferred Rewards before May 26, 2026 may have an extended card benefit; log in to check.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.