The Bank of America Premium Rewards is a personal credit card from Bank of America Premium Rewards. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 17.49%–27.49% variable. Approval typically requires a credit score of 700+ or higher. Rewards: 2x points on travel and dining, 1.5x on everything else. $100 airline incidental statement credit. Global Entry/TSA Pre credit. Up to 60,000 bonus points.. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Bank of America enforces a 2/3/4 rule (max 2 cards in 2 months, 3 in 12 months, 4 in 24 months) and a 7/12 rule for prior BoA cards specifically (max 7 BoA cards in 12 months). Preferred Rewards members (qualifying balances at BoA/Merrill) get 25-75% rewards bonuses on every card..