Bank of America Premium Rewards sign-up bonus: current offer vs. all-time high

AT RECORD

Bank of America Premium Rewards (Bank of America, personal card, annual fee $95): the current public offer is 60,000 points ($600 value) after $4,000 spend in 90 days (spend $4,000 within 90 days). The all-time high is 60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit. Today's offer is at its all-time high (elevated right now). Last checked 2026-10-16. Issuer rules that apply: BofA 2/3/4 (community-reported).

By TK · Updated 2026-10-16

Current offer

60,000 points ($600 value) after $4,000 spend in 90 days

Annual fee: $95 · Issuer: Bank of America · Earns points

Apply on Bank of America's site →

Confirm the offer shown on the issuer page before applying.

Offer vs. all-time high

All-time high: 60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit

Current offer is 100% of the record.

Can I get this bonus?

BofA 2/3/4 (community-reported): Community-reported guideline: max 2 new BofA cards per 2 months, 3 per 12 months, 4 per 24 months. Not published by the issuer; treat as approximate.

Run the eligibility checker → · Can I afford the minimum spend? · All issuer rules

Frequently asked questions

What is the current Bank of America Premium Rewards sign-up bonus?

60,000 points ($600 value) after $4,000 spend in 90 days, as of 2026-10-16.

What is the highest Bank of America Premium Rewards bonus ever?

60,000 points after $4,000 (since Jun 2023; up from 50,000 at 2017 launch) per Doctor of Credit.

Is the Bank of America Premium Rewards bonus elevated right now?

The current offer is at its all-time high (elevated right now).

How much do I need to spend for the Bank of America Premium Rewards bonus?

$4,000 within 90 days of account opening, per the current offer.

Who is eligible for the Bank of America Premium Rewards bonus?

Community-reported guideline: max 2 new BofA cards per 2 months, 3 per 12 months, 4 per 24 months. Not published by the issuer; treat as approximate.

Verification

Verified against the issuer's page on 2026-10-16. Offer 60,000 online bonus points/$4,000/90 days and $95 fee match the issuer page (read 2026-10-16). Methodology.

Sources

Related card bonuses

Atmos Rewards Ascent Visa (Alaska Airlines): 50,000 points + $99 Companion Fare after $1,500 spend in 90 days
Bank of America Customized Cash Rewards: $200 after $1,000 spend in 90 days
Bank of America Travel Rewards: 25,000 points ($250 value) after $1,000 spend in 90 days
American Express Gold Card: As high as 100,000 points after $8,000 spend in 6 months (offer varies)

More: all Bank of America card bonuses · best travel card bonuses · elevated offers right now