Bank of America Premium Rewards Elite

1. Airline

   1 perk$300 a year

   Yearly valueEffortSkip

   1. Airline incidental credit, up to $300 a year

      Details about Airline incidental credit, up to $300 a year
      $a year?Pays $300 each calendar year.

      Takes some planning
      Skip Airline incidental credit, up to $300 a year

      Pay airline fees with the card: checked bags, seat upgrades, change fees, in-flight entertainment or food, or airline lounge fees. The credit posts in 2 to 3 weeks.

      Only on flights that start in the U.S., with U.S. airlines other than Allegiant, Spirit and Sun Country. Tickets don't count.

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2. Travel

   3 perks$180 a year

   Yearly valueEffortSkip

   1. TSA PreCheck or Global Entry credit, up to $120

      Details about TSA PreCheck or Global Entry credit, up to $120
      $a year?Pays $120 once every 4 years. You can use all $120 in year one.

      Easy to use
      Skip TSA PreCheck or Global Entry credit, up to $120

      Pay the TSA PreCheckFaster US airport security lines where you can usually keep your shoes on and your laptop in your bag. Many cards pay the fee. Glossary or Global Entry application fee with the card; the credit posts in 2 to 3 weeks.

      Up to $120 per account, once every four years.

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   2. Priority Pass Select, up to 4 memberships

      Details about Priority Pass Select, up to 4 memberships
      $a year?$30 a visit × 5 visits. How we value lounges: we assume 5 airport lounge visits a year. We split them by how many airports have this card's own lounges versus Priority Pass lounges. Each visit is worth $40 in a premium lounge and $30 in a Priority Pass lounge (PerkSensei estimates, below what a guest pass costs). Fly more or less? Change your visits in Settings or with Edit on this perk.PerkSensei estimate

      Easy to use
      Skip Priority Pass Select, up to 4 memberships

      Priority PassA membership that gets you into a worldwide network of airport lounges. Many premium cards include it. Glossary is a network of airport lounges. Enroll yourself and up to three other people; each gets a digital Priority Pass card.

      Lounges may limit guests when they are busy. Memberships renew each year while you hold the card.

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   3. 20% off airfare paid with points

      Details about 20% off airfare paid with points
      $a year

      Takes some planning
      Skip 20% off airfare paid with points

      Book the flight with points at bankofamerica.com/travel or through the concierge: 80,000 points pay for a $1,000 fare.

      Only the part you pay with points gets the discount, and only fares the Bank of America Travel Center shows.

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3. Entertainment

   1 perk$150 a year

   Yearly valueEffortSkip

   1. Lifestyle credit, up to $150 a year

      Details about Lifestyle credit, up to $150 a year
      $a year?Pays $150 each calendar year.

      Easy to use
      Skip Lifestyle credit, up to $150 a year

      Pay for rideshare, food delivery, video streaming or fitness with the card; the credit posts in 2 to 3 weeks.

      Only at select merchants in those four kinds, as Bank of America decides.

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4. Protection and insurance

   6 perks$0 a year

   Yearly valueEffortSkip

   1. Primary rental car cover, up to $75,000

      Details about Primary rental car cover, up to $75,000
      $a year

      Takes some planning
      Skip Primary rental car cover, up to $75,000

      Decline the rental company's collision insurance and pay the whole rental with the card.

      Covers collision damage or theft, up to the car's cash value; not liability.

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   2. Trip delay, 6+ hours or overnight, up to $500 per ticket

      Details about Trip delay, 6+ hours or overnight, up to $500 per ticket
      $a year

      Hard to use
      Skip Trip delay, 6+ hours or overnight, up to $500 per ticket

      Pay the fare with the card and keep receipts for what you spend during the delay.

      Covers reasonable expenses for you and eligible family members.

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   3. Trip cancellation and interruption

      Details about Trip cancellation and interruption
      $a year

      Hard to use
      Skip Trip cancellation and interruption

      Pay the fare with the card; file a claim if a covered reason cancels or cuts the trip short.

      Covers the passenger fare. Bank of America's page gives no limits or covered reasons; details come with your card.

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   4. Baggage delay

      Details about Baggage delay
      $a year

      Hard to use
      Skip Baggage delay

      Keep receipts for essentials you buy while your bag is delayed on a trip paid with the card.

      Essentials you buy while your bag is late, after other insurance pays. Bank of America's page gives no limits.

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   5. Lost luggage reimbursement

      Details about Lost luggage reimbursement
      $a year

      Hard to use
      Skip Lost luggage reimbursement

      Pay for the trip with the card and file a claim if the carrier loses your bag or it is stolen.

      Bank of America's page gives no limits; details come with your card.

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   6. Emergency evacuation, up to $100,000

      Details about Emergency evacuation, up to $100,000
      $a year

      Hard to use
      Skip Emergency evacuation, up to $100,000

      Call the benefit administrator if you or a family member is hurt or sick on a trip far from home.

      Covers evacuation costs for you and your immediate family.

      bankofamerica.com

Total if you use every unticked perk$630 a year