The Bank of America Premium Rewards card offers 60,000 online bonus points after $4,000 in purchases in the first 90 days, for a $95 annual fee, and Rakuten regularly adds a cash back payout on top when you’re approved through its card page. That Rakuten amount moves around a lot, sometimes a few hundred dollars, so check the number on the page right before you apply. Sign in to Rakuten, click through from the card’s store page, apply in that same browser session, and keep the card open at least three months so the payout sticks. Time it with a portal bump and it’s an easy win on a $95 card.
Bank of America Premium Rewards: 60,000 Points Plus a Rakuten Bonus
The Bank of America Premium Rewards card offers 60,000 online bonus points after $4,000 in purchases in the first 90 days, for a $95 annual fee, and Rakuten regularly adds a cash back payout on top when you’re approved through its card page. That Rakuten amount moves around a lot, sometimes a few hundred dollars,…

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