# Bank of America® Premium Rewards® Credit Card Cashback — Compare Rates Across 1 Cashback Portals

> GotCashback.com tracks Bank of America® Premium Rewards® Credit Card cashback rates across 1 cashback portals, updated 2026-10-07T21:56:14Z. Current best rate: **$400 back** via **Rakuten**. This page is the agent-readable version of https://www.gotcashback.com/Stores/Bank-of-America®-Premium-Rewards®-Credit-Card/.

- Canonical HTML page: https://www.gotcashback.com/Stores/Bank-of-America®-Premium-Rewards®-Credit-Card/
- Data freshness: rates last checked 2026-10-07T21:56:14Z; rates change frequently — treat values older than 24 hours as stale and re-fetch.
- All rates apply to online purchases initiated through the portal's tracking link unless noted otherwise.

Compare Bank of America® Premium Rewards® Credit Card cashback across 1 portal: Rakuten $400 back. Updated 7 Oct 2026.

## Best Current Rate

| Field | Value |
|---|---|
| Best rate | $400 |
| Portal | [Rakuten](https://www.gotcashback.com/Portals/rakuten/) |
| Rate type | flat |
| Cashback link | https://www.gotcashback.com/Click/rakuten/Bank-of-America®-Premium-Rewards®-Credit-Card/ |

## All Portal Rates

Sorted by cashback rate, highest first. Use the "Cashback link" URL to activate rate comparison and tracking.

| Portal | Cashback rate | End date | Conditions | Cashback link |
|---|---|---|---|---|
| [Rakuten](https://www.gotcashback.com/Portals/rakuten/) | $400 | — | — | https://www.gotcashback.com/Click/rakuten/Bank-of-America®-Premium-Rewards®-Credit-Card/ |

## Rate History

Chart-ready JSON with historical best rates per portal:

- Last 12 months: https://www.gotcashback.com/Stores/Bank-of-America®-Premium-Rewards®-Credit-Card/History/Json/year/
- Last 30 days: https://www.gotcashback.com/Stores/Bank-of-America®-Premium-Rewards®-Credit-Card/History/Json/month/

## Terms & Exclusions

Common conditions for cashback (verify per portal before purchase):

- Cashback typically applies to orders initiated through the portal's tracking link; in-store offers, where available, are listed separately above.
- Gift card purchases usually do not earn cashback.
- Cashback is voided if another browser extension or coupon code claims the affiliate attribution.
- Tracking requires clicking through the portal link with ad/tracker blocking disabled.
- Portal-specific conditions are listed in the "Conditions" column above.

## How It Works

1. Compare rates in the tables above and pick a portal.
2. Follow the cashback link, sign in (or register) at the portal, and click through to Bank of America® Premium Rewards® Credit Card from the portal.
3. Complete your purchase in the same session without visiting other coupon sites.
4. Cashback tracks in your portal account and becomes withdrawable after the portal's payout waiting period.

## Ask AI or Telegram

- AI assistants can query live cashback rates for this store via the [GotCashback MCP Server](https://mcp.gotcashback.com) — setup guide: https://www.gotcashback.com/mcp-server/
- [Ask the Telegram bot](https://t.me/GotCashbackBot?start=s_6997005_cb): opens @GotCashbackBot with this store's cashback rates.

GotCashback.com compares cashback rates across 113 cashback portals in 42 countries worldwide, including 40 portals and 32184 stores in the United States. Founded in 2020; operated by MNP Enterprises, LLC.

## FAQ

**How can I earn Bank of America® Premium Rewards® Credit Card cashback through cashback portals?**
Start at a participating cashback portal, such as SimplyBestCoupons.com, search for the retailer, activate the available cashback offer, and complete your purchase through the tracked link. Pay with your Bank of America® Premium Rewards® Credit Card to potentially earn both portal cashback and the card’s rewards points, subject to the portal, retailer, and card terms.

**Can I stack Bank of America® Premium Rewards® Credit Card rewards with cashback portal offers?**
In many cases, yes. You may be able to earn cashback from a portal while also earning Bank of America® Premium Rewards® Credit Card points on the purchase. However, some merchants, coupon codes, payment methods, or promotional terms may limit stacking, so review the offer details before buying.

**Does the Bank of America® Premium Rewards® Credit Card earn cashback or points?**
The Bank of America® Premium Rewards® Credit Card generally earns points rather than traditional cashback. Those points may be redeemable for options such as statement credits, travel, gift cards, or other eligible rewards, depending on the current Bank of America program terms.

**How many rewards points does the Bank of America® Premium Rewards® Credit Card earn?**
The card’s standard earning structure may include 2 points per dollar on eligible travel and dining purchases and 1.5 points per dollar on other purchases. Eligible Bank of America Preferred Rewards® members may receive a rewards bonus. Check the current card agreement because earning rates and eligible categories can change.

**Can I earn Bank of America® Premium Rewards® Credit Card cashback on every cashback portal purchase?**
You may earn card rewards on eligible purchases, but portal cashback is not guaranteed on every transaction. A purchase can be excluded because of product restrictions, returns, cancellations, unsupported payment methods, unauthorized coupons, or failure to follow the portal’s tracking requirements.

**Which cashback portals work with the Bank of America® Premium Rewards® Credit Card?**
The card can generally be used at retailers featured on many cashback portals, including portals such as SimplyBestCoupons.com, when the retailer accepts the card. The portal’s retailer-specific terms determine whether cashback is available, while Bank of America’s card terms determine the points earned.

**How do I activate cashback before using my Bank of America® Premium Rewards® Credit Card?**
Log in to the cashback portal, find the participating retailer, and click the portal’s activation or shopping link. Complete the purchase in the same browser session without using conflicting coupon extensions or links. Then use your Bank of America® Premium Rewards® Credit Card at checkout if it is an eligible payment method.

**How long does Bank of America® Premium Rewards® Credit Card cashback take to track?**
Portal transactions may appear as pending within minutes or several days, depending on the retailer. The cashback may remain pending until the retailer confirms that the purchase was completed and is not returned or canceled. Card points typically appear according to Bank of America’s normal rewards-posting schedule.

**Why did my Bank of America® Premium Rewards® Credit Card cashback not track?**
Common causes include starting outside the portal, using another shopping link, disabling cookies, using an ad blocker, applying an unauthorized coupon, purchasing excluded items, returning the order, or paying with an unsupported method. Contact the portal’s support team with your order details if the transaction does not appear within the stated tracking period.

**Can I submit a missing cashback claim for a Bank of America® Premium Rewards® Credit Card purchase?**
Usually, you can submit a missing cashback claim through the portal’s support or help center. Provide the retailer, order date, order number, purchase amount, and any requested documentation. The portal may investigate the claim, but approval is subject to retailer confirmation and the portal’s terms.

**Do returns affect Bank of America® Premium Rewards® Credit Card cashback?**
Yes. A full or partial return can cause portal cashback to be reversed or reduced. Bank of America may also adjust or remove points associated with refunded purchases. Review both the portal’s return policy and the card’s rewards agreement for details.

**Can I use coupon codes and still earn Bank of America® Premium Rewards® Credit Card cashback?**
You may be able to use coupon codes, but only codes listed or approved by the cashback portal may qualify for portal cashback. A code from another website can overwrite tracking or disqualify the transaction. Using the Bank of America® Premium Rewards® Credit Card does not override the retailer’s coupon restrictions.

**Can I earn Bank of America® Premium Rewards® Credit Card cashback on travel purchases through a portal?**
You may earn portal cashback on eligible travel bookings and card points on qualifying travel purchases. Travel portals and retailers often exclude taxes, fees, gift cards, insurance, canceled bookings, or certain airlines and hotels. Check the specific offer terms before booking.

**Can I earn extra Bank of America® Premium Rewards® Credit Card rewards through a cashback portal during a promotion?**
A portal may offer increased cashback for a limited time, while Bank of America may separately offer card-linked promotions or bonus opportunities. These offers can sometimes be combined, but eligibility, enrollment, purchase categories, and transaction limits vary. Read each promotion’s terms carefully.

**Does using a digital wallet affect Bank of America® Premium Rewards® Credit Card cashback?**
A digital wallet may still earn Bank of America card rewards if the transaction is eligible, but portal cashback depends on the retailer and portal’s rules. Some portals or merchants may not support certain wallet checkouts for tracking, so use the payment method specified in the offer terms.

**Can I earn Bank of America® Premium Rewards® Credit Card cashback on gift card purchases?**
Gift card purchases are frequently excluded from portal cashback, and some may not qualify for promotional rewards. Card points may also vary based on the merchant and transaction classification. Always check the portal’s exclusions and the card’s rewards terms before purchasing gift cards.

**Are taxes and shipping included in Bank of America® Premium Rewards® Credit Card cashback calculations?**
Cashback portals commonly calculate rewards on the eligible merchandise subtotal and exclude taxes, shipping, handling, service fees, and other charges. The card may earn points on a different eligible transaction amount. The retailer’s portal terms control the cashback calculation.

**Is Bank of America® Premium Rewards® Credit Card cashback taxable?**
Rewards earned from purchases are generally treated as rebates rather than taxable income in many situations. However, tax treatment can vary, especially for bonuses, referrals, or rewards not tied directly to a purchase. Consult a qualified tax professional for advice about your circumstances.

**How can I maximize Bank of America® Premium Rewards® Credit Card cashback with cashback portals?**
Compare portal rates before shopping, activate the highest eligible offer, use an approved coupon, avoid conflicting shopping extensions, keep receipts, and pay with the card when permitted. For travel and dining, consider whether the purchase qualifies for the card’s bonus category and whether you qualify for a Preferred Rewards® bonus.

**What should I do if a cashback portal and Bank of America show different reward amounts?**
The portal and Bank of America calculate rewards independently and may use different eligible amounts, category definitions, and posting timelines. Confirm the transaction details, wait through the stated processing period, and contact the appropriate provider: the portal for missing portal cashback and Bank of America for missing card points.

**Where can I find the official terms for Bank of America® Premium Rewards® Credit Card cashback?**
Review the current Bank of America® Premium Rewards® Credit Card pricing and rewards disclosures, the Bank of America Preferred Rewards® terms if applicable, and the cashback portal’s retailer-specific offer terms. These documents contain the most accurate information about earning rates, exclusions, redemption options, and eligibility.

## Related

- All stores index (HTML): https://www.gotcashback.com/Stores/
- Site index for agents: https://www.gotcashback.com/llms.txt

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