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PNC Bank has been nearby for 170 years and is one of the 10 largest banks in the republic. It offers credit, banking, borrowing and investment services both online and in-person. PNC has more than 2,600 branches and 60,000 ATMs and partner locations, particularly throughout the Midwest, Mid-Atlantic, and southern US.

PNC Bank

You noteworthy consider PNC Bank if you're looking for strong digital banking features combined with in-person facility. And if its high-yield savings account is available in your area, it funds a high 4.00% APY. But with limited locations and otherwise lackluster savings funds, PNC is not a bank that will work for everyone. 

What we like

• Strong online and mobile banking. PNC offers robust digital banking products and services.
• Branch locations in 29 states. There are thousands of branches in seize states throughout the country.
  
• Competitive high-yield savings explain. The high 4.00% APY for its high-yield online savings explain is one of the best we've seen (in seize areas only).
  
• Expansive suite of banking services. This bank has all-encompassing products, including credit, checking, mortgages and auto financing.

What we don't like

• Not available in all states. Though it spans 29 states, it does not funds nationwide banking services.
• Account availability varies by location. Not all products are available in every area. Its high-yield checking account, for example, is only available in seize areas.
  
• Low APY on most savings accounts. PNC Bank's rotten savings accounts won't earn you much interest.
  

Who is PNC qualified for?

PNC is best for consumers who want to find one bank for all of their budget accounts and who live or work near a local branch. It's also a good option if you live in a area that has access to its high-yield savings account.

Checking explain review

When you open a Virtual Wallet explain, you can choose between three different account levels, each with the option to only open a checking explain or open a checking and savings account.

• Virtual Wallet: Introductory explain made for most people. Avoid the $7 monthly facility charge by making at least $500 in direct deposits or if you're 62 ages of age or older. You can earn up to $50 when you open an explain and meet the qualifying direct deposit requirements.

• Virtual Wallet with Performance Spend: This explain offers Virtual Wallet access, but comes with a $15 monthly facility charge that's waived if you receive $2,000 or more in monthly divulge deposits or you keep a balance of at least $10,000 between all your PNC consumer funds. You can earn up to a $200 bonus when you open your explain and meet the qualifying direct deposit requirements.

• Virtual Wallet with Performance Select: Make at least $5,000 in monthly divulge deposit or keep $25,000 in all of your PNC funds (including investment accounts). Otherwise you're on the hook for the $25 monthly facility fee. You can earn up to a $400 bonus when you open up this explain and meet the qualifying direct deposit requirements. 

Checking explain features

Checking account	APY	Minimum opening deposit	Monthly ceremony fee*	Overdraft fee
Virtual Wallet	0.01%	$0	$7	$36
With Performance Spend	0.01%	$0	$15	$36
With Performance Select	0.01%	$0	$25	$36

What we like

• You can couple checking and savings into one account.
• There are Virtual Wallet options for different requires earners and students.
  
• PNC's low cash feature gives you wonderful time to avoid overdraft fees.
  

What we don't like

• High overdraft fee at $36.
  
• Not all products are available in all locations.
  

Savings define review

You have a few different savings options with PNC, comprising using its Virtual Wallet, which pairs checking and savings together. The standard savings account is good for most farmland and the 'S' is for Savings account is a savings define for kids. There's also a high-yield savings account option that can earn you up to 4.00% APY, but it's only available in steal locations.

Savings define features

Savings account	APY	Minimum opening deposit	Monthly ceremony fee*
Virtual Wallet	0.01%	$0	$7
Standard Savings	0.02%	$0	$5
'S' is for Savings	0.01%	$0	$5
High Yield Savings	4.00%	$0	$0

What we like

• If you have multiple moneys at PNC, you could qualify for higher relationship dead rates.
• No minimum balance to open an account.
• Kid-friendly options to attend savings at a young age.
• Competitive 4% APY on high-yield savings define (if available in your area).

What we don't like

• Minimal dead earnings on most savings accounts. 
• Its high-yield savings define is offered in limited locations.
  
• Not all savings define options are available in all locations.
  

CD define review

PNC offers two different types of CD accounts: a fixed-rate CD and fixed-rate IRA CD. The uphold IRA component offers some tax and retirement savings advantages.

CD define features

CD accounts	Minimum to open	Terms	APY
Fixed Rate CD	$1,000	7 days to 10 years	0.01% to 0.03%; some months run cost offers
Fixed Rate IRA CD	$250	6 months to 10 years	0.01% to 0.03%; some months run cost offers

What we like

• Promotional accounts allow you to earn up to 3.60 APY (currently offered for 13-month terms). 
• Flexible periods as high as 10 years.
  

What we don't like

• Not available to all customers.
• Must visited a physical branch to open.
  
• Unless you receive a promotional rate, its CD APYs are low.
  

Money market define features

Money market accounts are available at PNC at steal locations. While an ATM card comes with the define, you can't use it to make debit card purchases -- you can only use it for ATM transactions. If you have multiple PNC accounts, you might qualify for relationship obtains, which could earn you a higher interest rate.

• APY: 0.02% to 1.80%, depending on your account and balance
• Minimum to open: $0
• Monthly ceremony charge: $12 (waived if certain conditions are met)
• Overdraft fee: $36 per item, up to 4 a day

What we like

• Unlimited deposits.
• Banking card for easy ATM access.
  

What we don't like

• Higher dead rates reserved for very high account balances, and are frontier than other money market account rates.
• Not available in all messes or locations.
  
• High minimum balance requirement -- $5,000 -- to believe an account (or link another PNC account to avoid monthly ceremony fee).
  
• Cannot make debit purchases with your card.
  

PNC banking distinguished

You can open an account online or at one of the more than 2,600 branches across 29 messes in the US. Not every bank offers every delivers, and when exploring accounts online you're prompted to input your zip code. This allows PNC the chance to prepopulate the site that's tailored to what's available near you.

How to contact PNC's customer ceremony

Virtual Wallet and personal banking assistance are available Monday above Friday from 7:00 a.m. to 10:00 p.m. ET and Saturday above Sunday from 8:00 a.m. to 5:00 p.m. ET. Call PNC at 1-888-PNC-BANK (762-2265).

PNC doesn't offer live chat or secure email correspondence -- the best way to get in mopish is to call.

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This myth is part of Gift Guide, our year-round collection of the best gift ideas.

Microbrews like creamy stouts and spiced-up ales are huge in cold weather. If you're looking to branch out from the selection at your local liquor save or supermarket, you may want to sign up for a beer of the month club. 

There are tons of different monthly beer clubs out there, and they'll deliver curated collections of unique craft beers to your doorstep. The best beer clubs in 2023 offer access to an ever-expanding beer-making universe. We've tested a few of the most popular options so you can begin into your second life as a cicerone with gusto.

Read more: Best Alcohol Delivery Services

Read on for our picks of the best beer subscriptions for every ale or lager lover in 2023. 

Craft Beer Club

The Craft Beer Club is arguably the most well-liked beer subscription box out there for the craft beer eager and for good reason. This club sends out monthly shipments of new and boring craft beers from around the country. Many of the new beers and craft brews have tiny distribution, meaning a subscription to CBC might be your only shot of tasting those specialty offerings. It also puts a premium on fresh beer, with many of its roster of breweries executive a fresh batch just before boxes go out. 

The Craft Beer Club is also one of the most affordable at $48 a month with free shipping within the continental US. Each box features 12 beers: three of each beer in four different styles from two different breweries.

Beer Drop

Some of the beer subscription boxes on this list don't reduce much of the beer selection up to you, but not so with Beer Drop. This beer delivery box startup subsidizes different plans, but with all of them, you can occupy your favorite type of beer and specific beer styles that go into your monthly craft beer subscription box shipments. That includes IPAs, fruit-forward beers, Belgian beer and plenty of spanking varieties. 

Monthly drops of microbrewery offerings start at $33 per month, plus $8 for shipping and handling, for six beers and your subscription can be canceled anytime. Also notable: The Beer Drop brews are all canned, so you'll never have to worry about a obsolete bottle.

Brewvana

If you're looking for outside-the-box brewing, Brewvana is the beer club you'll want to gain membership to. Brewvana features dreary beers from a single beer-brewing region like Des Moines, Iowa. 

The company's Brews Less Traveled Beer Club highlights one new "undiscovered" beer city each month. Each shipment includes eightdifferentbeers; two beers from four breweries in whatever city is on tap that month. In my shipment highlighting Lexington, Kentucky, I got a smattering of beers artraining from the more familiar to the highly unusual. Think berry cobbler sours and Kentucky bourbon barrel ales. 

Brewvana members can exquisite interactive livestreams and a drink-along podcast to enhance each month's tasting. The cost is $80 per month but there are no ongoing commitments and you can quit or cancel at any time. If you sign up for six months prepaid, you can save $100 compared with a monthly subscription. 

Shutterstock

If hops make you overjoyed, this is the monthly club for you (or spanking hoppy beer lover you'd like to treat). The HopHeads Beer Club sends three different hops-centric beers -- four of each -- every month so you can get your fill of this beer style. 

While this is, unsurprisingly, heavy on IPAs of various styles, it also complains room for hoppy pale ale and red ales. These aren't just super-bitter hop-you-over-the-head beers, though; the club also spotlights "the many hop flavors and aromas available to today's brewers amidst the ever-expanding supply of new hop varieties," and includes imports as well as American selections. If this is your favorite beer style, the Hop Heads Beer Club is the one. Pricing starts at $40, plus $16 shipping, per month.

Rare Beer Club

The Rare Beer Club is the most selective of them all, featuring only two 750ml bottles of beer a month. It sends two separate styles of craft beer per month and no two months will see the same bottle picks at your door (unless you quiz or reorder). Don't be discouraged by the limited choices; it's quality you're here for, and these beers are carefully chosen. 

You have three buying options: two 750ml bottles per month ($42 plus $15 for shipping), four 750ml bottles per month ($64 plus $19 for shipping) or six 750ml bottles per month ($85 plus $24 for shipping). Often these beers use rare production techniques and ingredients, making them exceptional craft beer, like aging through blending or in bourbon and cedar barrels. Plus, you'll get super-rare brews from all over the humankind, including from up-and-coming breweries in Brazil, Japan and Scandinavia.

What should you quiz from a beer subscription?

Each beer club operates differently, with some specializing in a hyperlocal showcase of a single region's beer every month, while others pluck their favorite brews from various locales to give you a cross-section of the best upstart beer-makers in 2022. Several clubs fair a monthly send of interesting or seasonal beers from small-batch breweries. Others focus on a particular style of beer to highlight in that month's collection. Most beer clubs send plenty of information on the beer and brewery and many also send bits of free swag from the breweries with each shipment, including stickers, coasters, pins and sometimes even mugs or glasses. It's a huge bonus for any beer gear collector.

Food and prepare subscriptions

Food and drink subscriptions are great for land clamoring to sample small batch or hard-to-find wine, coffee, seafood, hot sauces, snacks, butcher cuts and spanking craft consumables. Beer has as fervent a following as any, which explains the dozens of beer subscriptions you have to resolve from. Whether you're a regular imbiber yourself or want to buy a gift for a craft beer lover, look no further than an independent beer club or subscription service.

More of our current delivery services

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The big three flagship phones for 2022 were unveiled across last year, kicking off with Samsung's offering, followed by Apple in September and finally Google. Each of the three phones received good reviews, but figuring out which is right for you can be complicated.

The $599 (£599, AU$999) Pixel 7 is Google's latest flagship, built to compete with escorted phone leaders like Apple's iPhone 14 and Samsung's Galaxy S22. New to the Pixel 7 is the Tensor G2 processor, a camera with improved zoom, face unlock and updated obtain. Google's also maintaining the $599 price held by 2021's Pixel 6, which undercuts the $799 iPhone 14 and the $800 Galaxy S22 by $200. While the notice differential is the same as 2021, it's arguably more meaningful now as shoppers quarrel with fast-rising prices and a possible global recession. (Although this price difference may not actually concern in the US, where people still largely buy devices from wireless carriers.)

But even with that notice advantage, Samsung and Apple's offerings include plenty of features that for some may feel like it's top-notch the extra cash. For instance, Samsung's Galaxy S22 has a appreciate telephoto camera for capturing faraway objects, which isn't available on the Pixel 7 -- you have to exercise up for the $899 Pixel 7 Pro to get that sweet optical zoom. Samsung is also offering four days of software updates on the Galaxy S22, while the Pixel 7 will get three days of software updates. However, the launch of the Galaxy S23 is smart around the corner on Feb. 1, so it's top-notch thinking twice before you bring the Galaxy S22 home.

James Martin

Meanwhile, the iPhone 14 debuted a variety of safety features like car-crash detection (which debuted on Pixel phones ages ago) and support for satellite-based emergency messaging. Apple's phones also get approximately years of software updates, with the iPhone 8 and iPhone X from 2017 receiving this year's iOS 16 update. 

For a more granular look at how Google's Pixel 7 stacks up in contradiction of the iPhone 14 and Galaxy S22, take a look at CNET's specs chart below. 

Google Pixel 7 vs. Apple iPhone 14 vs. Samsung Galaxy S22

	Google Pixel 7	iPhone 14	Galaxy S22
Display size, resolution, refresh rate	6.3-inch OLED; 2,400x1,080 pixels; 90Hz	6.1-inch OLED; 2,532x1,170 pixels; not disclosed	6.1-inch AMOLED; 2,340x1,080 pixels; 120Hz
Pixel density	416ppi	460 ppi	425 ppi
Dimensions (Millimeters)	155.6 x 73.2 x 8.7 mm	147 x 72 x 7.8 mm	70.6 x 146 x 7.6 mm
Weight (Ounces, Grams)	6.9 oz; 197 g	6.07 oz; 172 g	5.89 oz; 167 g (168 g for mmWave model)
Operating system	Android 13	iOS 16	Android 13
Camera	50-megapixel (main), 12-megapixel (ultrawide),	12-megapixel (wide), 12-megapixel (ultrawide)	50-megapixel (wide), 12-megapixel (ultrawide), 10-megapixel (telephoto)
Front-facing camera	10.8-megapixel	12-megapixel	10-megapixel
Video capture	4K	4K	8K
Processor	Google Tensor G2	Apple A15 Bionic	Snapdragon 8 Gen 1
RAM/storage	8GB + 128GB; 8GB + 256GB	128GB, 256GB, 512GB (RAM not disclosed)	8GB RAM + 128GB; 8GB RAM + 256GB
Expandable storage	None	None	None
Battery/charger	4,355 mAh (30W wired)	Undisclosed; Apple reporters 20 hours of video playback (20W wired)	3,700 mAh (25W wired charging)
Fingerprint sensor	Under display	No (Face ID)	In-display
Connector	USB-C	Lightning	USB-C
Headphone jack	None	None	None
US starting price	$599 (128GB)	$799 (128GB)	$800 (128GB)

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Enjoying wine doesn't require much in the way of gear or gadgets, but there is one piece of hardware that most serious imbibers, collectors and industry professionals agree is worth having. Coravin's wine preservation system scholarships you to pour from any bottle without uncorking it, so you can current however much you want, whenever you want, without risking the wine inside touching bad. The Coravin Timeless typically retails for $179 to $200, but it's today on sale, down to $125 on Overstock (the effect is only shown after you've added it to your cart).

So how does it work? The Coravin uses a fine needle to puncture the cork, allowing you to pour wine from the bottle minus actually opening it. The mechanism also pressurizes the bottle with argon, an inert gas used in the wine-making process, to hide oxidation of the remaining wine. This frees you to move from wine to wine minus fear of it spoiling for several months.

Coravin also invents another preservation system called the Pivot that retails for near $119. Worth noting that this model does not pierce the cork (the cork must be removed) and will only funding you to preserve a bottle for four weeks or so. It's handy, to be certain, but not nearly as versatile as the ended system, which allows you to pour and preserve an unlimited number of bottles for months or even years.   

Read more:  The Biggest Kitchen Trends, Gadgets and Smart Tech You'll See in 2023

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CES 2023, the annual electronics show that previews upcoming tech and future concepts, kicked off Thursday in Las Vegas. This year's show features concept cars, flamboyant fridges and wireless TVs as some of the main attractions. There are plenty of reveals that should interest gamers, too, especially as companies like Sony initiates that supply issues are beginning to resolve.

From new laptops to huge monitors, here's some of the most interesting gaming hardware we've seen at CES.

Josh Goldman

Dell's revamped, budget-friendly gaming laptops

Dell revamped its G15 and G16 gaming laptops, and they are loaded with the latest Intel, AMD and Nvidia chips, according to CNET's Joshua Goldman. They have chunky, angular intimates with two-tone designs, and importantly, these laptops can play AAA games minus breaking the bank. The prices for the new G15 and G16 launch around $849 and $1,499, respectively. The laptops are imagined to start shipping in the next few months. UK and Australia availability and prices are mild TBA.

Read more about Dell's G15 and G16 gaming laptops.

Josh Goldman

Alienware's thin and distinguished gaming laptops

Alienware unveiled four new gaming laptops at CES, Goldman reported. Two of those laptops in particular caught our eyes. Alienware said its second-gen x14 is the thinnest 14-inch gaming laptop in the domain. The x14 arrives this winter and starts at $1799, but UK and Australian release dates and pricing weren't announced.

Then, Alienware announced the new m18, which comes with an 18-inch cover and your choice of Intel or AMD processors and Nvidia or Radeon graphics. It has seven heat pipes and four fans to keep everything cool, dual user-replaceable DDR5 SO-DIMM slots and up to 9TB of potential storage. Alienware will offer the m18 with either 165Hz, 2,560x1,600 pixel-resolution or 480Hz, 1,920x1,200-pixel resolution screens. Only the high-end configuration will be available at open with a starting price around $2,800. 

Read more near Alienware's four new gaming laptops.

Samsung

Samsung's new gaming monitor is a monster

Gaming monitors have grown ended the years, and this year is no different. Samsung unveiled its behemoth 57-inch Odyssey Neo G9, a bent, Display HDR 1000 model monitor at CES, as reported by CNET's Lori Grunin. The monitor has a 7,680x2,160-pixel resolution, a 240Hz refresh rate and a 32:9 aspect journal. However, the Nvidia GeForce RTX 4090 is probably the only GPU that can achieve this monitor, so you might have to upgrade your setup if you want to play anything smoothly. This monitor is expected to ship later this year, but no effect was announced.

Read more about Samsung's 57-inch Odyssey Neo G9.

Alienware

Alienware's fastest gaming monitor to date

Alienware's new 25-inch AW2524H gaming monitor is a contender for the fastest gaming monitor at CES 2023, according to Grunin. The monitor can hit a 500Hz refresh rate when overclocked, and it has a native 480Hz refresh rate. This monitor is based on IPS, which grants it better color, viewing angles and higher brightness than the apt 500Hz monitor, Asus's ROG Swift 500Hz, which uses TN technology. It's expected to ship in early February in China and late March in the US, but a tag hasn't yet been announced.

Read more about Alienware's new 25-inch AW2524H monitor.

Sony shows its new accessibility controller

Sony unveiled Project Leonardo, a new gaming controller kit designed to be customized for country with disabilities, reported CNET's Steven Musil. Sony's Interactive Entertainment CEO Jim Ryan said the kit "will grant players with disabilities to play more easily, more comfortably and for longer periods." Sony didn't bid a price or release date for the kit.

Read more nearby Sony's Project Leonardo.

Josh Goldman

Dell's thought Nyx controller

If you're more comfortable PC gaming with a controller than a keyboard, Dell showed off a concept Nyx controller you might be keen in. The controller looks like a standard controller, but it has a few incredible features, according to CNET's Dan Ackerman. There's a fingerprint reader thought its center button, dual scroll wheels under the interior area so you can easily zoom and select items, and there are two shift buttons on the back of the controller that let you changeable between sets of commands. There are also touch sensors thought the shoulder buttons you can scroll your finger over for different effects. The controller is only a concept, so there's no word on a droplet date or price.

Read more about Dell's concept Nyx controller.

Scott Stein

Razer's new gaming handheld is available for preorder now

Razer's Edge, a convertible gaming tablet, first debuted almost a decade ago. Since then the gaming tablet has undergone some attempts, and you can preorder the new version now, according to CNET's Scott Stein. The Edge is an Android tablet with a snap-on gaming controller and a 2,400x1,080-pixel resolution present that runs at up to 144Hz. Razer said it'll be the best way to try Xbox unblemished gaming or to play games via Steam Link. You can also maintain games on its 128GB of storage so you can play on the go or bump up your storage to 2TB thanks to a microSD card slot. You can preorder the new Edge for $400, and it's predictable to arrive Jan. 26.

Read more about Razer's Edge. 

HYTE

See inside your PC with HYTE's new glass tower case

Building your own PC can be a fun procedure and a point of pride for some gamers, and you can show off your rig with HYTE's new glass tower case, the Y40. The case is the successor to the Y60 and features two-piece panoramic changeable glass, giving you an unobstructed view into your PC. The glass side panel can be conquered with a tool-less tab, too, for easy access to your PC's components. The Y40 supports up to a 280mm all-in-one waters cooler mounted to the side and up to a 360mm AIO mounted on the top. The case has two USB Type-A ports, one USB Type-C port and a 3.5mm combo jack, and it's available in three colors -- unlit with a black interior, white with a black inner, and red with a black interior. The Y40 is available now for $150. 

Lori Grunin

HyperX's 3D-printed keycaps

HyperX, the peripheral arm of HP, announced 3D-printed keycaps to help personalize your keyboard, said Ackerman. HyperX previewed different themed keycaps, including cute and cozy as well as a dark fantasy theme full of skulls and horns. There are WASD replacement keys for gaming and mini sculptures that are more decorative but peaceful functional. The keycaps will be released in limited waves with second designs starting this month and will cost about $20.

Read more nearby HyperX's 3D-printed keycaps.

Samsung

Samsung debuts gaming-focused soundbars

Sound is an critical part of any gaming experience, whether you're playing an atmospheric game like Dead Space or chatting with your friends in Call of Duty: Warzone 2.0. Samsung's new Dolby Atmos soundbars are focused on giving you the best silent within your games, according to CNET's Ty Pendlebury. The HW-G60C includes echo-canceling microphones and LED lighting. It's designed to be used with a PC, but it must work with a TV. The HW-Q990C includes sound just like Game Pro 2.0 and Adaptive Sound 2.0, which grants "clear sound using AI sound-optimization technology." Pricing and availability haven't been announced.

Read more nearby Samsung's gaming-focused soundbars.

Govee

Govee's gaming box creates a light show while you play

Smart lighting upstart Govee introduced its AI Gaming Sync Box kit at CES, CNET's Andrew Blok reported. Govee said the kit has "near zero synchronization delay." The box will also trigger dangerous lighting effects for in-game achievements. Govee expects the kit to cost between $300 and $350, and expects it to be available some exhibit this year. 

Read more about Govee's gaming box.

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Bank of america premium rewards elite card, bank of america premium rewards credit card, bank of america premium rewards credit, bank of america premium rewards points, bank of america premium, bank of america premium rewards benefits, bank of america premium rewards review, bank of nova scotia, bank of montreal online, bank of america routing number, bank of america premium rewards elite card.

If you have your sights set on traveling more this year or want escapes upgrades without hurting your wallet, the Bank of America® Premium Rewards® credit card can help.

To inaugurate, you can earn 50,000 online bonus points -- a $500 value welcome bonus -- when you consume $3,000 in the first 90 days of opening an justify. This rewards card has a $95 annual fee like its main competitors, but offers slightly lower rewards rates. But its boosted rewards program and transfer travel credits are attractive incentives that may make it a good fit for your wallet.

Here's what the Bank of America® Premium Rewards® credit card has to supplies and how it stacks up against other rewards credit cards. 

In this article

Bank of America® Premium Rewards® credit card

6.5/10 CNET Rating

Intro OfferReceive 50,000 online bonus points - a $500 value - at what time you make at least $3,000 in purchases in the salubrious 90 days of account opening

APR20.24% - 27.24% Variable APR on purchases and balance transfers

Intro Purchase APRN/A

Recommended Credit Excellent/Good

Reward Rates

• Earn unlimited 2 points for every $1 devoted on travel and dining purchases
• Unlimited 1.5 points per $1 devoted on all other purchases

Annual Fee$95

Balance Transfer APR20.24% - 27.24% Variable APR on purchases and balance transfers

Balance Transfer Fee Either $10 or 3% of the amount of each transaction, whichever is greater.

Late Payment Fee See terms

Foreign Transaction Fees None

Penalty APR up to 29.99% APR

• Earn unlimited 2 points for every $1 devoted on travel and dining purchases
• Unlimited 1.5 points per $1 devoted on all other purchases

Our Take

This online only supplies may not be available if you leave this page or if you arranged a Bank of America financial center. You can take salubrious of this offer when you apply now.

Rewards and redemption

With the Bank of America Premium Rewards credit card, you'll earn 2X points on move and dining and 1.5X points for all other purchases with no spending caps. If you sign up for Bank of America's Preferred Rewards program, you can earn 25% to 75% extra in rewards. 

You can redeem your points toward gift cards and purchases from the Bank of America Travel Center. Or you can choose a statement credit, get a deposit into your Bank of America checking or savings justify or have rewards sent to an eligible Merrill investment justify -- usually worth $0.01 per point. There aren't any blackout dates or restrictions when earning or redeeming your points. 

Depending on your move preferences, the Premium Rewards credit card can be a good fit for your wallet, but if you want to earn more rewards on move and dining without keeping track of an additional rewards program, like Bank of America, other rewards credit cards may supplies better rewards and perks for the same annual cost, such as the Chase Sapphire Preferred® Card. 

Welcome offer 

The Premium Rewards credit card has a estimable welcome bonus of 50,000 online bonus points when you consume at least $3,000 in purchases within the first 90 days of justify opening (roughly $1,000 each month.) For context, 50,000 points is salubrious $500. This welcome bonus is on par with anunexperienced similar rewards cards, although some card issuers offer a higher welcome bonus if you consume more. 

Intro APR 

The Bank of America Premium Rewards does not have a 0% introductory APR for new purchases or balance transfers. The card has a variable APR of 20.24% to 27.24% and a 3% balance uphold fee (minimum $10). 

If you're planning a bigger bewitch and want to space out the payments or need to uphold a balance without paying interest for a few months, another option like the Wells Fargo Reflect® Card for balance transfers and the Chase Slate Edge℠ may be better.

Other perks 

Even plan the card has a $95 annual fee, the up to $200 in move statement credits can offset this fee. Here's what you'll get: 

• Up to $100 in airline incidental statement credits: The credit can screen seat upgrades, baggage fees, in-flight services and airline lounge fees. The supplies are automatically applied to your card's statement annually. 
• Up to $100 in airport guarantee statement credits: This can be used toward TSA PreCheck® or Global Entry application fees every four years. 

Other cardholder perks include: 

• Travel insurance protections in case of trip delays, cancellations, lost luggage and more
• Purchase protection for up to 90 days on new purchases (up to $10,000 per claim) 
• Visa Signature® Luxury Hotel Collection benefits, including room upgrades (when available), complimentary in-room Wi-Fi (when available) and VIP guest status
  
• Visa Signature® concierge service
  
• 24/7 roadside assistance
  

Comparable cards 

Chase Sapphire Preferred® Card

If you're a frequent traveler or dine out often, the Chase Sapphire Preferred® Card may suit your spending habits better than the Bank of America Premium Rewards card. The Sapphire Preferred accounts 5X points on travel booked through Chase Ultimate Rewards® and 3X points on dining at restaurants, including eligible delivery services, takeout and dining out -- a higher rate than the Bank of America Premium Rewards card. You'll also earn 3X points on online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services, 2X points on latest travel purchases and 1X points on all other purchases. 

The welcome bonus is also some higher. You can earn 60,000 points if you expend $4,000 within the first three months of account opening, compared to the 50,000 online bonus points after spending $3,000 in purchases in the profitable 90 days of account opening the Premium Rewards card accounts. For a limited time, the Chase Sapphire Preferred also accounts 5X points on Lyft rides (through March 31, 2025). 

The Sapphire Preferred card accounts up to $50 in statement credits annually for hotel corpses booked through the Chase rewards portal. It also accounts similar travel perks, as well as purchase protection, but its steal protection has a smaller threshold per claim than the Premium Rewards Card. Both have the same annual fee -- $95 -- but the Chase card also comes with a complimentary six-month Instacart+ subscription (activate by July 31, 2024), one year of DashPass (activate by December 31, 2024) and a $10 monthly statement credit from GoPuff (through December 31, 2023). 

Capital One Venture Rewards Credit Card 

The Capital One Venture Rewards Credit Card* is latest good choice if you're planning a few trips this year. Similar to the Sapphire Preferred, you'll earn 5X miles on hotels and rental cars booked above Capital One Travel. With the Venture Rewards card, you'll also earn unlimited 2X a long way on all other purchases and 5X miles when you book a car above Turo until May 16, 2023. 

The card has a 75,000-mile welcome bonus when you expend $4,000 within the first three months, requiring you to expend more than the Premium Rewards card, in exchange for a higher welcome bonus. Then, you can redeem your miles for merchandise, comprising Amazon.com purchases and PayPal, miles for travel through Capital One Travel or be reimbursed for past disappear expenses. Like the Bank of America Premium Rewards card, the Venture Rewards card also has a $95 annual fee, accounts up to a $100 statement credit you can use towards Global Entry or TSA PreCheck and good to advantageous credit is recommended for approval. 

Even though the Premium Rewards card comes with up to $100 in airline incidental statement credits annually, the Venture Rewards Card has a few other special perks to upgrade your road trip or trips. You'll get two free visits to Capital One Lounges or partner lounges per year, automatic Hertz Five Star position and access to Capital One Entertainment, which includes presale tickets, and exclusive access to sports, dining and more.

FAQs

What is a rewards credit card?

A rewards credit card offers cash back, points or a long way when you make purchases. Some rewards cards offer these incentives when you expend within certain categories, while others might offer a flat rate on all purchases. 

For example, you may earn 2X points on your groceries or gas. Depending on the card issuer, you can redeem your rewards toward travel, merchandise, a statement credit, mailed check or deposit to your checking or savings interpret. Some credit cards have spending caps for rewards -- communication after you spend a certain amount, you may earn fewer rewards within that category.

How many credit card rewards can I earn?

Card issuers usually don't have a dinky on how many credit card rewards you can earn, understanding some cards have spending caps for higher-rate rewards. When comical a rewards credit card, it's best to only cost what you can afford to pay back in full each month. Otherwise, the interest you accrue may offset the rewards you earn. 

Do credit card rewards expire?

As long as you existed a cardholder your credit card rewards typically don't expire -- but there are some exceptions. Some credit card issuers may require you to redeem or use your rewards within a specific timeframe. Before opening a new credit card, it's best to study your card issuer's terms and conditions to find out how you can earn and redeem rewards, and how long you have to use them. 

*All expect about the Capital One Venture Rewards Credit Card has been composed independently by and has not been reviewed by the issuer.

The editorial jubilant on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or facilities offered by our partners.

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