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Bank of America® Premium Rewards® Credit Card vs. PenFed Pathfinder® Rewards Visa Signature® Card

PenFed will reopen its card for applications in early 2020.

While it was available, the PenFed Pathfinder® Rewards Visa Signature® Card was a powerhouse, offering up to 3x points on travel compared to the Bank of America® Premium Rewards® Credit Card‘s 2x points in the category — and for a $95 annual fee. Though Bank of America’s card has a $95 annual fee, it offers 2x points on dining, as well as a stronger signup bonus worth $500.

The PenFed Pathfinder Rewards American Express® Card is currently closed to applications. PenFed says it’ll re-introduce the card in early 2020.

Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® Credit Card

Terms apply, see rates & fees

PenFed Pathfinder® Rewards Visa Signature® Card

PenFed Pathfinder® Rewards Visa Signature® Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Low annual fee for premium perks
  • Great travel rewards with no annual fee
Welcome offer
Welcome offer

50,000 points after spending $3,000 in the first 90 days

50,000 points after spending $3,000 in the first 90 days

Rewards
Rewards

2x points on travel and dining and x points on all other purchases

3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases

Purchase APR
Purchase APR

19.99% to 26.99% variable

17.99% variable

Annual fee
Annual fee $95 $95
Cash advance
Cash advance

APR: 22.99% to 29.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: to 17.99% variable

Fee: or of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $28
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $1.50 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

What’s next?

There’s a lot to compare between these two cards. You might want to start with the annual fee, then consider the rewards you’ll earn. Also, look at each card’s signup bonus and whether you want an intro APR on balance transfers.

Not sure about either product? There are many other excellent travel cards to choose from that you can compare today.

Compare similar travel credit cards

1 - 18 of 18
Name Product USCCF Filter values Welcome Offer Rewards Annual fee
Capital One VentureOne Rewards Credit Card image
20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Up to 5x miles
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. See rates & fees
Capital One Venture Rewards Credit Card image
Enjoy 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Up to 5x miles
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening, equal to $750 in travel. See rates & fees
Bilt Mastercard®
Bilt Mastercard® image
Bilt does not have a welcome offer. However, they have a unique bonus offer of double points on the first of each month – that’s 3x points on dining, 2x points on travel, and 1x points on other purchases. Earn double points on the first of each month (excluding rent, up to 1,000 bonus points). Use the card 5 times each statement period to earn points
Up to 3x points
$0
Capital One Quicksilver Cash Rewards Credit Card image
$200 cash bonus after you spend $500 on purchases within 3 months from account opening
Up to 1.5% cash back
$0
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply). See rates & fees
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit image
N/A
Up to 5x miles
$0
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit. See rates & fees
American Express® Gold Card image
Spend $6,000 on eligible purchases within the first 6 months you own the card and earn 60,000 Membership Rewards® points.
Up to 4x points
$325
Earn up to 4x points on select purchases and enjoy a bevy of travel perks with this upper-mid tier travel card. Terms apply, see rates & fees
Capital One Venture X Rewards Credit Card image
75,000 miles after you spend $4,000 in your first 3 months of account opening
Up to 10x miles
$395
Capital One's premium luxury travel card, featuring airport lounge access at 1,300+ lounges. See rates & fees
The Platinum Card® from American Express
The Platinum Card® from American Express image
80,000 points after spending $8,000 in your first 6 months
Up to 5x points
$695
80,000 points after spending $8,000 in your first 6 months. Terms apply, see rates & fees
Hilton Honors American Express Card
Hilton Honors American Express Card image
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months. Offer ends 1/8/2025.
Up to 7x points
$0
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in the first 6 months. Offer ends 1/8/2025. Terms apply, see rates & fees
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card image
10,000 bonus miles after you spend $1,000 in your first 6 months
Up to 2x miles
$0
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new card in your first 6 months. Terms apply, see rates & fees
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Gold American Express Card image
50,000 bonus miles after you spend $2,000 in your first 6 months
Up to 2x miles
$0 intro annual fee for the first year ($150 thereafter)
Earn 50,000 bonus miles after you spend $2,000 on purchases in your first 6 months. Terms apply, see rates & fees
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card image
Use your card to make $6,000 in purchases in the first 6 months of card ownership and you'll earn 95,000.
Up to 6x points
$650
Use your card to make $6,000 in purchases in the first 6 months of card ownership and you'll earn 95,000. Terms apply, see rates & fees
Luxury Card Mastercard® Black Card™
Luxury Card Mastercard® Black Card™  image
N/A
Up to 1x points
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Titanium Card™
Luxury Card Mastercard® Titanium Card™ image
N/A
Up to 1x points
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™ image
N/A
Up to 1x points
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum American Express Card image
60,000 bonus miles after you spend $3,000 in purchases in your first 6 months
Up to 3x miles
$350
Earn 60,000 bonus miles after you spend $3,000 in your first 6 months. Terms apply, see rates & fees
Hilton Honors American Express Surpass® Card
Hilton Honors American Express Surpass® Card image
165,000 Hilton Honors Bonus Points after you spend $3,000 in the first 6 months. Offer ends 1/8/2025.
Up to 12x points
$150
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases in the first 6 months. Offer ends 1/8/2025. Terms apply, see rates & fees
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card image
Earn 70,000 bonus miles after you spend $5,000 in your first 6 months
Up to 3x miles
$650
Earn 70,000 bonus miles after you spend $5,000 in your first 6 months. Terms apply, see rates & fees
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