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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 - 20 of 21
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One VentureOne Rewards Credit Card
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
Enjoy 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 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, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel. See rates & fees
Bilt World Elite Mastercard® Credit Card
Bilt World Elite Mastercard® Credit Card
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 6x points on dining, 4x points on travel, and 2x points on other purchases (except rent), up to 10,000 bonus points in a calendar year. Use the card 5 times each statement period to earn points.
Up to 3x points
$0
Capital One Quicksilver Cash Rewards Credit Card
$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
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
60,000 points after spending $6,000 on eligible purchases in the first 6 months
Up to 4x points
$250

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

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
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
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
Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $2,000 in the first 6 months. Offer Ends on 7/31/2024.
Up to 7x points
$0
Earn 70,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $2,000 in the first 6 months. Offer Ends on 7/31/2024. Terms apply, see rates & fees
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Blue American Express Card
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
40,000 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 40,000 bonus miles after you spend $2,000 on purchases in your first 6 months. Terms apply, see rates & fees
Marriott Bonvoy Bevy™ American Express® Card
Marriott Bonvoy Bevy™ American Express® Card
85,000 Marriott Bonvoy bonus points after spending $5,000 in the first 6 months.
Up to 4x points
$250
A new mid-tier Marriott Bonvoy credit card with an offer of 85,000 Marriott Bonvoy bonus points after you spend $5,000 in purchases within the first 6 months. Terms apply, see rates & fees
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
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™
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™
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™
N/A
Up to 1x points
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
CardMatch™ from creditcards.com
CardMatch™ from creditcards.com
See terms
None
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Platinum American Express Card
50,000 bonus miles after you spend $3,000 in purchases in your first 6 months
Up to 3x miles
$350
Earn 50,000 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
130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in the first 6 months. Offer Ends on 7/31/2024.
Up to 12x points
$150
Earn 130,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $3,000 in purchases in the first 6 months. Offer Ends on 7/31/2024. Terms apply, see rates & fees
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Earn 60,000 bonus miles after you spend $5,000 in your first 6 months
Up to 3x miles
$650
Earn 60,000 bonus miles after you spend $5,000 in your first 6 months. Terms apply, see rates & fees
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