Bank of America® Premium Rewards® Credit Card cashback is currently offered by one portal: Rakuten ($400 back). GotCashback.com tracks Bank of America® Premium Rewards® Credit Card across 1 cash back portal.
Rates last checked 7 Oct 2026, 1:17 PM CT
Bank of America® Premium Rewards® Credit Card cashback frequently asked questions
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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