Daily Tip: Get the Bank of America Premium Reward Credit Card. If you qualify for the preferred status, It gives you 3.5% cash back on all travel and dining and 2.625% on everything else!! Without the preferred status you still get 2% on travel/dining, and 1.5% on all else. You won’t find a card with better cash back returns. It also has no foreign transaction fees, gives you travel protection insurance, free TSA Precheck or Global Passport Membership, and $100 credit a year towards flight fees. All this for $95 a year annual fee. I carry a whole host of credit cards, many of which are travel focused and some that I pay over $500 a year for, and I can still say hands down this is my preferred card. You don’t have to spend 100s of hours studying the dark underworld of credit card points games…it’s a simple card with great cash back returns. Right now they are offering 50,000 points ($500) cash back after you spend $3000 in 3 months. I am not paid nor do I make money on this referral, we are sharing because we feel this is one of the best credit cards out there.