I too had to have a conversation about the Travel perks that come with our BoA Premium Rewards cards, or rather the benefits people that run those perks and not the bank itself. At least with this specific card, certain benefits (like cancelation) require the entire "base" portion to be paid on the card. Any additions like OBC, SPA, drinks, and HIA can be added later via other financing means. Others, like baggage and delay travel perks, only require partial payment on the card.