FIRST CARD
VSSECOND CARD
American Express Business Gold or Bank of America Premium Rewards?
American Express Business Gold returns $482 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
American Express Business GoldAmerican Express · $375 fee · 4 credits
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
NET VALUE+$482$857 credits
NET VALUE+$30$125 credits
| CATEGORY | BUSINESS GOLD | BANK OF AMERICA PREMIUM REWARDS |
|---|---|---|
| 💼Business | $690 | — |
| 🍽️Food & Dining | $240 | — |
| ✨Lifestyle | $167 | — |
| 🌎Travel | — | $125 |
| Total credits | $857 |
BEST NET VALUE
TAKE THE AMEX BUSINESS GOLD IF
You use business, food & dining, lifestyle. Business and Food & Dining and Lifestyle alone are worth $1,097 here and nothing on the Bank of America Premium Rewards.
TAKE THE BANK OF AMERICA PREMIUM REWARDS IF
You use travel. Travel alone is worth $125 here and nothing on the Amex Business Gold.
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking freeFrequently asked questions
Which is better, American Express Business Gold or Bank of America Premium Rewards?
The American Express Business Gold is better with $482 net annual value compared to the Bank of America Premium Rewards at $30. The American Express Business Gold wins by $452/year.
What's the difference between American Express Business Gold and Bank of America Premium Rewards?
The key differences: American Express Business Gold has a $375 annual fee and $857 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $280.
Which has a lower annual fee, American Express Business Gold or Bank of America Premium Rewards?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the American Express Business Gold at $375. However, the American Express Business Gold offers $857 in total annual benefits.
Is the American Express Business Gold worth it compared to the Bank of America Premium Rewards?
Yes, the American Express Business Gold offers better value with $482 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($375 vs $95), the American Express Business Gold provides more total benefits.
Amex vs Bank of America: which issuer is better?
For these specific cards, Amex's American Express Business Gold offers better value with $482 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for business?
The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the Bank of America Premium Rewards.