FIRST CARD
VSSECOND CARD
American Express Gold or Bank of America Premium Rewards?
American Express Gold returns $99 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
American Express GoldAmerican Express · $325 fee · 4 credits
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
NET VALUE+$99$424 credits
NET VALUE+$30$125 credits
| CATEGORY | GOLD | BANK OF AMERICA PREMIUM REWARDS |
|---|---|---|
| 🍽️Food & Dining | $424 | — |
| 🌎Travel | — | $125 |
| ✨Lifestyle | $120 | — |
| 🚗Transportation | $120 | — |
| Total credits | $424 |
BEST NET VALUE
TAKE THE AMEX GOLD IF
You use food & dining, lifestyle, transportation. Food & Dining and Lifestyle and Transportation alone are worth $664 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 Gold.
Where to use each card
BANK OF AMERICA PREMIUM REWARDS
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Start tracking freeFrequently asked questions
Which is better, American Express Gold or Bank of America Premium Rewards?
The American Express Gold is better with $99 net annual value compared to the Bank of America Premium Rewards at $30. The American Express Gold wins by $69/year.
What's the difference between American Express Gold and Bank of America Premium Rewards?
The key differences: American Express Gold has a $325 annual fee and $424 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $230.
Which has a lower annual fee, American Express 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 Gold at $325. However, the American Express Gold offers $424 in total annual benefits.
Is the American Express Gold worth it compared to the Bank of America Premium Rewards?
Yes, the American Express Gold offers better value with $99 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($325 vs $95), the American Express Gold provides more total benefits.
Amex vs Bank of America: which issuer is better?
For these specific cards, Amex's American Express Gold offers better value with $99 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for food_and_dining?
The American Express Gold is better for food_and_dining with $424 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards.