Hilton Honors American Express Business Card returns $45 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.


| CATEGORY | HILTON HONORS AMERICAN EXPRESS BUSINESS CARD | BANK OF AMERICA PREMIUM REWARDS |
|---|---|---|
| 🌎Travel | $240 | $125 |
| Total credits | $240 | $125 |
| Annual fee | $195 | $95 |
| Net value | +$45 | +$30 |

You use travel.
The Hilton Honors American Express Business Card is better with $45 net annual value compared to the Bank of America Premium Rewards at $30. The Hilton Honors American Express Business Card wins by $15/year.
The key differences: Hilton Honors American Express Business Card has a $195 annual fee and $240 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $100.
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Hilton Honors American Express Business Card at $195. However, the Hilton Honors American Express Business Card offers $240 in total annual benefits.
Yes, the Hilton Honors American Express Business Card offers better value with $45 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($195 vs $95), the Hilton Honors American Express Business Card provides more total benefits.
For these specific cards, Amex's Hilton Honors American Express Business Card offers better value with $45 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
The Hilton Honors American Express Business Card is better for travel with $240 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.
If you're deciding between the Hilton Honors American Express Business Card and Bank of America Premium Rewards, the Hilton Honors American Express Business Card is the better choice with $45 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.