Hilton Honors American Express Business Card returns $45 over its fee and Bank of America Premium Rewards Elite returns $70, so the fee difference comes down to which categories you use.


| CATEGORY | HILTON HONORS AMERICAN EXPRESS BUSINESS CARD | BANK OF AMERICA PREMIUM REWARDS ELITE |
|---|---|---|
| 🌎Travel | $240 | $330 |
| Total credits | $240 | $480 |
| Annual fee | $195 | $550 |
| Net value | +$45 | -$70 |

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 Elite at -$70. The Hilton Honors American Express Business Card wins by $115/year.
The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while Hilton Honors American Express Business Card has a $195 annual fee and $240 in annual benefits. The annual fee difference is $355.
The Hilton Honors American Express Business Card has a lower annual fee at $195 compared to the Bank of America Premium Rewards Elite at $550. However, the Bank of America Premium Rewards Elite offers $480 in total annual benefits.
Yes, the Hilton Honors American Express Business Card offers better value with $45 net annual value compared to -$70 for the Bank of America Premium Rewards Elite. It also has a lower annual fee.
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 Bank of America Premium Rewards Elite is better for travel with $330 in annual travel benefits compared to $240 for the Hilton Honors American Express Business Card.
If you're deciding between the Hilton Honors American Express Business Card and Bank of America Premium Rewards Elite, 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.