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COMPARE/BANK OF AMERICA PREMIUM REWARDS ELITE VS THE RITZ-CARLTON CREDIT CARD
FIRST CARD
SECOND CARD

Bank of America Premium Rewards Elite or The Ritz-Carlton Credit Card?

Bank of America Premium Rewards Elite returns $70 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

Bank of America Premium Rewards Elite
Bank of America Premium Rewards EliteBank of America · $550 fee · 3 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE-$70$480 credits
NET VALUE-$120$330 credits
BEST NET VALUE
Bank of America Premium Rewards Elite
BANK OF AMERICABank of America Premium Rewards Elite
FEE$550
CREDITS$480
NET-$70
Category wins1 of 1
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins0 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
LOUNGE ACCESS
Chase Sapphire Lounge Access
Priority Pass Select (No Restaurants)
TAKE THE BANK OF AMERICA PREMIUM REWARDS ELITE IF

You use travel.

Where to use each card

BANK OF AMERICA PREMIUM REWARDS ELITE

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THE RITZ-CARLTON CREDIT CARD
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Airport Lounges48 LOCATIONS
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Frequently asked questions

Which is better, Bank of America Premium Rewards Elite or The Ritz-Carlton Credit Card?

The Bank of America Premium Rewards Elite is better with -$70 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Bank of America Premium Rewards Elite wins by $50/year.

What's the difference between Bank of America Premium Rewards Elite and The Ritz-Carlton Credit Card?

The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits. The annual fee difference is $100.

Which has a lower annual fee, Bank of America Premium Rewards Elite or The Ritz-Carlton Credit Card?

The Ritz-Carlton Credit Card has a lower annual fee at $450 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.

Is the Bank of America Premium Rewards Elite worth it compared to the Ritz-Carlton Credit Card?

Yes, the Bank of America Premium Rewards Elite offers better value with -$70 net annual value compared to -$120 for the Ritz-Carlton Credit Card. Even though it has a higher annual fee ($550 vs $450), the Bank of America Premium Rewards Elite provides more total benefits.

Bank of America vs Chase: which issuer is better?

For these specific cards, Bank of America's Bank of America Premium Rewards Elite offers better value with -$70 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Should I get the Bank of America Premium Rewards Elite?

If you're deciding between the Bank of America Premium Rewards Elite and The Ritz-Carlton Credit Card, the Bank of America Premium Rewards Elite is the better choice with -$70 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.

Other comparisons

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American Express Business Platinum+$1,284
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American Express Delta SkyMiles Reserve-$60
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American Express Gold+$99
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American Express Platinum+$2,109
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MORE BANK OF AMERICA PREMIUM REWARDS ELITE COMPARISONS

MORE THE RITZ-CARLTON CREDIT CARD COMPARISONS