FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards Elite or United Business Card?
United Business Card returns $291 over its fee and Bank of America Premium Rewards Elite returns $70, so the fee difference comes down to which categories you use.
Bank of America Premium Rewards EliteBank of America · $550 fee · 3 credits
United Business CardChase · $150 fee · 5 credits
NET VALUE-$70$480 credits
NET VALUE+$291$441 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS ELITE | UNITED BUSINESS CARD |
|---|---|---|
| 🌎Travel | $330 | $225 |
| 🍽️Food & Dining | — | $120 |
| 🚗Transportation | — | $96 |
| Total credits | $480 | $441 |
| Annual fee | $550 | $150 |
BEST NET VALUE
TAKE THE BANK OF AMERICA PREMIUM REWARDS ELITE IF
You use travel.
TAKE THE UNITED BUSINESS CARD IF
You use food & dining, transportation. Food & Dining and Transportation alone are worth $216 here and nothing on the Bank of America Premium Rewards Elite.
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, Bank of America Premium Rewards Elite or United Business Card?
The United Business Card is better with $291 net annual value compared to the Bank of America Premium Rewards Elite at -$70. The United Business Card wins by $361/year.
What's the difference between Bank of America Premium Rewards Elite and United Business Card?
The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while United Business Card has a $150 annual fee and $441 in annual benefits. The annual fee difference is $400.
Which has a lower annual fee, Bank of America Premium Rewards Elite or United Business Card?
The United Business Card has a lower annual fee at $150 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 United Business Card worth it compared to the Bank of America Premium Rewards Elite?
Yes, the United Business Card offers better value with $291 net annual value compared to -$70 for the Bank of America Premium Rewards Elite. It also has a lower annual fee.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's United Business Card offers better value with $291 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 United Business Card is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards Elite.