FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards Elite or Chase United Club?
Chase United Club returns $119 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
Chase United ClubChase · $695 fee · 5 credits
NET VALUE-$70$480 credits
NET VALUE+$119$814 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS ELITE | UNITED CLUB |
|---|---|---|
| 🌎Travel | $330 | $400 |
| 🍽️Food & Dining | — | $240 |
| 🚗Transportation | — | $144 |
| Lounge Access | — |
BEST NET VALUE
TAKE THE UNITED CLUB IF
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 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 Chase United Club?
The Chase United Club is better with $119 net annual value compared to the Bank of America Premium Rewards Elite at -$70. The Chase United Club wins by $189/year.
What's the difference between Bank of America Premium Rewards Elite and Chase United Club?
The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits. The annual fee difference is $145.
Which has a lower annual fee, Bank of America Premium Rewards Elite or Chase United Club?
The Bank of America Premium Rewards Elite has a lower annual fee at $550 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.
Is the Chase United Club worth it compared to the Bank of America Premium Rewards Elite?
Yes, the Chase United Club offers better value with $119 net annual value compared to -$70 for the Bank of America Premium Rewards Elite. Even though it has a higher annual fee ($695 vs $550), the Chase United Club provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's Chase United Club offers better value with $119 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 Chase United Club is better for food_and_dining with $240 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards Elite.