FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards Elite or Chase United Explorer?
Chase United Explorer returns $230 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 ExplorerChase · $150 fee · 4 credits
NET VALUE-$70$480 credits
NET VALUE+$230$380 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS ELITE | UNITED EXPLORER |
|---|---|---|
| 🌎Travel | $330 | $200 |
| 🍽️Food & Dining | — | $120 |
| 🚗Transportation | — | $60 |
| Total credits | $480 | $380 |
| Annual fee | $550 | $150 |
BEST NET VALUE
TAKE THE BANK OF AMERICA PREMIUM REWARDS ELITE IF
You use travel.
TAKE THE UNITED EXPLORER IF
You use food & dining, transportation. Food & Dining and Transportation alone are worth $180 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 Explorer?
The Chase United Explorer is better with $230 net annual value compared to the Bank of America Premium Rewards Elite at -$70. The Chase United Explorer wins by $300/year.
What's the difference between Bank of America Premium Rewards Elite and Chase United Explorer?
The key differences: Bank of America Premium Rewards Elite has a $550 annual fee and $480 in annual benefits, while Chase United Explorer has a $150 annual fee and $380 in annual benefits. The annual fee difference is $400.
Which has a lower annual fee, Bank of America Premium Rewards Elite or Chase United Explorer?
The Chase United Explorer 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 Chase United Explorer worth it compared to the Bank of America Premium Rewards Elite?
Yes, the Chase United Explorer offers better value with $230 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 Chase United Explorer offers better value with $230 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Bank of America Premium Rewards Elite is better for travel with $330 in annual travel benefits compared to $200 for the Chase United Explorer.