FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or IHG One Rewards Premier Credit Card?
Bank of America Premium Rewards returns $30 over its fee and IHG One Rewards Premier Credit Card returns $21, so the fee difference comes down to which categories you use.
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
IHG One Rewards Premier Credit CardChase · $99 fee · 3 credits
NET VALUE+$30$125 credits
NET VALUE+$21$120 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | IHG ONE REWARDS PREMIER CREDIT CARD |
|---|---|---|
| 🌎Travel | $125 | $50 |
| 🍽️Food & Dining | — | $40 |
| Hotel Free Night Certificates | — | |
| Total credits | $125 | $120 |
BEST NET VALUE
FEE$99
CREDITS$120
NET+$21
Category wins1 of 2
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
TAKE THE BANK OF AMERICA PREMIUM REWARDS IF
You use travel.
TAKE THE IHG ONE REWARDS PREMIER CREDIT CARD IF
You use food & dining. Food & Dining alone is worth $40 here and nothing on the Bank of America Premium Rewards.
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 or IHG One Rewards Premier Credit Card?
The Bank of America Premium Rewards is better with $30 net annual value compared to the IHG One Rewards Premier Credit Card at $21. The Bank of America Premium Rewards wins by $9/year.
What's the difference between Bank of America Premium Rewards and IHG One Rewards Premier Credit Card?
The key differences: IHG One Rewards Premier Credit Card has a $99 annual fee and $125 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $120 in annual benefits. The annual fee difference is $4.
Which has a lower annual fee, Bank of America Premium Rewards or IHG One Rewards Premier Credit Card?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the IHG One Rewards Premier Credit Card at $99. However, the IHG One Rewards Premier Credit Card offers $120 in total annual benefits.
Is the Bank of America Premium Rewards worth it compared to the IHG One Rewards Premier Credit Card?
Yes, the Bank of America Premium Rewards offers better value with $30 net annual value compared to $21 for the IHG One Rewards Premier Credit Card. It also has a lower annual fee.
Bank of America vs Chase: which issuer is better?
For these specific cards, Bank of America's Bank of America Premium Rewards offers better value with $30 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 is better for travel with $125 in annual travel benefits compared to $50 for the IHG One Rewards Premier Credit Card.