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

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

Bank of America Premium Rewards returns $30 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
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
The Ritz-Carlton Credit Card
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$30$125 credits
NET VALUE-$120$330 credits
BEST NET VALUE
Bank of America Premium Rewards
BANK OF AMERICABank of America Premium Rewards
FEE$95
CREDITS$125
NET+$30
Category wins0 of 1
The Ritz-Carlton Credit Card
CHASEThe Ritz-Carlton Credit Card
FEE$450
CREDITS$330
NET-$120
Category wins1 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 THE RITZ-CARLTON CREDIT CARD IF

You use travel.

Where to use each card

BANK OF AMERICA PREMIUM REWARDS

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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 or The Ritz-Carlton Credit Card?

The Bank of America Premium Rewards is better with $30 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Bank of America Premium Rewards wins by $150/year.

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

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $355.

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

The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

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

Yes, the Bank of America Premium Rewards offers better value with $30 net annual value compared to -$120 for the Ritz-Carlton 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 Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.

Should I get the Bank of America Premium Rewards?

If you're deciding between the Bank of America Premium Rewards and The Ritz-Carlton Credit Card, the Bank of America Premium Rewards is the better choice with $30 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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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
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Chase United Quest+$456
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American Express Gold+$99
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American Express Platinum+$2,109
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