FIRST CARD
VSSECOND 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 RewardsBank of America · $95 fee · 2 credits
The Ritz-Carlton Credit CardChase · $450 fee · 2 credits
NET VALUE+$30$125 credits
NET VALUE-$120$330 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | THE RITZ-CARLTON CREDIT CARD |
|---|---|---|
| 🌎Travel | $125 | $300 |
| Hotel Free Night Certificates | — | |
| Lounge Access | — |
BEST NET VALUE
FEE$450
CREDITS$330
NET-$120
Category wins1 of 1
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
TAKE THE THE RITZ-CARLTON CREDIT CARD IF
You use travel.
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 The Ritz-Carlton Credit Card?
The Bank of America Premium Rewards is better with $30 net annual value compared to the 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 The Ritz-Carlton Credit Card at $450. However, the The Ritz-Carlton Credit Card offers $330 in total annual benefits.
Is the Bank of America Premium Rewards worth it compared to the 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 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 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.