FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or United Business Card?
United Business Card returns $291 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
United Business CardChase · $150 fee · 5 credits
NET VALUE+$30$125 credits
NET VALUE+$291$441 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | UNITED BUSINESS CARD |
|---|---|---|
| 🌎Travel | $125 | $225 |
| 🍽️Food & Dining | — | $120 |
| 🚗Transportation | — | $96 |
| Total credits | $125 | $441 |
| Annual fee | $95 | $150 |
BEST NET VALUE
TAKE THE UNITED BUSINESS CARD IF
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $216 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 United Business Card?
The United Business Card is better with $291 net annual value compared to the Bank of America Premium Rewards at $30. The United Business Card wins by $261/year.
What's the difference between Bank of America Premium Rewards and United Business Card?
The key differences: United Business Card has a $150 annual fee and $441 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $55.
Which has a lower annual fee, Bank of America Premium Rewards or United Business Card?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the United Business Card at $150. However, the United Business Card offers $441 in total annual benefits.
Is the United Business Card worth it compared to the Bank of America Premium Rewards?
Yes, the United Business Card offers better value with $291 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($150 vs $95), the United Business Card provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's United Business Card offers better value with $291 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 United Business Card is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards.