FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or United Club Business Card?
United Club Business Card returns $169 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 Club Business CardChase · $695 fee · 6 credits
NET VALUE+$30$125 credits
NET VALUE+$169$864 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | UNITED CLUB BUSINESS CARD |
|---|---|---|
| 🌎Travel | $125 | $450 |
| 🍽️Food & Dining | — | $240 |
| 🚗Transportation | — | $144 |
| Lounge Access | — |
BEST NET VALUE
FEE$695
CREDITS$864
NET+$169
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
TAKE THE UNITED CLUB BUSINESS CARD IF
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $384 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 Club Business Card?
The United Club Business Card is better with $169 net annual value compared to the Bank of America Premium Rewards at $30. The United Club Business Card wins by $139/year.
What's the difference between Bank of America Premium Rewards and United Club Business Card?
The key differences: United Club Business Card has a $695 annual fee and $864 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $600.
Which has a lower annual fee, Bank of America Premium Rewards or United Club Business Card?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the United Club Business Card at $695. However, the United Club Business Card offers $864 in total annual benefits.
Is the United Club Business Card worth it compared to the Bank of America Premium Rewards?
Yes, the United Club Business Card offers better value with $169 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($695 vs $95), the United Club Business Card provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's United Club Business Card offers better value with $169 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The United Club Business Card is better for travel with $450 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.