FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or Chase United Explorer?
Chase United Explorer returns $230 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
Chase United ExplorerChase · $150 fee · 4 credits
NET VALUE+$30$125 credits
NET VALUE+$230$380 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | UNITED EXPLORER |
|---|---|---|
| 🌎Travel | $125 | $200 |
| 🍽️Food & Dining | — | $120 |
| 🚗Transportation | — | $60 |
| Total credits | $125 | $380 |
| Annual fee | $95 | $150 |
BEST NET VALUE
TAKE THE UNITED EXPLORER IF
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $180 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 Chase United Explorer?
The Chase United Explorer is better with $230 net annual value compared to the Bank of America Premium Rewards at $30. The Chase United Explorer wins by $200/year.
What's the difference between Bank of America Premium Rewards and Chase United Explorer?
The key differences: Chase United Explorer has a $150 annual fee and $380 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 Chase United Explorer?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Chase United Explorer at $150. However, the Chase United Explorer offers $380 in total annual benefits.
Is the Chase United Explorer worth it compared to the Bank of America Premium Rewards?
Yes, the Chase United Explorer offers better value with $230 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 Chase United Explorer provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's Chase United Explorer offers better value with $230 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 Chase United Explorer is better for food_and_dining with $120 in annual food_and_dining benefits compared to $0 for the Bank of America Premium Rewards.