FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or Chase United Quest?
Chase United Quest returns $456 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 QuestChase · $350 fee · 6 credits
NET VALUE+$30$125 credits
NET VALUE+$456$806 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | UNITED QUEST |
|---|---|---|
| 🌎Travel | $125 | $500 |
| 🍽️Food & Dining | — | $180 |
| 🚗Transportation | — | $96 |
| Total credits | $125 | $806 |
| Annual fee | $95 | $350 |
BEST NET VALUE
TAKE THE UNITED QUEST IF
You use travel, food & dining, transportation. Food & Dining and Transportation alone are worth $276 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 Quest?
The Chase United Quest is better with $456 net annual value compared to the Bank of America Premium Rewards at $30. The Chase United Quest wins by $426/year.
What's the difference between Bank of America Premium Rewards and Chase United Quest?
The key differences: Chase United Quest has a $350 annual fee and $806 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $255.
Which has a lower annual fee, Bank of America Premium Rewards or Chase United Quest?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Chase United Quest at $350. However, the Chase United Quest offers $806 in total annual benefits.
Is the Chase United Quest worth it compared to the Bank of America Premium Rewards?
Yes, the Chase United Quest offers better value with $456 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($350 vs $95), the Chase United Quest provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's Chase United Quest offers better value with $456 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Chase United Quest is better for travel with $500 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.