Bank of America Premium Rewards vs Premium Rewards Elite
Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Premium Rewards 1.5% 1.5x base rate
- Premium Rewards Elite 1.5% 1.5x base rate
Dining
- Premium Rewards 2.0% 2x
- Premium Rewards Elite 2.0% 2x
Flights
- Premium Rewards 2.0% 2x
- Premium Rewards Elite 2.0% 2x
Hotels
- Premium Rewards 2.0% 2x
- Premium Rewards Elite 2.0% 2x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Premium Rewards $95 and Premium Rewards Elite $550 a year, so a thin lead in one category may not cover the difference.
These cards return the same effective rate in all 47 categories, so the ranking cannot separate them. Pick on annual fee instead: Premium Rewards $95, Premium Rewards Elite $550.
| Category | Best card |
|---|---|
| Everything else | Premium Rewards1.5% |
| Dining | Premium Rewards2.0% |
| Flights | Premium Rewards2.0% |
| Hotels | Premium Rewards2.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Premium Rewards — 1.5%
- Premium Rewards Elite — 1.5%
Dining
- Premium Rewards — 2.0%
- Premium Rewards Elite — 2.0%
Flights
- Premium Rewards — 2.0%
- Premium Rewards Elite — 2.0%
Hotels
- Premium Rewards — 2.0%
- Premium Rewards Elite — 2.0%
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Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.