Bank of America Premium Rewards vs Unlimited Cash Rewards
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
- Unlimited Cash Rewards 1.5% 1.5% base rate
Dining
- Premium Rewards 2.0% 2x
- Unlimited Cash Rewards 1.5% 1.5% base rate
Flights
- Premium Rewards 2.0% 2x
- Unlimited Cash Rewards 1.5% 1.5% base rate
Hotels
- Premium Rewards 2.0% 2x
- Unlimited Cash Rewards 1.5% 1.5% base rate
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 Unlimited Cash Rewards $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Premium Rewards takes dining, flights and hotels. Unlimited Cash Rewards wins nothing outright in this wallet.
| 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%
- Unlimited Cash Rewards — 1.5%
Dining
- Premium Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
Flights
- Premium Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
Hotels
- Premium Rewards — 2.0%
- Unlimited Cash Rewards — 1.5%
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