Amex Business Gold Card vs Bank of America Premium Rewards Credit Card

Side-by-side comparison of Amex Business Gold Card and Bank of America Premium Rewards Credit Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Business Gold Card	Bank of America Premium Rewards Credit Card
Issuer	American Express	Bank of America
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$375.00	$95.00
Base Rate	1.00%	1.50%
Travel Rewards	0.00x	2.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.5% (base)
Top 2 Categories	4.0%	1.5% (base)
Travel	3.0%	2.0%
Restaurants	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	20 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	10.99% - 21.74%	20.24% - 27.24%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	N/A
Late Fee	$40	$40
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	Covered
Baggage Loss	—	Covered
Cell Phone Protection	—	—
Extended Warranty	—	Covered
Purchase Protection	—	Covered
Return Protection	—	Covered
Trip Cancellation Interruption	—	Covered
Trip Delay	—	Covered
Tsa Precheck Global Entry	—	Up to $100 statement credit every 4 years

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard