Bank of America Premium Rewards Credit Card vs Centurion Card from American Express

Side-by-side comparison of Bank of America Premium Rewards Credit Card and Centurion Card from American Express. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Bank of America Premium Rewards Credit Card	Centurion Card from American Express
Issuer	Bank of America	American Express
Network	Visa	American Express
Card Material	Plastic	Plastic
Annual Fee	$95.00	$5000.00
Base Rate	1.50%	1.00%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.5% (base)	1.0% (base)
Travel	2.0%	1.0% (base)
Restaurants	2.0%	1.0% (base)
Purchases over $5k	1.5% (base)	1.5%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	20 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	20.24% - 27.24%	12.74% - 21.74%
Cash Advance APR	29.99%	28.74%
Penalty APR	N/A	29.99%
Late Fee	$40	$40
Balance Transfer Fee	undefined% (min $0)	N/A

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