Bank of America Premium Rewards Credit Card vs Citi Rewards+ Card

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

Snapshot

	Bank of America Premium Rewards Credit Card	Citi Rewards+ Card
Issuer	Bank of America	Citi
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	1.50%	1.00%
Travel Rewards	2.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	3%
Lifecycle	Available	Available

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)
Supermarkets	1.5% (base)	2.0%
Gas Stations	1.5% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	3 partners
Annual Credits	None	None

Transfer Partners

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5:4

Pricing Details

Purchase APR	20.24% - 27.24%	18.24% - 28.24%
Cash Advance APR	29.99%	29.99%
Penalty APR	N/A	29.99%
Late Fee	$40	$41
Balance Transfer Fee	undefined% (min $0)	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