Bank of America® Premium Rewards® Elite Credit Card vs United Club℠ Card

Bank of America® Premium Rewards® Elite Credit CardBank of America® Premium Rewards® Elite Credit Card

Bank of America

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United Club℠ CardUnited Club℠ Card

Chase

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Annual Fee
$550
$695
Card Type
Personal
Personal
Rewards Currency
Bank of America Points
United MileagePlus
Point Value
1.00¢/pt
1.35¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
—
90,000 United MileagePlus after $5,000 in 90 days

Effective return by category

CategoryBank of America® Premium Rewards® Elite Credit CardUnited Club℠ Card
Travel2.00%
2x
2.70%
2x
Card Travel Portals2.00%
2x
2.70%
2x
Airfare2.00%
2x
2.70%
2x
Hotels & Lodging2.00%
2x
2.70%
2x
Dining & Restaurants2.00%
2x
2.70%
2x
Food Delivery1.50%
1.5x
2.70%
2x
Rideshare & Transit1.50%
1.5x
2.70%
2x
Car Rentals2.00%
2x
2.70%
2x
Everything else1.50%
1.5x
1.35%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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