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CardCurator — Rewards Intelligence
Card Comparison

American Express Gold Card vs Bank of America Premium Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

American Express Gold Card card art
American Express Membership Rewards
American Express Gold Card
American Express
More Info
Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Annual Fee
$325/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
90,000 points
Spend $6,000 in 6 months
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
  • Restaurants (Worldwide) 4x
  • U.S. Supermarkets 4x
  • Flights (Direct or Amex Travel) 3x
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
Reward Type
miles
miles
Key Credits
  • Uber Cash $10
  • Dining Credit $10
  • Resy Credit $100
  • +1 more
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
Card Perks
  • The Hotel Collection Access
  • Baggage Insurance Plan
  • Trip Delay Insurance
None listed
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
No transfer partners
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Common Questions: American Express Gold Card vs Bank of America Premium Rewards

Is the American Express Gold Card or Bank of America Premium Rewards better for dining?

American Express Gold Card earns 4x on dining; Bank of America Premium Rewards earns 2x on dining. American Express Gold Card wins for dining.

Which has the higher signup bonus in 2026?

American Express Gold Card currently offers 90,000 pts signup bonus (spend $6,000 in 6 months). Bank of America Premium Rewards offers 60,000 pts signup bonus (spend $4,000 in 3 months). American Express Gold Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the American Express Gold Card and the Bank of America Premium Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Gold Card is from American Express and Bank of America Premium Rewards is from Bank of America, so they're governed by separate bank policies.