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Bank of America® Premium Rewards® Elite Credit Card vs Choice Privileges® Mastercard®
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Bank of America | Wells Fargo |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $550 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.49% – 27.49% | — |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 75,000 points | Earn 60,000 points |
Reward Rate Data: 2/2 cards | 2x pts on dining | 5x pts on choice hotels stays and choice privileges point purchases |
Reward Program Data: 2/2 cards | BofA Rewards | Choice Privileges |
| Earning Rates | ||
| All other purchases | 1.5x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | — |
| Choice Hotels stays and Choice Privileges point purchases | — | 5x ptsFive points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations, and on purchases of Choice Privileges points. |
| Dining | 2x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | — |
| Gas stations | — | 3x ptsIncludes gas stations, automated fuel dispensers, and electric vehicle charging stations. |
| Grocery stores | — | 3x ptsIncludes grocery stores, supermarkets, delis and bakeries. |
| Home improvement stores | — | 3x ptsIncludes home improvement stores, hardware stores, nurseries, garden supply, furniture and household appliance stores. |
| Other purchases | — | 1x pts1 rewards point earned per $1 spent on other net purchases. |
| Phone plan services | — | 3x ptsLandline and cell phone providers considered telecommunication services. |
| Travel | 2x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | — |
| Benefits | ||
Key Benefits |
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