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Bank of America® Premium Rewards® Elite Credit Card vs One Key+™ Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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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 | Mid Tier |
Credit Score | Excellent(750+) | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $550 | $99 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.49% – 27.49% | — |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 75,000 points | Earn $350 |
Reward Rate Data: 2/2 cards | 2x pts on dining | 3% back on dining |
Reward Program Data: 2/2 cards | BofA Rewards | One Key |
| Earning Rates | ||
| All other purchases | 1.5x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | — |
| Dining | 2x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | 3% backAt retailers whose Mastercard merchant code is classified as eating places, restaurants, fast food, drinking places, and caterers. |
| Expedia, Hotels.com and Vrbo | — | 3% backEarned on eligible bookings through the U.S. version of the sites. |
| Gas stations | — | 3% backAt retailers whose Mastercard merchant code is classified as gas stations, automated fuel dispensers, and EV charging stations. |
| Grocery stores | — | 3% backAt retailers whose Mastercard merchant code is classified as grocery stores, supermarkets, delis, and bakeries. |
| Other purchases | — | 2% backOn all other net purchases. |
| Travel | 2x ptsEarn unlimited points. Preferred Rewards members can earn conditional boosts on base rates. | — |
| Benefits | ||
Key Benefits |
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