Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs IHG One Rewards Premier
Both are well-respected travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the Bank of America Premium Rewards's. Get the IHG One Rewards Premier first; revisit the Bank of America Premium Rewards after you've earned that bonus.
| Feature | Bank of America Premium Rewards | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $95 | $99 |
| Sign-up bonus | Not advertised | 185,000 bonus points |
| Bonus value (est.) | - | $925 |
| Min spend to unlock bonus | - | $3,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | travel | hotel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or IHG One Rewards Premier?
- The IHG One Rewards Premier has a public bonus (185,000 bonus points, worth roughly $925), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the IHG One Rewards Premier?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and IHG One Rewards Premier?
- Yes, since they're from different issuers (Bank of America and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Premium Rewards or the IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. IHG One Rewards Premier: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.