Bank of America® Premium Rewards® Credit Card vs U.S. Bank FlexPerks® Gold American Express® Card: fees, rewards and APR compared - DebitCue Skip to content
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Bank of America® Premium Rewards® Credit Card vs U.S. Bank FlexPerks® Gold American Express® Card

Compare Bank of America® Premium Rewards® Credit Card and U.S. Bank FlexPerks® Gold American Express® Card side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Bank of America® Premium Rewards® Credit Card versus U.S. Bank FlexPerks® Gold American Express® Card compared by attribute
Feature Bank of America® Premium Rewards® Credit Card U.S. Bank FlexPerks® Gold American Express® Card
Card fee $95 USD/yr $85 USD/yr
Purchase APR (from) 19.49% -
Interest-free period - -
Foreign transaction fee 0% 0%
Rewards 2 points per $1 on travel and dining; 1.5 points per $1 on all other purchases. Preferred Rewards members earn up to 3.5 points on travel/dining and 2.62 points on other purchases at the top tier. Points worth 1¢ each. 5X FlexPoints on prepaid hotels and car rentals booked through FlexPerks Rewards Center; 3X FlexPoints on dining, takeout, and restaurant delivery; 2X FlexPoints at airlines, gas stations, and EV charging stations; 1X on all other purchases.
Installments Custom Pay Plan available for eligible purchases $100+ U.S. Bank ExtendPay® Plans available
No card fee - -
No foreign transaction fee
Welcome bonus
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Bank of America® Premium Rewards® Credit Card if its checked rows above line up with how you spend most.
  • Choose the U.S. Bank FlexPerks® Gold American Express® Card if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Bank of America® Premium Rewards® Credit Card Full review U.S. Bank FlexPerks® Gold American Express® Card

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