Head-to-head · 🇺🇸 United States
Amex Blue Cash Everyday vs Bank of America Premium Rewards
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Blue Cash Everyday
AMERICAN
EXPRESS
EXPRESS
Wins 3 of 10
US
Bank of America
Bank of America Premium Rewards
VISA
Wins 3 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Blue Cash Everyday | Bank of America Premium Rewards |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | 3% (shopping) | · 2% (travel) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | · 2.7% | No FX fee |
| Welcome bonus | = $200 statement credit after $2,000 spend in first 6 months | = 60,000 points after $4,000 spend in 90 days |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 720 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
Bank of America Premium Rewards
- 2x on travel + dining
- 1.5x on everything else
- Up to 75% bonus for Preferred Rewards (Platinum Honors tier)
- $100 annual airline incidental credit
- $100 Global Entry/TSA PreCheck credit
FAQ
›Amex Blue Cash Everyday vs Bank of America Premium Rewards: which is better?
It's a true tie — pick the one whose boost categories match your spend. Amex Blue Cash Everyday wins on 3 criteria, Bank of America Premium Rewards on 3.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Everyday for its best categories, Bank of America Premium Rewards for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months. Bank of America Premium Rewards: 60,000 points after $4,000 spend in 90 days.