
American Express
American Express Gold Card
Similar Dining profile with a different fee and perk mix.
Bank of America
Best for high earners who will actually use the travel credits, lounge access, and boosted redemption value.
Last verified Mar 25, 2026. Confirm live issuer terms before applying.
Bottom line
Strong fit if your spend and credits line up
Bonus ROI
15%
Welcome bonus on required spend
Annual fee
$550
Annual card cost
Credit needed
Excellent
Issuer approval tier
Required spend
$5,000 / 3 mos
Welcome-offer threshold
Travel
2x
Dining
2x
General spending
1.5x
Credits And Perks
Preferred Rewards Upside
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Trusted Traveler Credit
Premium Rewards cards are positioned as travel cards and commonly include Global Entry or TSA PreCheck application-fee value.
No Foreign Transaction Fees
Eligible international purchases do not incur an added foreign transaction surcharge.
Travel Rewards Ecosystem
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Issuer Offer
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
Go to issuer offerCompare Next

American Express
Similar Dining profile with a different fee and perk mix.

Chase
Similar Travel profile with a different fee and perk mix.

American Express
Similar Travel profile with a different fee and perk mix.