Bank of America® Travel Rewards credit card vs. American Express® Gold Card
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
American Express® Gold Card
American Express
4.7
4x at restaurants and U.S. supermarkets. $120 dining credit.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. American Express® Gold Card may still win for your wallet depending on how you spend.
Feature
Bank of America®
American Express® Gold
Annual Fee
$0 Best
$250/yr
Sign-up Bonus
25,000 points
60,000 points
Rewards Rate
1.5x
1x-4x
Rewards Type
Points
Points
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
See terms
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
American Express® Gold Card
Pros
- 4x at restaurants worldwide and U.S. supermarkets
- $120 dining credit + $120 Uber credit annually
- No foreign transaction fee
Cons
- $250 annual fee
- Credits require specific merchants to maximise
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