American Express Gold Bank of America Atmos™ Rewards Ascent Visa Signature®
American Express Gold
$325/yr
Bank of America Atmos™ Rewards Ascent Visa Signature®
$95/yr
Every $1 · two cards
American Express Gold earns more in 5 of 9 categories · Bank of America Atmos™ Rewards Ascent Visa Signature® in 3
- Dining4×8¢ per $1
up to $50,000/yr
1×1.55¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
1×1.55¢ per $1 - Gas1×2¢ per $12×3.1¢ per $1
- Flights3×6¢ per $11×1.55¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
1×1.55¢ per $1 - Everything else1×2¢ per $11×1.55¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Bank of America
Atmos™ Rewards Ascent Visa Signature®
- Annual fee
- $95
- Network
- visa
- Welcome value
- ~$700
- Min spend
- $2,500 / 3mo
Top earning rates
- 3×Alaska Airlines and Hawaiian Airlines purchases · Atmos Rewards
- 2×Gas, EV charging station, cable, streaming services and local transit purchases, including rideshare · Atmos Rewards
- 1×All other purchases · Atmos Rewards
Key benefits
- Annual $99 Companion Fare (Spend Tier) · $250
- Free first checked bag · $140
- $100 Alaska Lounge+ Membership Discount · $100
- 20% Inflight Rebate on Food, Beverage and Wi-Fi Onboard Purchases · $0
- $0 Liability Guarantee · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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