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Bank of America Atmos Rewards Visa Signature Business Card vs Premium Rewards

Both are Bank of America cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate
  2. Premium Rewards 1.5% 1.5x base rate

Dining

  1. Premium Rewards 2.0% 2x
  2. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate

Gas

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Premium Rewards 1.5% 1.5x base rate

Shipping

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Premium Rewards 1.5% 1.5x base rate

Flights

  1. Atmos Rewards Visa Signature Business Card 4.7% 3x
  2. Premium Rewards 2.0% 2x

Hotels

  1. Premium Rewards 2.0% 2x
  2. Atmos Rewards Visa Signature Business Card 1.6% 1x base rate

Public transit

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Premium Rewards 1.5% 1.5x base rate

Rideshare & taxis

  1. Atmos Rewards Visa Signature Business Card 3.1% 2x
  2. Premium Rewards 1.5% 1.5x base rate

What the numbers are doing

Atmos Rewards Visa Signature Business Card tops everything else at 1.6% only because this table values its points at 1.55 cents each. Value them at one cent and Premium Rewards wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Atmos Rewards Visa Signature Business Card $70 and Premium Rewards $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Atmos Rewards Visa Signature Business Card takes everything else, gas, shipping and flights, plus 2 more; Premium Rewards takes dining and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseAtmos Rewards Visa Signature Business Card1.6%
DiningPremium Rewards2.0%
GasAtmos Rewards Visa Signature Business Card3.1%
ShippingAtmos Rewards Visa Signature Business Card3.1%
FlightsAtmos Rewards Visa Signature Business Card4.7%
HotelsPremium Rewards2.0%
Public transitAtmos Rewards Visa Signature Business Card3.1%
Rideshare & taxisAtmos Rewards Visa Signature Business Card3.1%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Atmos Rewards Visa Signature Business Card — 1.6%
  2. Premium Rewards — 1.5%

Dining

  1. Premium Rewards — 2.0%
  2. Atmos Rewards Visa Signature Business Card — 1.6%

Gas

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Premium Rewards — 1.5%

Shipping

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Premium Rewards — 1.5%

Flights

  1. Atmos Rewards Visa Signature Business Card — 4.7%
  2. Premium Rewards — 2.0%

Hotels

  1. Premium Rewards — 2.0%
  2. Atmos Rewards Visa Signature Business Card — 1.6%

Public transit

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Premium Rewards — 1.5%

Rideshare & taxis

  1. Atmos Rewards Visa Signature Business Card — 3.1%
  2. Premium Rewards — 1.5%
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