Premium Rewards vs Xbox
Premium Rewards
$95/yr
7.5/10
VS
Xbox
$0/yr
7.0/10
Quick Answer
Premium Rewards charges $95/yr with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Xbox offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Xbox
Lower annual fee ($95 vs $0)
Rewards Earning
Premium Rewards
3 earning categories
Benefits & Protection
Premium Rewards
5 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Xbox wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for XboxPREMIUM PICK
Premium Rewards wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium RewardsRewards Earning: Detailed Comparison
Premium Rewards
| Travel purchases | 2.0X |
| Dining | 2.0X |
| Everything else | 1.5X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Premium Rewards (5 benefits)
- Trip Cancellation and Interruption Insurance (up to $2,500)
- Trip Delay Reimbursement
- Auto Rental Collision Damage Waiver
- Purchase Protection (up to $1,000)
- Extended Warranty
Xbox (0 benefits)
See full review for benefits details.