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All comparisons
Head-to-head, 2026

Bank of America Atmos™ Rewards Ascent Visa Signature® Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bigger welcome offer: Chase Sapphire Preferred

Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$95
Network
visa
Welcome value
~$500
Min spend
$1,500 / 3mo

Top earning rates

  • 3×Alaska Airlines and Hawaiian Airlines purchases
  • 2×Gas, EV charging station, cable, streaming services and local transit purchases, including rideshare
  • 1×All other purchases

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
  • 10% rewards bonus with an eligible Bank of America account · $0
Full Bank of America Atmos™ Rewards Ascent Visa Signature® review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

  • Complimentary Apple TV · $156
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

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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