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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.

Lower annual fee: Chase Sapphire Preferred

Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$100
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 5×Climate-positive actions and sustainable partner brands · cash_back_percent
  • 5×Electric vehicle charging and public transportation · cash_back_percent
  • 1×All other purchases · cash_back_percent

Key benefits

  • Annual $99 Companion Fare (Spend Tier) · $400
  • Free first checked bag · $140
  • Status points from card spending · $0
  • $100 off Alaska Lounge+ Membership · $0
  • Preferred boarding · $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×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $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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