Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

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

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

Lower annual fee: Bank of America Atmos™ Rewards Ascent Visa Signature®Bigger welcome offer: Chase Sapphire Reserve

Bank of America

Atmos™ Rewards Ascent Visa Signature®

Annual fee
$100
Network
visa
Welcome value
~$700
Min spend
$2,500 / 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) · $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 Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150
  • 8×Chase Travel purchases
  • 5×Lyft rides
  • 4×Flights and hotels booked direct

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Coverage · $75000
  • Trip Cancellation and Interruption Insurance · $10000
Full Chase Sapphire Reserve 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.

Get my personal answer