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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®

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) · $300
  • Free checked bag · $140
  • Alaska Lounge+ Membership Discount · $100
  • No foreign transaction fees · $0
  • 20% Inflight Rebate · $0
Full Bank of America Atmos™ Rewards Ascent Visa Signature® review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
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.

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