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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) · $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×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • $500 credit for stays with The Edit · $500
  • $500 Southwest Airlines Chase Travel credit (Spend Tier) · $500
  • $300 in StubHub credits · $300
  • Reserve Travel Designers · $300
  • Annual Travel Credit · $300
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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