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All comparisons
Head-to-head, 2026

Bank of America Atmos™ Rewards Summit Visa Infinite® 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 Summit Visa Infinite®

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

Top earning rates

  • 3×travel · Atmos Rewards Points
  • 3×restaurants · Atmos Rewards Points
  • 1×all other purchases · Atmos Rewards Points

Key benefits

  • 100,000-point Global Companion Award (Spend Tier) · $1000
  • 25,000-point Global Companion Award · $300
  • Alaska Lounge Passes · $250
  • Free Checked Bag · $140
  • Airport Security Statement Credit · $120
Full Bank of America Atmos™ Rewards Summit Visa Infinite® review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$750
Min spend
$4,000 / 3mo

Top earning rates

  • 5×travel · Chase Ultimate Rewards
  • 3×dining · Chase Ultimate Rewards
  • 3×online grocery · Chase Ultimate Rewards
  • 3×streaming services · Chase Ultimate Rewards

Key benefits

  • Primary Auto Rental CDW · $150
  • DoorDash DashPass · $120
  • Trip Cancellation/Interruption Insurance · $100
  • $50 Hotel Credit · $50
  • No Foreign Transaction Fees · $50
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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