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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 PreferredBigger welcome offer: Chase Sapphire Preferred

Bank of America

Atmos™ Rewards Summit Visa Infinite®

Annual fee
$395
Network
visa
Welcome value
~$700
Min spend
$3,000 / 3mo

Top earning rates

  • 3×Eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases
  • 1×All other purchases

Key benefits

  • Free first checked bag · $140
  • Airport Security Statement Credit · $120
  • $50 Instant Travel Delay Credit · $50
  • Concierge Service · $0
  • Visa Infinite Luxury Hotel Collection · $0
Full Bank of America Atmos™ Rewards Summit Visa Infinite® review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases
  • 5×Peloton equipment and accessory purchases over $150
  • 5×Lyft rides
  • 3×Online groceries

Key benefits

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