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All comparisons
Head-to-head, 2026

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

Bank of America

Atmos™ Rewards Summit Visa Infinite®

Annual fee
$395
Network
visa
Welcome value
—
Min spend
$4,000 / 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
  • Annual Wi-Fi Passes · $0
  • Waived Partner Award Booking Fees · $0
Full Bank of America Atmos™ Rewards Summit Visa Infinite® 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
  • 24-Hour Travel Accident Insurance · $100000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $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.

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