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Head-to-head, 2026

Bank of America Atmos™ Rewards Visa Signature® Business Card Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Bank of America

Atmos™ Rewards Visa Signature® Business Card

Annual fee
$95
Network
visa
Welcome value
—
Min spend
—

Top earning rates

  • 3×Alaska Airlines purchases · Alaska Airlines Mileage Plan
  • 1×all other purchases · Alaska Airlines Mileage Plan

Key benefits

  • 1x Miles on All Purchases · $330
  • Famous Companion Fare™ · $300
  • Free First Checked Bag · $210
  • 3x Miles on Alaska Airlines Purchases · $135
  • $100 Alaska Lounge+ Discount · $100
Full Bank of America Atmos™ Rewards Visa Signature® Business Card 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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