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Head-to-head, 2026

Bank of America Atmos™ Rewards Visa Signature® Business Card 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 Visa Signature® Business CardBigger welcome offer: Chase Sapphire Reserve

Bank of America

Atmos™ Rewards Visa Signature® Business Card

Annual fee
$95
Network
visa
Welcome value
~$700
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Eligible Alaska Airlines and Hawaiian Airlines purchases
  • 2×Eligible gas, EV charging station, shipping and local transit purchases, including rideshare
  • 1×All other purchases

Key benefits

  • $99 Companion Fare (Spend Tier) · $350
  • Free checked bag · $140
  • $100 off Alaska Lounge+ Membership · $0
  • Travel accident insurance · $0
  • Auto rental coverage · $0
Full Bank of America Atmos™ Rewards Visa Signature® Business Card 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
  • Emergency Evacuation and Transportation · $100000
  • 24-Hour Travel Accident Insurance · $100000
  • Auto Rental Coverage · $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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