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Head-to-head, 2026

Bank of America Premium Rewards Elite 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 Premium Rewards EliteBigger welcome offer: Chase Sapphire Reserve

Bank of America

Premium Rewards Elite

Annual fee
$550
Network
visa
Welcome value
$750
Min spend
$5,000 / 3mo

Top earning rates

  • 2×Travel · Bank of America Premium Rewards
  • 2×Dining · Bank of America Premium Rewards
  • 1.5×All Other Purchases · Bank of America Premium Rewards

Key benefits

  • Airline Incidental Statement Credit · $300
  • Priority Pass Select Memberships · $250
  • Lifestyle Statement Credit · $150
  • Premium Hotel Benefits · $150
  • Global Entry/TSA PreCheck Credit · $100
Full Bank of America Premium Rewards Elite review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
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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