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All comparisons
Head-to-head, 2026

Bank of America Premium Rewards Chase Sapphire Preferred

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

Bigger welcome offer: Chase Sapphire Preferred

Bank of America

Premium Rewards

Annual fee
$95
Network
visa
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 2×Travel · Bank of America Premium Rewards points
  • 2×Dining · Bank of America Premium Rewards points
  • 1.5×All other purchases · Bank of America Premium Rewards points

Key benefits

  • Global Entry / TSA PreCheck Fee Credit · $100
  • Airline Incidental Credit · $100
  • Travel Insurance Protections · $50
  • No Foreign Transaction Fees · $30
  • Purchase & Return Protections · $25
Full Bank of America Premium Rewards 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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