Chase Sapphire Preferred vs Bank of America Travel Reward | finder.com
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Chase Sapphire Preferred® Card vs Bank of America® Travel Rewards Credit Card

Two solid rewards cards, but the Chase pulls ahead.

Megan Horner
Megan Horner

Updated

Fact checked

The winner: Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card logo

Up to 5x

Points

  • Signup bonus worth $750 with Chase Ultimate Rewards
  • 1:1 point transfer to partner hotels and airlines
  • Up to $50 statement credit towards groceries
Apply now
The main differences you’ll find between these two travel cards are their annual fees, earning rates and signup bonuses. The Chase Sapphire Preferred® Card costs $95 per year, offers a 60,000 point signup bonus, and earns 2x points on travel and dining and 1x on everything else. The Bank of America® Travel Rewards Credit Card card skips the annual fee, but offers a 25,000 point signup bonus and just 1.5x points on all purchases.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

See rates & fees

Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

See rates & fees
Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

3.2 / 5.0
Best for
Best for
  • Travel rewards and a great signup bonus
  • No-annual-fee travel rewards
Welcome offer
Welcome offer

60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.

25,000 points after spending $1,000 in the first 90 days
Rewards
Rewards

5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases

1.5x points on all purchases
Purchase APR
Purchase APR

15.99% to 22.99% variable

0% intro APR for 12 statement closing dates, and then 14.99% to 22.99% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 22.99% variable 14.99% to 22.99% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 17.99% to 25.99% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 25 days
Minimum interest
Minimum interest $0 $1.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Compare Chase Sapphire Preferred® Card vs. Bank of America® Travel Rewards Credit Card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards. Plus up to $50 statement credit towards groceries.
5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 plus up to $50 statement credit towards groceries with this popular travel card.
Apply now
View details
Bank of America® Travel Rewards Credit Card
Bank of America® Travel Rewards Credit Card
25,000 points after spending $1,000 in the first 90 days
1.5x points on all purchases
$0
Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening.
View details
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