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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.

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Megan Horner
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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 5x points on travel through Chase Ultimate Rewards, 3x points on dining, 2x points on all other travel and 1x points 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

Terms apply, see rates & fees

Bank of America® Travel Rewards Credit Card

Bank of America® Travel Rewards Credit Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.6 / 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.

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

5x points on travel through Chase Ultimate Rewards, 3x points on dining and 2x points on all other travel purchases

1.5x points on all purchases
Purchase APR
Purchase APR

15.99% to 22.99% variable

0% intro APR for 15 billing cycles, and then 13.99% to 23.99% variable

Annual fee
Annual fee $95 $0
Balance transfer APR
Balance transfer APR 15.99% to 22.99% variable 13.99% to 23.99% variable
Cash advance
Cash advance

APR: 24.99% variable

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

APR: 16.99% to 26.99% 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 $40 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

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