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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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Fact checked
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

Rates & Fees

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Rates & Fees

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finder.com's rating

★★★★★

4.0 / 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 Lyft, 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

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Which card should you choose?

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $750 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
  • Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
  • Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • Signup bonus. Get 25,000 bonus points — worth in statement credit — once you spend $1,000 on purchases in the first 90 days of card membership.
  • Earn points. Earn unlimited 1.5x points on everything you buy. Redeem points for statement credit, flights, hotels, vacation packages, cruises, rental cars or baggage fees.
  • Intro APR period on purchases. Enjoy a 0% intro APR period on purchases for the first 12 statement closing dates. After that, a variable APR of 14.99% to 22.99% applies.

Compare travel credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Chase Sapphire Reserve®
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
16.99% to 23.99% variable
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
14.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
The World of Hyatt Credit Card
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
15.99% to 22.99% variable
$95
Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.
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Compare top Chase travel cards

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