Chase Sapphire Preferred vs Bank of America Travel Reward | finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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

Two solid rewards cards, but the Chase pulls ahead.

Updated

Fact checked

The winner: Chase Sapphire Preferred® Card

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
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.
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.
loading

Compare up to 4 providers

Compare top Chase travel cards

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site