Bank of America® Travel Rewards credit card vs. Chase Sapphire Reserve®
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
Chase Sapphire Reserve®
Chase
4.7
10x on Chase Travel. $300 travel credit. Priority Pass lounge access.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. Chase Sapphire Reserve® may still win for your wallet depending on how you spend.
Feature
Bank of America®
Chase Sapphire Reserve®
Annual Fee
$0 Best
$550/yr
Sign-up Bonus
25,000 points
60,000 points
Rewards Rate
1.5x
1x-10x
Rewards Type
Points
Points
0% Intro APR
0% for 15 billing cycles
N/A
Regular APR
19.24%-27.24% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
720-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Chase Sapphire Reserve®
Pros
- $300 annual travel credit offsets fee
- 10x on Chase Travel portal purchases
- Priority Pass lounge access worldwide
- 3x on dining and travel outside Chase portal
Cons
- $550 annual fee — one of the highest
- Overkill if you don't travel frequently
- Annual fee was recently raised from $450
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