Chase Sapphire Preferred® Card vs. Bank of America® Travel Rewards credit card
Side-by-side comparison · Updated 2026 · Independently reviewed
Chase Sapphire Preferred® Card
Chase
4.8
Earn 60,000 bonus points. Strong travel and dining rewards.
Full review →
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 →WealthSpott Verdict
Bank of America® Travel Rewards credit card wins on more measurable categories — particularly annual cost. Chase Sapphire Preferred® Card may still win for your wallet depending on your spending patterns.
Feature
Chase Sapphire Preferred®
Bank of America®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 points
25,000 points
Rewards Rate
1x-5x
1.5x
Rewards Type
Points
Points
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
21.49%-28.49% Variable
19.24%-27.24% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
670-850
Chase Sapphire Preferred® Card
Pros
- Valuable sign-up bonus (60k points)
- 3x on dining and travel
- No foreign transaction fee
Cons
- $95 annual fee
- Points worth more when redeemed for travel through Chase
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
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