Bank of America Premium Rewards vs Chase Sapphire Reserve
Compare these two cards side by side to find the best fit for your spending and travel goals.
Bank of America Premium Rewards Bank of America | Chase Sapphire Reserve Chase | |
|---|---|---|
| Sign-Up Bonus | 60,000 points | 100,000 points |
| Bonus Value | $900 | $1,000 |
| Spend Required | $4,000 | $6,000 |
| Timeframe | 3 months | 3 months |
| Annual Fee | $95 | $795 |
| Base Rewards | 1.5x on all purchases | 1x on other purchases |
| Rewards Currency | Bank of America Points | Ultimate Rewards |
| Network | Visa | Visa |
| Credit Needed | Excellent | Excellent |
Bank of America Premium Rewards Perks
- +$100 airline incidental credit
- +Global Entry/TSA PreCheck credit
- +No foreign transaction fees
Chase Sapphire Reserve Perks
- +Up to $300 in travel statement credits per account anniversary year; qualifying purchases do not earn points
- +Chase Sapphire Lounge and Priority Pass access, subject to enrollment and access terms
- +Up to $500 annually for eligible prepaid stays with The Edit; two-night minimum and up to $250 per booking
- +Up to $120 Global Entry, TSA PreCheck or NEXUS application fee credit every four years
Bank of America Premium Rewards Bonus Categories
- +2x travel
- +2x dining
Chase Sapphire Reserve Bonus Categories
- +8x Chase Travel purchases, including The Edit
- +4x flights booked directly
- +4x hotels booked directly
- +3x dining worldwide
Frequently Asked Questions
Which is better, Bank of America Premium Rewards or Chase Sapphire Reserve?
The Chase Sapphire Reserve offers a higher sign-up bonus value (100,000 points vs 60,000 points). However, the best choice depends on your spending habits, travel preferences, and whether the annual fee is worth it for your situation.
Can I have both the Bank of America Premium Rewards and Chase Sapphire Reserve?
Yes, since the Bank of America Premium Rewards is issued by Bank of America and the Chase Sapphire Reserve is issued by Chase, you can apply for and hold both cards simultaneously.
What credit score do I need for these cards?
The Bank of America Premium Rewards typically requires excellent credit, while the Chase Sapphire Reserve requires excellent credit. A score of 700+ is generally recommended for premium cards.