The Chase Sapphire Preferred edges out the Bank of America Premium Rewards for most cardholders — it wins on 2 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 5x vs 2x). The Bank of America Premium Rewards is the better choice if you prioritize a different rewards ecosystem.
Bank of America Premium Rewards vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Chase Sapphire Preferred is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. Bank of America Premium Rewards still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if you will actually use recurring statement credits and premium benefits.
Best if your main priority is the larger current welcome offer.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- Chase Travel 5x
- Dining 3x
- Streaming 3x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
- DoorDash Dashpass (~$100/yr)
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Chase Sapphire Preferred edges out the Bank of America Premium Rewards for most cardholders — it wins on 2 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 5x vs 2x). The Bank of America Premium Rewards is the better choice if you prioritize a different rewards ecosystem. On raw upside, Chase Sapphire Preferred tops out at 5x versus 2x for Bank of America Premium Rewards. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $1500 for Chase Sapphire Preferred. Updated June 8, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-chase-sapphire-preferred
- Chase Sapphire Preferred wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Chase Sapphire Preferred reaches 5x; Bank of America Premium Rewards reaches 2x.
- Annual fee: Chase Sapphire Preferred is $95/yr; Bank of America Premium Rewards is $95/yr.
- Current public bonus values are approximately $600 and $1500.
Common Questions: Bank of America Premium Rewards vs Chase Sapphire Preferred
Is the Bank of America Premium Rewards or Chase Sapphire Preferred better for dining?
Bank of America Premium Rewards earns 2x on dining; Chase Sapphire Preferred earns 3x on dining. Chase Sapphire Preferred wins for dining.
Which has the higher signup bonus in 2026?
Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Chase Sapphire Preferred offers 75,000 pts signup bonus (spend $5,000 in 3 months). Chase Sapphire Preferred has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Premium Rewards and the Chase Sapphire Preferred?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Chase Sapphire Preferred is from Chase, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.