Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Chase Sapphire Reserve

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Chase Sapphire Reserve card art
Chase Ultimate Rewards
Chase Sapphire Reserve
Chase
More Info
Annual Fee
$95/yr
$795/yr
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
150,000 points
Spend $6,000 in 3 months
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
  • Chase Travel 8x
  • Lyft 5x
  • Flights (Direct) 4x
Reward Type
miles
miles
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
  • Annual Travel Credit $300
  • The Edit Hotel Credit $250
Card Perks
None listed
  • Priority Pass Select
  • Chase Sapphire Lounge by The Club
  • DashPass
  • +3 more
Transfer Partners
No transfer partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Open full comparison tool Compare more cards

Common Questions: Bank of America Premium Rewards vs Chase Sapphire Reserve

Is the Bank of America Premium Rewards or Chase Sapphire Reserve better for dining?

Bank of America Premium Rewards earns 2x on dining; Chase Sapphire Reserve earns 3x on dining. Chase Sapphire Reserve 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 Reserve offers 150,000 pts signup bonus (spend $6,000 in 3 months). Chase Sapphire Reserve 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 Reserve?

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 Reserve is from Chase, so they're governed by separate bank policies.