Compare Cards: Bank of America® Premium Rewards® Credit Card vs. Bank of America® Travel Rewards Credit Card vs. Chase Sapphire Preferred® Card

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Earning Rates	Bank of America® Premium Rewards® Credit Card Bank of America cash-backpremium Details	Bank of America® Travel Rewards Credit Card Bank of America travelno-annual-feecash-back Details	Chase Sapphire Preferred® Card Chase travelpremiumtransferabledining Details
First-year value Welcome offer + annual credits − annual fee	+$705	+$250	+$1,280
Annual Fee	$95	Waived	$95
Credit Required	Excellent	Good	Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	60,000 pts Earn 60,000 online bonus points (a $600 value) after making at least $3,000 in purchases in the first 90 days. Spend $3,000 in 3 mo	$250 $250 cash back 0	75,000 pts Earn 75,000 Ultimate Rewards points after spending $5,000 in purchases in the first 3 months from account opening. Updated after the 100,000-point limited-time offer ended; Chase official page showed 75,000 points on 2026-07-30. Spend $5,000 in 3 mo
Network	visa	visa	visa
Earning Rates
All other travel	—	—	2× Earn 2x points on all other travel worldwide
Dining	2× 2x points on dining purchases	—	3× Earn 3x points on dining worldwide, including takeout and eligible delivery services
Gas and EV charging	—	—	3× NEW 3x points on gas and EV charging
Online grocery purchases	—	—	3× NEW 3x points on online grocery purchases (excluding Walmart, Target, and wholesale clubs)
Other	1.5× 1	1.5×	1× Earn 1x points on all other purchases
Top streaming services	—	—	3× NEW 3x points on top streaming services
Travel	2× 2x points on travel purchases (directly-booked travel, airlines, hotels, etc	3× Booked through Bank of America Travel Center - Center	5× Earn 5x points on Chase Travel purchases
Vacation homes	—	—	3× NEW 3x points on vacation homes at top brands like Airbnb and Vrbo
Benefits & Credits	Annual Credits Airline Incidental Statement Credit - Up to $100 in annual statement credits for qualifying airline incidental purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees Global Entry / TSA PreCheck Credit - Up to $100 statement credit every four years for Global Entry or TSA PreCheck application fees charged to the card Other Benefits No Foreign Transaction Fees: No foreign transaction fees		Annual Credits Chase Travel Hotel Credit - $100/year on hotels booked through Chase Travel portal Other Benefits Trip Cancellation/Interruption Insurance: Up to $10,000 per covered trip Auto Rental Collision Damage Waiver: Primary coverage Travel Emergency Services: 24/7 assistance Emergency Evacuation and Transportation: Up to $100,000 in coverage Complimentary Apple TV: One year when activated by December 31, 2026
Insurance	Trip Delay Primary Purchase Protection Extended Warranty		Trip Cancellation Trip Delay Primary Purchase Protection Return Protection Extended Warranty