FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or Chase Sapphire Reserve?
Chase Sapphire Reserve returns $2,276 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
Chase Sapphire ReserveChase · $795 fee · 13 credits
NET VALUE+$30$125 credits
NET VALUE+$2,276$3,071 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | SAPPHIRE RESERVE |
|---|---|---|
| 🌎Travel | $125 | $1,050 |
| 🍽️Food & Dining | — | $840 |
| 🎭Entertainment & Media | — | $552 |
| ✨Lifestyle | — | $479 |
| 🚗Transportation |
BEST NET VALUE
FEE$795
CREDITS$3,071
NET+$2,276
Category wins5 of 5
ADDITIONAL BENEFITS
TAKE THE SAPPHIRE RESERVE IF
You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Food & Dining and Entertainment & Media and Lifestyle and Transportation alone are worth $1,991 here and nothing on the Bank of America Premium Rewards.
Where to use each card
BANK OF AMERICA PREMIUM REWARDS
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SAPPHIRE RESERVE
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking freeFrequently asked questions
Which is better, Bank of America Premium Rewards or Chase Sapphire Reserve?
The Chase Sapphire Reserve is better with $2,276 net annual value compared to the Bank of America Premium Rewards at $30. The Chase Sapphire Reserve wins by $2,246/year.
What's the difference between Bank of America Premium Rewards and Chase Sapphire Reserve?
The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,071 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $700.
Which has a lower annual fee, Bank of America Premium Rewards or Chase Sapphire Reserve?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,071 in total annual benefits.
Is the Chase Sapphire Reserve worth it compared to the Bank of America Premium Rewards?
Yes, the Chase Sapphire Reserve offers better value with $2,276 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($795 vs $95), the Chase Sapphire Reserve provides more total benefits.
Bank of America vs Chase: which issuer is better?
For these specific cards, Chase's Chase Sapphire Reserve offers better value with $2,276 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.