Bank of America
Bank of America Premium Rewards Elite credit card
Similar Travel profile with a different fee and perk mix.
$550$750 bonus
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Chase
Chase Sapphire Reserve
A premium travel card designed for frequent travelers who can maximize lounge access, credits, and transfer partner value.
Best for TravelBest for DiningBest for General spendingPointsPersonal cardExcellent credit
Year-one value
$2,019
Balanced assumption model with the welcome offer included.
Ongoing value
$769
Rewards plus usable credits minus the annual fee.
Welcome offer
$1,250
$6,000 in 3 months
Usable credits
$643
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
$795
Year-one card cost
Credit needed
Excellent
Issuer approval tier
Required spend
$6,000 / 3 mos
Welcome-offer threshold
Offsetting credits
~$918/yr
Recurring credits in dataset
Bonus ROI
20.8%
Welcome bonus on required spend
How You Earn
Where this card pays you back
Travel
8X points on all purchases through Chase Travel, including The Edit.
Travel
4X points on flights booked direct and 4X points on hotels booked direct.
Dining
3X points on dining worldwide.
General spending
Credits And Perks
What actually offsets the fee
$300 Annual Travel Credit
~$300/yrUp to $300 in statement credits each account anniversary year for eligible travel purchases.
$300 Dining Credit
~$300/yrUp to $150 in statement credits from January through June and again from July through December at eligible Sapphire Exclusive Tables restaurants on OpenTable.
