First-year winner
Chase Sapphire Preferred Card
$286 Year 1 edge
$1,271 vs $984
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
Bank of America Premium Rewards credit card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Preferred Rewards Upside
Other · No listed cash value
Eligible Bank of America relationship customers can unlock higher effective earnings through the issuer’s relationship-based rewards boost programs.
Perk
Trusted Traveler Credit
Tsa Global Entry · No listed cash value
Premium Rewards cards are positioned as travel cards and commonly include Global Entry or TSA PreCheck application-fee value.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Card B
Chase Sapphire Preferred Card
Counted benefits
$30
Credits
$30
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
$50 Annual Hotel Credit
Travel Credits · Listed $50/yr
Receive up to $50 in statement credits each account anniversary year for eligible hotel stays booked through Chase Travel.
Perk
DashPass Membership
Other · No listed cash value
Cardholders can receive a complimentary DashPass membership window with DoorDash benefits.
Perk
DoorDash Monthly Promo
Other · No listed cash value
Eligible cardholders can receive a monthly DoorDash promotional benefit during the active program window.
Perk
10% Anniversary Points Boost
Other · No listed cash value
Each account anniversary, you can receive bonus points equal to 10% of the total purchases made during the prior year.
Perk
Trip Cancellation and Interruption Insurance
Travel Insurance · No listed cash value
Can reimburse covered prepaid travel expenses when a qualifying trip is canceled or interrupted for a covered reason.
Perk
Trip Delay Reimbursement
Travel Insurance · No listed cash value
Can reimburse eligible out-of-pocket expenses when a covered trip is delayed beyond the issuer's threshold.
Perk
Baggage Delay Insurance
Travel Insurance · No listed cash value
Can reimburse essential purchases when baggage is delayed on a covered trip.
Perk
Primary Auto Rental Coverage
Rental Car · No listed cash value
Can provide primary coverage for theft and collision damage on eligible rental cars.
Perk
Purchase Protection
Purchase Protection · No listed cash value
Can help protect eligible new purchases against damage or theft for a limited period after purchase.
Perk
Extended Warranty Protection
Extended Warranty · No listed cash value
Can extend the original U.S. manufacturer's warranty on eligible purchases.
Verdict
Chase Sapphire Preferred wins year 1 and long term.
Winner after year 1
Chase Sapphire Preferred Card
$136 ongoing edge
$521 vs $384
Long-term breakeven: the higher-reward option needs roughly $0 per year in this spend mix to overcome the fee and benefit gap.
Bank of America
Bank of America Premium Rewards credit card
Year One
$984
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$384
Annual rewards + counted benefits - fee
Annual Rewards
$479
1.64% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$4,000
3 mo window · $1,333/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Chase
Chase Sapphire Preferred Card
Year One
$1,271
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$521
Annual rewards + counted benefits - fee
Annual Rewards
$586
2.01% effective return
Welcome Offer
$750
Current listed first-year bonus value
Credits + Perks
$30
$30 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
2x
$5,400
Bank of America Premium
$108
2.00%
Chase Sapphire Preferred
$162
3.00%
Groceries
1.5x
$7,800
Bank of America Premium
$117
1.50%
Chase Sapphire Preferred
$234
3.00%
Travel
2x
$3,000
Bank of America Premium
$60
2.00%
Chase Sapphire Preferred
$60
2.00%
Gas
1.5x
$1,920
Bank of America Premium
$29
1.50%
Chase Sapphire Preferred
$19
1.00%
General
1.5x
$11,040
Bank of America Premium
$166
1.50%
Chase Sapphire Preferred
$110
1.00%
Total annual spend
$29,160 across this mix
Bank of America Premium$479
Chase Sapphire Preferred$586
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | Bank of America Premium Rewards credit card | Chase Sapphire Preferred Card |
|---|---|---|
| Costs | ||
| Annual fee | $95 | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 2x | 3x 3X points on dining at restaurants, including eligible delivery services, takeout, and dining out. |
| Groceries rewards | — | 3x 3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs. |
| Streaming rewards | — | 3x 3X points on select streaming services. |
| Travel rewards | 2x | 5x 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit. |
| All rewards | 1.5x | 1x |
| Offer | ||
| Welcome offer | 60,000 online bonus points Spend $4,000 in 3 mo | 75,000 bonus points Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. |
| Benefits | ||
| Estimated benefits | 4 listed | ~$50/yr |
| Benefit highlights | Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more | $50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | visa |
| Reward type | Points | Points |
Costs
Annual fee
Bank of America Premium Rewards credit card
$95
Chase Sapphire Preferred Card
$95
Foreign transaction fee
Bank of America Premium Rewards credit card
None
Chase Sapphire Preferred Card
None
Rewards
Dining rewards
Bank of America Premium Rewards credit card
2x
Chase Sapphire Preferred Card
3x
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out.
Groceries rewards
Bank of America Premium Rewards credit card
—
Chase Sapphire Preferred Card
3x
3X points on select online grocery purchases, excluding Target, Walmart, and wholesale clubs.
Streaming rewards
Bank of America Premium Rewards credit card
—
Chase Sapphire Preferred Card
3x
3X points on select streaming services.
Travel rewards
Bank of America Premium Rewards credit card
2x
Chase Sapphire Preferred Card
5x
5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit.
All rewards
Bank of America Premium Rewards credit card
1.5x
Chase Sapphire Preferred Card
1x
Offer
Welcome offer
Bank of America Premium Rewards credit card
60,000 online bonus points
Spend $4,000 in 3 mo
Chase Sapphire Preferred Card
75,000 bonus points
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Benefits
Estimated benefits
Bank of America Premium Rewards credit card
4 listed
Chase Sapphire Preferred Card
~$50/yr
Benefit highlights
Bank of America Premium Rewards credit card
Preferred Rewards Upside · Trusted Traveler Credit · No Foreign Transaction Fees · +1 more
Chase Sapphire Preferred Card
$50 Annual Hotel Credit · DashPass Membership · DoorDash Monthly Promo · +7 more
Profile
Credit needed
Bank of America Premium Rewards credit card
Good
Chase Sapphire Preferred Card
Good
Network
Bank of America Premium Rewards credit card
visa
Chase Sapphire Preferred Card
visa
Reward type
Bank of America Premium Rewards credit card
Points
Chase Sapphire Preferred Card
Points