Chase Sapphire Reserve® vs Bank of America Cash Rewards
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Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. How does it compare to Bank of America Cash Rewards, a cash back card? Read our comparison chart below.
Keep in mind, the Chase Sapphire Reserve has a
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Chase Sapphire Reserve® | Bank of America® Customized Cash Rewards credit card | |
|---|---|---|
Credit Card Interest Rates & Fees | ||
| Introductory APR for Purchases | N/A | 0% Introductory APR on purchases for 15 billing cycles |
| Introductory APR for Balance Transfers | N/A | 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days |
| Purchase APR | 22.49% to 29.49% Variable based on your creditworthiness and other factors | 18.24% to 28.24% Variable APR on purchases based on your creditworthiness and other factors |
| Balance Transfers APR | 22.49% to 29.49% Variable based on your creditworthiness and other factors | 18.24% to 28.24% Variable APR on balance transfers based on your creditworthiness and other factors |
| Foreign Transaction Fee | $0 | 3% of the amount of each transaction. |
| Annual Fee | ||
Credit Card Rewards & Benefits | ||
| Introductory Bonus Cash Back | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening | |
| Introductory Bonus Offer | Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards® | |
| Cash Back Rewards | Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases | |
| Travel Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases. 1:1 point transfer to leading airline and hotel loyalty programs | |
| Airline Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Hotel Rewards | 1:1 point transfer to leading airline and hotel loyalty programs | |
| Point Rewards | Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases | |
| Airline Status | $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Complimentary Priority Pass™ Select membership for access to 1,300+ airport lounges worldwide. One-time enrollment required for Priority Pass Select | |
| Grocery Rewards | Earn 2% at grocery stores (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) | |
| Dining Rewards | 3x points on dining at restaurants | |
| Airline Transfer Partners | Chase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air Canada, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. | |
CreditDonkey® Credit Card Reviews | ||
| Pros & Cons | Pros:
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| Bottom Line | Ultra premium credit card for luxury travelers... | |
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See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Disclaimer: The information for the Bank of America® Customized Cash Rewards credit card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. Bank of America Cash Rewards: Pricing information including interest rates, rewards, benefits and fees was obtained on August 1, 2023 from published websites and is believed to be accurate, but not guaranteed. | ||
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Which Do You Like and Why?
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