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Chase Sapphire Reserve® vs Bank of America Cash Rewards

Compare Rewards, Interest Rates, Fees, and Benefits

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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 credit card? Read our comparison chart below.

Keep in mind, the Chase Sapphire Reserve has a $450 annual fee, while the Bank of America Cash Rewards has a $0 annual fee.

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Chase Sapphire Reserve®

Bank of America® Cash Rewards credit card

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% Introductory APR on purchases for 15 billing cycles
Introductory APR for Balance TransfersN/A0% Intro APR for 15 billing cycles for balance transfers made in the first 60 days
Purchase APR18.49% to 25.49% Variable based on your creditworthiness and other factors15.49% to 25.49% Variable APR based on your creditworthiness and other factors
Balance Transfers APR18.49% to 25.49% Variable based on your creditworthiness and other factors15.49% to 25.49% Variable APR based on your creditworthiness and other factors
Foreign Transaction Fee$03% of the amount of each transaction.
Annual Fee$450 annual fee$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Earn a $200 online cash rewards bonus after you spend at least $1,000 on purchases within the first 90 days of account opening.
Introductory Bonus OfferEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards® 
Cash Back Rewards Earn 3% cash back in your choice category and 2% cash back at grocery stores and wholesale clubs (on up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn 1% on all other purchases.
Travel Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
1:1 point transfer to leading airline and hotel loyalty programs
 
Airline Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point Rewards3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. 
Airline Status$300 Annual Travel Credit (as reimbursement for travel purchases charged to your card).
Complimentary Priority Pass™ Select membership for access to 1,000+ airport lounges worldwide. Enrollment required for Priority Pass Select
 
Gas Rewards Gas Rewards
Grocery Rewards Grocery Rewards
Dining Rewards3X points on dining at restaurants 
Airline Transfer PartnersChase airline transfer partners include United Airlines, Southwest Airlines, JetBlue, British Airways, Air France, Singapore Airlines, Virgin Atlantic, Iberia, Emirates, and Aer Lingus. 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $450 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineUltra premium credit card for luxury travelers... Read full review
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What Others View

    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® 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 December 2, 2019 from published websites and is believed to be accurate, but not guaranteed.


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    Compare Chase Sapphire Reserve to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95
    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    $250

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    Compare Bank of America Cash Rewards to:

    Chase Freedom Unlimited
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% for 15 months
    0% for 15 months
    16.49% - 25.24% Variable
    $0


    Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on RewardsConciergeExtended Warranty$0 Fraud Liability
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    0% intro on purchases for 15 months
    0% intro on balance transfers for 15 months
    15.74% - 25.74% (Variable)
    $0

    Disclaimer: The information for the Capital One® Quicksilver® 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.

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    About CreditDonkey®
    CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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    *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

    CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.