Save money and be informed. CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

Chase Sapphire Reserve® vs Bank of America Cash Rewards

Compare Rewards, Interest Rates, Fees, and Benefits

Chase is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

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 $550 annual fee, while the Bank of America Cash Rewards has a $0 annual fee.

 Apply Now
 

Chase Sapphire Reserve®

Bank of America® Customized 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 any balance transfers made in the first 60 days
Purchase APR16.99% to 23.99% Variable based on your creditworthiness and other factors13.99% to 23.99% Variable APR on purchases based on your creditworthiness and other factors
Balance Transfers APR16.99% to 23.99% Variable based on your creditworthiness and other factors13.99% to 23.99% Variable APR on balance transfers based on your creditworthiness and other factors
Foreign Transaction Fee$03% of the amount of each transaction.
Annual Fee$550 annual fee$0 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 OfferEarn 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 RewardsEarn 5X total points on air travel 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 Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Hotel Rewards1:1 point transfer to leading airline and hotel loyalty programs 
Point RewardsEarn 5X total points on air travel 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. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
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 Rewards3X points on dining at restaurants 
Airline Transfer PartnersChase 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 & ConsPros:
  • Bonus points
  • Annual travel credit
  • Elite travel benefits
Cons:
  • $550 annual fee
  • No introductory annual fee
  • No intro APR
Bottom LineUltra premium credit card for luxury travelers... Read full review
 Apply Now

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 April 9, 2020 from published websites and is believed to be accurate, but not guaranteed.


Articles on Chase Sapphire Reserve®

Chase Sapphire Reserve

With excellent rewards and premium travel benefits, the Chase Sapphire Reserve is meant for frequent travelers. Read on to decide if the $550 annual fee is worth it for you.

Chase Sapphire Reserve Benefits

Chase Sapphire Reserve has benefits you may not know. Don't waste these valuable perks. Read this guide to maximize Chase Sapphire Reserve benefits.

Chase Sapphire Reserve Credit Score

You usually need an excellent credit score for Chase Sapphire Reserve (720+). But this is not the only factor. Here's how to improve your approval odds.

Chase Sapphire Reserve Lounge Access

Airport lounge access is one of Chase Sapphire Reserve's best benefits. Learn how to maximize this benefit including what lounges you can enter, how to use it, and the guest policy.

Chase Sapphire Reserve Rental Car Insurance

Chase Sapphire Reserve offers primary coverage for rental cars. Learn what this covers, how to use it, and how to file a claim.

Chase Sapphire Reserve Credit Limit

Many Chase Sapphire Reserve users receive a credit limit of $10,000 - $25,000. Find out how Chase determines your credit limit and how to get an increase.
Chase Sapphire Reserve Priority Pass: What You Need to Know

Chase Sapphire Reserve Priority Pass

Priority Pass membership is one of Chase Sapphire Reserve's best benefits. Here is everything you need to know to sign up, activate and use it.

Which Do You Like and Why?





Compare Chase Sapphire Reserve to:

Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
15.99% - 22.99% Variable
Annual Fee
$95
American Express Platinum

The Platinum Card® from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$695
American Express Gold

American Express® Gold Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
$250

You might also be interested in

Discount Travel Websites

Discount Travel Sites

Save money on your next vacation. These top travel websites offer deep discounts and worthwhile deals on airfare, hotel rooms, and car rentals.

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.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*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.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2021 CreditDonkey Inc. All Rights Reserved.