Editorial take: Bank of America Travel Rewards
The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.
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Side-by-side
Bank of America Travel Rewards vs Chase Sapphire Preferred
Both are travel travel cards. The Bank of America Travel Rewards comes from Bank of America at $0/yr; the Chase Sapphire Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Chase Sapphire Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,250 more in estimated value) than the Bank of America Travel Rewards's. Get the Chase Sapphire Preferred first; revisit the Bank of America Travel Rewards after you've earned that bonus.
| Feature | Bank of America Travel Rewards | Chase Sapphire Preferred |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 25,000 points | 75,000 points |
| Bonus value (est.) | $250 | $1,500 |
| Min spend to unlock bonus | $1,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Bank of America | Chase |
| Card category | travel | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | chase-ur |
| Headline benefits |
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Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 points
Editorial take: Chase Sapphire Preferred
The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Travel Rewards or Chase Sapphire Preferred?
- The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 25,000 points (~$250) on the Bank of America Travel Rewards.
- Is the Bank of America Travel Rewards's $0 annual fee worth it compared to the Chase Sapphire Preferred?
- The Bank of America Travel Rewards has no annual fee, so the question is whether the Chase Sapphire Preferred's $95 fee is justified by its perks. If you'll use enough of the Chase Sapphire Preferred's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bank of America Travel Rewards.
- Can I have both the Bank of America Travel Rewards and Chase Sapphire Preferred?
- Yes, since they're from different issuers (Bank of America and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Travel Rewards or the Chase Sapphire Preferred first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Travel Rewards: $1,000 spend in 3 months. Chase Sapphire Preferred: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.