Bank of America Unlimited Cash Rewards vs Chase Sapphire Preferred Card
Compare the Bank of America Unlimited Cash Rewards ($0/yr) against the Chase Sapphire Preferred Card ($95/yr) to see which card earns you more rewards based on your spending.
See how the Bank of America Unlimited Cash Rewards and Chase Sapphire Preferred Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Bank of America Unlimited Cash Rewards | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | 75,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Travel Rewards | 1.5% | 5% |
| Dining Rewards | 1.5% | 3% |
| Grocery Rewards | 1.5% | 3% |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
| Issuer | Bank of America | Chase |
Quick Summary
The Bank of America Unlimited Cash Rewards has a $0 annual fee (saving you $95/year compared to Chase Sapphire Preferred Card).
Bank of America Unlimited Cash Rewards has a higher base reward rate (1.5% vs 1.0%).
Which Card is Better for Your Spending?
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