Home › Credit cards › Compare › BofA Travel Rewards vs Chase Sapphire Preferred

BofA Travel Rewards vs Chase Sapphire Preferred

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: BofA Travel Rewards 74.9%, Chase Sapphire Preferred 73.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Travel Rewards nets $346/yr, Chase Sapphire Preferred nets $233/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeRewards: 10.0 · Preferred: 8.0
• Rewards rateRewards: 6.0 · Preferred: 6.0
• Sign-up bonusRewards: 3.3 · Preferred: 10
• Intro 0% APRRewards: 7.1 · Preferred: 0.0
• Regular APRRewards: 8.0 · Preferred: 7.4
• Foreign transaction feeRewards: 10.0 · Preferred: 10.0
• Regulatory record (CFPB)Rewards: 8.0 · Preferred: 10.0

Downsides

• BofA Travel Rewards74.9%
  Bank of America · travel
  Annual fee $0APR 17.74%–27.74% variableRewards 1.5% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ APR up to 27.74% if you carry a balance · Penalty APR up to 29.99% · Late fee up to $40

• Chase Sapphire Preferred73.4%
  Chase · travel
  Annual fee $95APR 19.49%–27.74% variableRewards 5x Chase Travel; 3x dining, gas/EV, streaming & online groceries; 2x other travel; 1x otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Travel Rewards or Chase Sapphire Preferred?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.