Credit Cards » Compare Credit Cards » Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve
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Bank of America Premium Rewards Elite vs. Chase Sapphire Reserve

While both cards offer premium travel perks, the Chase Reserve is the winner as it provides better travel perks and more redemption options.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Bank of America Premium Rewards Elite and Chase Sapphire Reserve are two elite credit cards that cater to the discerning needs of frequent travelers and individuals seeking premium rewards and benefits.

In this comparison, we'll delve into the key features of each card to help you decide which one aligns better with your financial and lifestyle preferences.

General Comparison

Both cards offer a range of supplementary travel perks, such as lounge access and diverse credit statements, catering to a wide array of customer preferences. 

The Chase Reserve card offers better points, rewards ratio, and most categories. 

Bank of America® Premium Rewards® Elite

Chase Sapphire Reserve
BofA Premium Rewards Elite
Annual Fee
$550
$550
Rewards

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

2 points for every dollar you spend on travel or dining purchases, with 1.5 points per dollar on all your other purchases
Welcome bonus
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 bonus points if you spend $5,000 or more within 90 days of opening your account
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
$0
Purchase APR
22.49%–29.49% variable
20.24% – 27.24%
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Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Rewards: Which Card Gives More?

When it comes to point rewards comparison, there is a clear winner – the Chase Reserve card. For the same spend, customers can earn much more points.

Unlike Chase Ultimate Rewards, Bank of America rewards points cannot be transferred to travel partners.

Bank of America® Premium Rewards® Elite

Spend Per Category
Chase Sapphire Reserve
BofA Premium Rewards Elite
$10,000 – U.S Supermarkets
10,000 points
15,000 points
$5,000 – Restaurants
15,000 points
10,000 points
$6,000 – Hotels
60,000 points
12,000 points
$8,000 – Airline
40,000 points
16,000 points
$4,000 – Gas
4,000 points
6,000 points
Total Points
129,000 points
59,000 points
Estimated Redemption Value
1 point ~ 1 – 1.5 cent
1 point ~ 1 cent
Estimated Annual Value
$1,290 – $1,935
$590

Travel Benefits: BofA Premium Rewards Elite vs. Chase Reserve

As luxury travel credit cards, both the BofA Premium Rewards Elite and the Chase Sapphire Reserve offer a variety of travel perks. 

Chase Sapphire Reserve

  • $300 Annual Travel Credit: Receive up to $300 in statement credit each year for various travel purchases.
  • 50% More Value for Travel Redemption: Redeem points for travel and get 50% more value, e.g., 60,000 points are worth $900.
  • Complimentary Airport Lounge Access: Enjoy free access to over 1,300 airport lounges worldwide for you and up to two guests.
  • Global Entry/TSA PreCheck/NEXUS Fee Credit: Receive up to $100 in statement credit every four years for application fees.
  • 24/7 Customer Service: Access dedicated customer service specialists around the clock.
  • Lyft Pink Membership: Get 2 complimentary years of Lyft Pink All Access, including discounts and rewards.
  • DoorDash DashPass Subscription: Enjoy a year of $0 delivery fees and lower service fees on eligible orders.
  • Monthly DoorDash Credit: Receive $5 in DoorDash credits each month through Dec 31, 2024.
  • Instacart Membership: Get 1 year of complimentary Instacart+ for grocery delivery.
  • Monthly Instacart Credit: Instacart+ members earn up to $15 in statement credits each month through July 2024.
  • Priority Pass Select Membership: Access 1,300+ VIP airport lounges worldwide.
  • Luxury Hotel & Resort Collection: Receive room upgrades, daily breakfast, late checkout, and other benefits at select hotels and resorts.
  • 10x on Peloton Purchases: Earn 10x total points on Peloton equipment and accessories over $150 through March 31, 2025.
BofA Premium Rewards Elite

Bank of America® Premium Rewards® Elite

  • $300 Airline Incidental Statement Credits: Receive up to $300 annually for qualifying purchases like seat upgrades, baggage fees, airline lounge fees, and in-flight services.
  • $150 Lifestyle Convenience Credits: Get up to $150 annually for lifestyle services such as video streaming, food delivery, fitness subscriptions, and rideshare services.

  • 20% Off Airfare with Points: Save 20% on domestic or international airfare for any class when you pay with points.

  • $100 TSA PreCheck® or Global Entry: Get up to $100 for TSA PreCheck® or Global Entry application fees every four years, providing a convenient way to streamline your airport security experience.
  • 25%-75% More Points: Bank of America Preferred Rewards® members earn 25%-75% more points on every purchase.
  • Priority Pass Lounge Access: Enjoy free, unlimited access to airport lounges and experiences worldwide with up to 4 complimentary Priority Pass™ Select Memberships.

  • 24/7 Concierge Service: Access a complimentary 24/7 Full-Service Concierge for assistance with travel bookings, dinner reservations, event tickets, and more.

  • Visa Infinite Car Rental Benefits: Receive VIP amenities, complimentary status upgrades, and discounts with car rental providers like Avis, Hertz, National, and Audi on demand.

  • Visa Infinite Luxury Hotel Collection: Enjoy premium hotel benefits including late checkouts, daily breakfast for two, automatic upgrades, and more (benefits may vary based on availability).

Insurance Benefits: Comparison

Both cards offer a variety of insurance benefits for travelers- but the Chase Reserve card is the winner here as it offers more types of protections. 

Chase Sapphire Reserve

  • Auto Rental Collision Damage Waiver: Decline rental company insurance, charge rental costs to your card, and get primary coverage up for theft and collision damage on rental cars worldwide.

  • Trip Cancellation / Interruption Insurance: Receive reimbursement up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses if your trip is canceled or shortened due to covered reasons like sickness or severe weather.

  • Trip Delay Reimbursement: If your common carrier travel is delayed over 6 hours or requires an overnight stay, you're covered for unreimbursed expenses, such as meals and lodging.

  • Travel Accident Insurance: Pay for air, bus, train, or cruise transportation with your card and get accidental death or dismemberment coverage of up to $1,000,000.

  • Travel and Emergency Assistance Services: Benefit from legal and medical referrals or other emergency assistance away from home, with coverage for incurred costs (excluding goods or services obtained).

  • Lost Luggage Reimbursement: If your checked or carry-on luggage is damaged or lost by the carrier, receive coverage up to $3,000 per passenger.

  • Baggage Delay Insurance: Get reimbursed for essential purchases like toiletries and clothing if your baggage is delayed over 6 hours by a passenger carrier, up to $100 a day for 5 days.

  • Travel and Emergency Assistance Services: Offers access to legal and medical referrals and other travel emergency assistance when you encounter problems away from home.
  • Emergency Evacuation and Transportation: Provides coverage for medical services and transportation in case of an emergency evacuation during a trip far from home.
  • Roadside Assistance: Offers roadside services like towing, jumpstarts, tire changes, locksmith, or gas.
  • Emergency Medical and Dental Benefit: Provides reimbursement of up to $2,500 for medical expenses if you or an immediate family member become sick or injured while 100 miles or more from home on a trip.
  • Purchase Protection: Covers new purchases against damage or theft for 120 days.
  • Return Protection: Reimburses eligible items that the store won't accept returns for within 90 days of purchase.
  • Extended Warranty Protection: Extends the time period of U.S. manufacturer's warranties by an additional year on eligible warranties of three years or less.
  •  
BoFa Premium Rewards Elite

Bank of America® Premium Rewards® Elite

  • Purchase Protection: Enjoy comprehensive coverage to protect your new purchases from damage or theft.

  • Extended Warranty Protection: Extend eligible U.S. manufacturer's warranties lasting three years or less by an additional year.

  • Travel Accident Insurance: Receive automatic coverage for eligible losses when you use your credit card to purchase travel fare.

  • 24-Hour Travel Assistance Services: Access emergency services, including immediate card replacement and cash advance in case of a lost or stolen credit card.

  • Auto Rental Collision Damage Waiver: Get primary coverage for theft and collision damage on most rental cars in the U.S. and abroad when declining the rental company's insurance, with reimbursement up to the vehicle's actual cash value.

  • Baggage Delay Insurance: Receive reimbursement of up to $100 per day for essential purchases like toiletries and clothing when your baggage is delayed by a passenger carrier for more than 6 hours, up to a total of 5 days.

  • Lost Luggage Reimbursement: Provides coverage of up to $3,000 per passenger for damaged or lost luggage checked or carried on during travel.

  • Trip Delay Reimbursement: Covers unreimbursed expenses, such as meals and lodging, up to $500 per ticket for common carrier travel delays exceeding 12 hours or requiring an overnight stay.

  • Trip Cancellation Reimbursement: Offers coverage for trip cancellations or shortening due to covered situations like illness.

  • Emergency Evacuation and Transportation Coverage: Ensures financial support for eligible medical services and transportation in case of injury or illness during a trip away from home for you and your immediate family.

  • Return Protection: Receive reimbursement for dissatisfactory eligible items purchased within 90 days when the retailer won't accept return

When You Might Want the BoFa Premium Rewards Elite?

There are certain scenarios in which you might prefer the Bank of America Premium Rewards Elite over the Chase Sapphire Reserve:

  • Existing Relationship with Bank of America: If you already have a significant relationship with Bank of America or Merrill, you may qualify for relationship-based benefits, potentially enhancing the value of the Premium Rewards Elite card even further
  • You Prefer To Book Travel through Bank of America's Travel Portal: Bank of America offers a 20% discount on flights booked through its travel portal when you pay with points.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the Chase Sapphire Reserve?

You might prefer the Chase Sapphire Reserve over the Bank of America Premium Rewards Elite in several situations:

  • You Want Higher Rewards Value: The Chase Ultimate Rewards program, which is associated with the Sapphire Reserve, provides superior flexibility and potentially higher redemption value when used for travel through the Chase Travel Portal or transferred to airline and hotel partners. If you're a savvy rewards enthusiast looking to maximize your points, the Sapphire Reserve's rewards program might be more appealing.
  • You Want Strong Transfer Partners: The Chase Sapphire Reserve has a strong lineup of transfer partners, allowing you to get excellent value when redeeming points for premium flights and hotel stays. If you're interested in leveraging transfer partners to access luxury travel experiences, the Sapphire Reserve is a better option.

Compare The Alternatives

If you're looking for a travel rewards credit card– there are some excellent alternatives you may want to consider:

amex platinum

chase_sapphire_preffered

Venture X Rewards

The Platinum Card® from American Express
Chase Sapphire Preferred® Card
Capital One Venture X Rewards
Annual Fee
$95
$395
Rewards
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
Welcome bonus
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
Foreign Transaction Fee
$0
$0
Purchase APR
21.24% – 29.24% APR Variable
21.24%–28.24% variable APR
19.99% – 29.99% (Variable)

Compare BofA Premium Rewards Elite Card

The BoFa Premium Rewards Elite offers better travel perks, but is it worth the difference in the annual fee? We don't think so. Here's why.

Bank of America Premium Rewards vs. Elite: How They Compare?

Compare Chase Sapphire Reserve Card

When it comes to the annual fee, there is a clear winner. But is it worth the exclusive travel rewards you'll get? Here's our analysis.

Chase Sapphire Preferred vs Reserve: Which is Better?

While Chase Sapphire Reserve offers better protections and redemption options, Venture X is cheaper and offers premium travel benefits.

Chase Sapphire Reserve vs. Capital One Venture X: Comparison

If you're looking for travel rewards, there is a clear winner. But what about if you're looking for rewards on everyday spending?

American Express Gold Card vs Chase Sapphire Reserve: Which Card Is Best?

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Is Better?

The Chase Sapphire Reserve offers more versatile travel rewards and redemption options. But if you need airline perks, the Delta Reserve wins.

Chase Sapphire Reserve vs. Delta SkyMiles Reserve: Comparison

While the Brilliant card focuses on benefits tailored to Marriott enthusiasts, the Chase Reserve focuses on general, luxury travel perks.

Marriott Bonvoy Brilliant vs. Chase Sapphire Reserve: How They Compare?

The Chase Reserve wins on cashback rates, travel perks, and insurance. Is it worth the annual fee difference? We think it does – here's why.

Chase Sapphire Reserve vs. Delta SkyMiles Platinum: Side By Side Comparison

The Hilton Amex Aspire offers excellent value for hotel perks, while the Chase Reserve card is best for flexibility and redemption options.

Chase Sapphire Reserve vs. Hilton Amex Aspire: Side By Side Comparison

While having higher annual fee, the Chase Sapphire Reserve is a clear winner with much higher total cashback and better premium travel perks.

United Quest vs. Chase Sapphire Reserve: How They Compare?

Both Citi/AAdvantage Executive and Chase Sapphire Reserve offer great cashback value, but the latter is our winner. Here's why:

Citi/AAdvantage Executive World Elite vs. Chase Sapphire Reserve: Which Card Is Best?

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits.

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard: Which Card Is Best?

Despite being a pricier card, the Chase Sapphire Reserve is our top choice because of its generous cashback system and luxury travel perks.

U.S. Bank Altitude Reserve Visa Infinite vs. Chase Sapphire Reserve: How They Compare?

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.