Atmos™ Rewards Ascent Visa Signature® vs Chase Sapphire Preferred® Card

Atmos™ Rewards Ascent Visa Signature®Atmos™ Rewards Ascent Visa Signature®

Bank of America

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Atmos Rewards
Chase Ultimate Rewards
Point Value
1.45¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
85,000 Atmos Rewards after $4,000 in 120 days
Limited time: 100,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryAtmos™ Rewards Ascent Visa Signature®Chase Sapphire Preferred® Card
Dining & Restaurants1.45%
1x
6.00%
3x
Streaming Services1.45%
1x
6.00%
3x
Travel1.45%
1x
4.00%
2x
EV Charging2.90%
2x
4.00%
2x
Gas Stations2.90%
2x
2.00%
1x
Internet & Cable2.90%
2x
2.00%
1x
Transit & Rideshare2.90%
2x
2.00%
1x
Select Streaming2.90%
2x
2.00%
1x
Groceries1.45%
1x
2.00%
1x
Everything else1.45%
1x
2.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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