American Express vs Bank of America
American Express CARDS pays 17.49% APR; Bank of America CARDS pays 17.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 130,000 Bonus Points plus a Free Night Reward after you spend $3,000 in purchases on the Hilton Honors American Express Surpass Card in the first 6 months of Card Membership. Offer ends 01/13/202
Open with American Express →Option B
Bank of America
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Open with Bank of America →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 10/25/2026.