Bank of America vs Capital One
Bank of America CASHBACK offers a lower APR at 17.49% compared to Capital One CASHBACK's 18.49%, making it the cheaper borrowing option. Both cards carry $0 minimums, $0 monthly fees, and FDIC protection, so the primary distinction is the 1% rate difference.
Option A
Bank of America
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Open with Bank of America →Option B
Capital One
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
Open with Capital One →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 8/23/2026.