Bank of America vs Chase
Bank of America BALANCE-TRANSFER pays 14.99% APR; Chase BALANCE-TRANSFER pays 18.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Bank of America
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR thats currently 14.99% - 25.99% will apply. A
Open with Bank of America →Option B
Chase
18.24%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro Offer- Enjoy 0% Intro APR for 21 months on purchases and balance transfers, then a variable APR of 18.24% - 28.24% thereafter
Open with Chase →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 9/6/2026.