Bank of America vs Chase
Bank of America CARDS pays 17.49% APR; Chase CARDS pays 19.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
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 →Option B
Chase
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
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.