Bank of America vs Chase
Chase CASHBACK offers a lower APR at 16.74% compared to Bank of America CASHBACK at 17.49%, making it cheaper for cardholders carrying a balance. Both cards have $0 minimums, $0 monthly fees, and FDIC protection, so the rate difference is the key distinguisher.
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
Chase
- Min
- $0
- Fee
- $0/mo
Best for: Earn $1,000 when you spend $8,000 on purchases in the first four months after 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 8/23/2026.