Bank of America vs Chase
Bank of America CASHBACK pays 17.49% APR; Chase CASHBACK pays 18.24%. 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: $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
18.24%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Limited Time Offer! Earn a $250 Bonus after you spend $500 on purchases in your 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 10/25/2026.