Bank of America vs Discover
Bank of America CASHBACK pays 17.49% APR; Discover CASHBACK pays 17.49%. 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
Discover
17.74%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Get a 0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies. Then 18.74% - 28.74% Standard Variable Purchase APR applies, based on credit worthiness
Open with Discover →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.