Bank of America vs USAA
USAA BALANCE-TRANSFER pays 10.40% APR vs. Bank of America BALANCE-TRANSFER's 14.99%. USAA BALANCE-TRANSFER wins on rate; Bank of America BALANCE-TRANSFER carries a stronger brand reputation.
Option A
Bank of America
- Min
- $0
- Fee
- $0/mo
Best for: Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
Open with Bank of America →Option B
USAA
10.40%
APR
- 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 USAA →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.