Bank of America vs U.S. Bank
Bank of America CASHBACK charges 17.49% APR versus U.S. Bank CASHBACK's 17.74% APR, making Bank of America the lower-cost option for carried balances. Both cards have $0 minimums, $0 monthly fees, and FDIC protection, so the rate difference is the primary distinguishing factor.
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
U.S. Bank
- Min
- $0
- Fee
- $0/mo
Best for: Earn unlimited 2% cash back on every purchase
Open with U.S. Bank →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 8/16/2026.