Bank of America vs Wells Fargo
Bank of America CASHBACK charges 17.49% APR versus Wells Fargo CASHBACK at 18.49% APR, making Bank of America 1 percentage point cheaper for cardholders. Both require $0 minimum balance, charge no monthly fee, and carry FDIC protection.
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
Wells Fargo
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Open with Wells Fargo →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.