BankAmericard® credit card vs. Chase Freedom Flex®
The Chase Freedom Flex® comes with a 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% – 28.49% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each transfer applies.
It also earns 5% cash back on up to $1,500 in combined purchases in categories that rotate quarterly (requires activation), 5% cash back on travel purchased through Chase Travel℠, 3% cash back on dining and drugstores and 1% cash back on all other purchases. Plus, the card comes with a welcome offer: Earn a $200 bonus after spending $500 on purchases in the first 3 months from account opening. It’s easy to see that the Freedom Flex comes out ahead of the BankAmericard for long-term use, given that it earns rewards on top of an intro APR offer.
BankAmericard® credit card vs. U.S. Bank Visa® Platinum Card*
The U.S. Bank Visa® Platinum Card* also offers an intro APR: Cardholders can get a 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a variable APR of 17.99% – 28.99%. Balance transfers made within 60 days qualify for the intro APR and a balance transfer fee of 5% or $5, whichever is greater, applies.
Like the BankAmericard, the U.S. Bank Visa Platinum doesn’t charge an annual fee and doesn’t have much in the way of benefits. However, it does offer cellphone protection and identity theft monitoring through ID Navigator Powered by NortonLifeLock. Ultimately, the longer intro period on the U.S. Bank Visa® Platinum Card* makes it the superior choice for paying down debt via a balance transfer or financing a big purchase.
BankAmericard® credit card vs. Bank of America® Customized Cash Rewards credit card
Bank of America also issues the Bank of America® Customized Cash Rewards credit card, which offers 0% introductory APR for 15 billing cycles for purchases and balance transfers, 18.49% – 28.49% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%. The Customized Cash Rewards card also comes with a welcome offer of a $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.
In addition to the welcome bonus, the main difference between the two cards is that the Customized Cash Rewards card earns 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Like any cash-back card, this ongoing earning structure is more beneficial than the BankAmericard’s lack of rewards.
Find The Best Credit Cards For 2024
No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.