Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the Bank of America® Unlimited Cash Rewards credit card (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Prime Visa earns more on dining and gas, Bank of America Unlimited Cash Rewards on groceries, flights, hotels, other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Prime Visa | Bank of America Unlimited Cash Rewards |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | $250 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1% | 1.5% |
| Dining Rewards | 2% | 1.5% |
| Gas Rewards | 2% | 1.5% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. |
Prime Visa pulls ahead for dining, gas spending.
Bank of America Unlimited Cash Rewards wins on travel, groceries.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.