Chase vs Bank of AmericaBank Bonus Comparison
Updated January 2026 • Side-by-side comparison
Compare Chase and Bank of America bank bonuses to see which offers better value. We analyze bonus amounts, requirements, fees, and ease of qualification to help you choose.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
Our Pick for January 2026
Bank of America wins
Bank of America offers better overall value with higher bonuses and easier requirements.
74
Chase
81
Bank of America
| Feature | Chase | Bank of America |
|---|---|---|
| Highest Bonus | $300 | $500✓ |
| Total Offers | 1 | 1 |
| Ease Score | Easy✓ | Easy |
| Direct Deposit | Required | Required |
| Monthly Fee | $15 (waivable) | $4.95 (waivable) |
| Availability | Nationwide | Nationwide |
Chase Bonuses
Bank of America Bonuses
💡 Our Verdict
Bank of America is the better choice in January 2026 if you're looking for bank bonuses. With a top bonus of $500 and 1 total offers, it provides more opportunities than Chase.
However, Chase still offers $300 and could be a good choice if you've already earned the Bank of America bonus or don't qualify as a new customer.
Pro tip: You can earn bonuses from both banks if you qualify as a new customer at each!
Frequently Asked Questions
Is Chase or Bank of America bonus better?
Chase offers up to $300 while Bank of America offers up to $500. Bank of America scores higher overall when considering bonus amount, ease, and fees.
Can I get both Chase and Bank of America bonuses?
Yes! You can open accounts at both Chase and Bank of America to earn both bonuses, as long as you meet each bank's eligibility requirements (typically being a new customer who hasn't had an account recently).
Which bank has easier bonus requirements?
Chase has easier requirements with an "Easy" rating compared to Bank of America's "Easy" rating.