Bank of America Travel Rewards credit card vs. Chase Freedom Flex
On the criteria below, Chase Freedom Flex wins 3 of 5. The verdict depends on which criteria matter to you.
Bank of America Travel Rewards credit card
Bank of America
Chase Freedom Flex
Chase
Chase Freedom Flex wins 3 of 5 criteria here, making it the stronger all-rounder.
Bank of America Travel Rewards credit card wins on foreign transactions; Chase Freedom Flex wins on first-year math, earning ceiling, and travel insurance.
Pick the Chase Freedom Flex if year-one math is your priority.
Who wins what
1 vs 3 (1 tie)- First-year math Chase Freedom Flex
Chase Freedom Flex wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Chase Freedom Flex
Chase Freedom Flex earns more on its best category (5× vs 3×).
- Travel insurance Chase Freedom Flex
Chase Freedom Flex carries built-in travel insurance.
- Foreign transactions Bank of America Travel Rewards credit card
Bank of America Travel Rewards credit card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- $200
- First-year net
- +$0
- +$200
- Peak earning rate
- 3×
- 5×
- Top categories
- Travel
- Chase Travel, Dining, Drugstores
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Bank of America Travel Rewards Points
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.