Who is better for a 3* player: 4* Black Panther or America Chavez?

This is for my friend who doesn't post on this forum so my roster wouldn't help opinions from here. I'm a 4* player but I don't have enough experience with AC or enough knowledge of BP to give her an informed opinion.
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For 5* Roster - America Chavez
I haven't had much experience with BP outside of his release. I really dig him, but I feel like America will be faster for both PVE and PVP.