This study was set up to compare the inoculation of Bradyrhizobium japonicum strains and the application of nitrogen (N) fertilizers (urea with 46% nitrogen) on the growth and yield of Bambara groundnut accessions. The study results suggest that the benefits of Bradyrhizobium japonicum (B. japonicum) strain inoculation are greater and that the strain could reduce reliance and the excess amount spent by farmers to procure inorganic fertilizers and avoid the negative effect of N fertilizer on the environment after its use. Field studies were conducted in two different geographical locations, in Ibadan (Ib) and Ikenne (Ik), Nigeria, during the rainy season between August and December in 2019 and 2020. The experiment was arranged in a randomized complete block design (RCBD) in both locations and seasons and was replicated three times, with each block representing each replicate. It had a 10 × 6 factorial arrangement with one block holding the 10 accessions of Bambara groundnut inoculated with four B. japonicum strains. The second block had N fertilizer application and the third control block was without inoculation or fertilizer application. The 10 accessions of Bambara groundnut used in the study were as follows: TVSu-378, TVSu-506, TVSu-787, TVSu-1606, TVSu-1698, TVSu-1739, TVSu-710, TVSu-365, TVSu-475, and TVSu-305. Six seeds of each accession were coated with each of the four B. japonicum strains, namely, FA3, USDA110, IRJ2180A, and RACA6, before planting them in the field in both locations during the rainy season. In the next block, urea as N fertilizer (46% nitrogen) was applied to the uninoculated seedlings of accessions of Bambara groundnut 2 weeks after planting (WAP). The third block was the control with zero inoculation and zero fertilizer application. Data collected were subjected to an analysis of variance and mean and were separated using Duncan's Multiple Range Test (DMRT) at a p > 0.05 level of probability. It was found that FA3 inoculation significantly enhanced the growth traits of the accessions than other strains and N fertilizer application. In both locations and seasons, at 7 weeks after planting (WAP) and 12 WAP, plant height (19.54 and 22.71 cm), number of branches (33.63 and 62.77), number of leaves (116.54 and 209.25), terminal leaf length (5.62 and 6.00 cm), and width (2.09 and 2.56 cm) were recorded. The yield and yield components recorded at harvest were as follows: pod length (13.27 cm), pod width (9.08 mm), seed length (9.39 mm), seed width (6.92 mm), weight of 100 seeds (56.85 g), and yield/ha (750.72 kg). The yield and yield components were also significantly influenced by the inoculation of FA3 and RACA6 than other inoculated strains and N fertilizer application in both locations and seasons.