Bank of America vs Citi
Bank of America BALANCE-TRANSFER pays 14.99% APR; Citi BALANCE-TRANSFER pays 16.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Bank of America
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR thats currently 14.99% - 25.99% will apply. A
Open with Bank of America →Option B
Citi
16.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balanc
Open with Citi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.