Bank of America vs Citi
Bank of America CARDS pays 17.49% APR; Citi CARDS pays 20.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Bank of America
17.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Open with Bank of America →Option B
Citi
20.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 60,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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.