Capital One vs Citi
Capital One CARDS pays 19.49% APR vs. Citi CARDS's 20.24%. Capital One CARDS wins on rate; Citi CARDS carries a stronger brand reputation.
Option A
Capital One
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Open with Capital One →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.