Capital One vs Citi
Citi CASHBACK pays 17.49% APR; Capital One CASHBACK pays 18.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Capital One
18.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
Open with Capital One →Option B
Citi
- Min
- $0
- Fee
- $0/mo
Best for: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
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.