Chase vs Citi
Chase CARDS pays 19.24% APR; Citi CARDS pays 20.24%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
Chase
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Open with Chase →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.