Bank of America® Travel Rewards
vs. Citi Rewards+® Card

If you're seeking a rewards card with no annual fee and solid introductory offers, you may be considering the Bank of America Travel Rewards and the Citi Rewards+ Card. The Bank of America Travel Rewards card is a better fit for those who prefer a straightforward rewards program on all purchases, offering unlimited 1.5 points per $1 spent. In contrast, the Citi Rewards+ Card caters to those who make frequent purchases at supermarkets and gas stations, with its unique round-up feature and 2X points in these categories. Both cards offer a 0% introductory APR on purchases and balance transfers for 15 months, but the Bank of America card has a slightly lower regular APR range, potentially making it a more cost-effective choice in the long run.

You might prefer the Bank of America® Travel Rewards if: you value a higher introductory bonus and a card with a strong customer satisfaction rating. With the Bank of America® Travel Rewards card, you'll earn 25,000 bonus points after meeting the initial spending requirements, which is slightly more than the Citi Rewards+® Card's 20,000 points offer. Additionally, the issuer satisfaction rating of 4.48 out of 5 suggests that you might enjoy better customer service and a more satisfying overall experience with this card. The card also provides an unlimited 1.5 points per $1 spent on all purchases, making it a straightforward option for earning travel rewards on everyday spending.

You might prefer the Citi Rewards+® Card if: you frequently book travel through Citi and can take advantage of the higher rewards rate on travel purchases. The Citi Rewards+® Card offers a special earning rate of 5 ThankYou® Points per $1 spent on travel purchases through Citi, which could lead to faster accumulation of rewards for some travelers. The card also rounds up to the nearest 10 points on every purchase, ensuring you get rewarded even for smaller transactions. While the introductory bonus is slightly lower than that of the Bank of America® Travel Rewards card, if your spending aligns with the Citi Rewards+® Card's bonus categories, you might find it to be the more rewarding option in the long run.

The Bank of America Travel Rewards card is a solid choice for those looking to earn travel points without the burden of an annual fee. With a MoneyGeek Balance Transfer Card Rating of 3.2, this card offers a straightforward rewards program where cardholders can earn unlimited 1.5 points per $1 spent on all purchases. The card is particularly appealing for its introductory offer, where new cardholders can earn 25,000 online bonus points after making at least $1,000 in purchases within the first 90 days of account opening, which can help their travel points balance. The Bank of America Travel Rewards card is well-suited for individuals with good to excellent credit who want a simple yet effective way to accumulate points for travel.

The Citi Rewards+® Card, with a MoneyGeek Balance Transfer Score of 3.2, is a solid choice for travelers looking to earn points on their adventures. Citibank offers this card with no annual fee, appealing to budget-conscious consumers. It's particularly beneficial for those who frequently book travel through Citi, as cardholders can earn 5 ThankYou® Points per $1 spent on these purchases. The card's introductory offer is also attractive with the opportunity to earn 20,000 bonus points after spending $1,500 in the first three months. For new purchases and balance transfers, the card provides a 0% APR for 15 months, which can be a helpful feature for managing larger expenses or existing debt. With a recommended credit score range of 670 to 850, the Citi Rewards+® Card is accessible to individuals with good to excellent credit. This card is well-suited for those prioritizing travel rewards and looking for a cost-effective way to earn points on every purchase.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features. For instance, if you're a frequent traveler, you might prioritize a card offering higher points on travel purchases. Alternatively, if you're planning a large purchase, a card with a longer introductory APR offer could be more beneficial. Use this section to match your financial habits with the card that offers the most value.