Citi Rewards+® Card
vs. BankAmericard® Credit Card

If you're looking for a credit card with no annual fee and introductory APR offers, you may be considering the Citi Rewards+ Card and the BankAmericard Credit Card. The Citi Rewards+ Card is better for those who want to earn rewards, offering five ThankYou Points per $1 on travel and a sign-up bonus of 20,000 points after $1,500 spent in the first three months. However, the BankAmericard is more suitable for those seeking a longer 0% intro APR period on purchases and balance transfers, lasting 18 billing cycles, and it does not impose a penalty APR.

You might prefer the BankAmericard Credit Card if: you're looking for a straightforward credit card with a generous introductory APR period. This card offers a 0% intro APR for the first 18 billing cycles on both purchases and balance transfers, which can be beneficial if you have existing balances to transfer or plan to make large purchases that you want to pay off over time without accruing interest. While it doesn't offer a rewards program, its lack of an annual fee and longer intro APR period make it a strong contender for those focused on saving on interest and fees.

You might prefer the Citi Rewards+ Card if: earning rewards on your spending is a top priority. This card provides a 0% intro APR for 15 months on purchases and balance transfers and offers a rewards program where you can earn 5 ThankYou® Points per $1 spent on travel purchases through Citi, among other benefits. Additionally, the opportunity to earn 20,000 bonus points after meeting the spending requirement can be a lucrative incentive. The Citi Rewards+ Card is a good fit for those who want to combine the benefits of a rewards card with the flexibility of an introductory APR offer.

The Citi Rewards+ Card caters to individuals with a credit range of 670 to 850. It's a solid choice for those who want to earn rewards for their spending without paying an annual fee. The card's annual rewards include 10% points back on ThankYou points redeemed up to the first 100,000 points per year, which can be quite beneficial for frequent redeemers. The card offers an introductory 0% APR for 15 months on purchases and balance transfers, providing a window for significant interest savings. The Citi Rewards+ Card is advantageous for travel enthusiasts, offering five ThankYou® Points per $1 spent on travel purchases through Citi for the first $6,000 per year, then 1 point after that. This special offer and the card's no annual fee make it an appealing option for those looking to maximize their travel rewards.

The BankAmericard Credit Card, issued by Bank of America, is a solid choice for those looking to manage existing debt or finance new purchases without incurring interest for a generous period. With a MoneyGeek balance transfer score than Citi Rewards+, this card stands out for its balance transfer capabilities. It boasts a $0 annual fee and offers a 0% APR on purchases and balance transfers for the first 18 billing cycles, making it an attractive option for individuals with a credit score between 670 and 850. While it doesn't offer rewards, its value lies in the potential savings from interest fees, especially for those planning to pay down balances or finance large purchases within the introductory period.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. For example, if you're planning a significant purchase, the introductory APR period could save you on interest. If you travel frequently, the rewards program of one card may be more beneficial. Use this section to align the card's offerings with your financial habits.