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BankAmericard vs Citi Simplicity

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: BankAmericard leads by 4.5 pts. Scores: BankAmericard 57.9%, Citi Simplicity 53.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BankAmericard nets $0/yr, Citi Simplicity nets $0/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeBankAmericard: 10.0 · Simplicity: 10.0
• Rewards rateBankAmericard: 0.0 · Simplicity: 0.0
• Sign-up bonusBankAmericard: 0.0 · Simplicity: 0.0
• Intro 0% APRBankAmericard: 10 · Simplicity: 8.6
• Regular APRBankAmericard: 9.5 · Simplicity: 7.8
• Foreign transaction feeBankAmericard: 3.0 · Simplicity: 3.0
• Regulatory record (CFPB)BankAmericard: 8.0 · Simplicity: 8.0

Downsides

• BankAmericard57.9%
  Bank of America · balance transfer
  Annual fee $0APR 15.24%–26.24% variableRewards 0% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · Late fee up to $40

• Citi Simplicity53.4%
  Citi · balance transfer
  Annual fee $0APR 17.74%–28.49% variableRewards No rewards programCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BankAmericard or Citi Simplicity?

On VaultRubric's rubric: BankAmericard scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.