Bank of America® Travel Rewards credit card vs. Citi Simplicity®
Side-by-side comparison · Updated 2026 · Independently reviewed
Bank of America® Travel Rewards credit card
Bank of America
4.2
1.5x points on all purchases. No annual fee. No foreign transaction fee.
Full review →
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →WealthSpott Verdict
Bank of America® Travel Rewards credit card and Citi Simplicity® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Bank of America®
Citi Simplicity®
Annual Fee
$0
$0
Sign-up Bonus
25,000 points
None
Rewards Rate
1.5x
0%
Rewards Type
Points
None
0% Intro APR
0% for 15 billing cycles
0% for 12 months
Regular APR
19.24%-27.24% Variable
18.49%-28.99% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
Bank of America® Travel Rewards credit card
Pros
- 1.5x on all purchases with no annual fee
- No foreign transaction fee
- 0% intro APR for 15 billing cycles
Cons
- Lower earning rate than premium travel cards
- Points only redeem as travel statement credits
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
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