BankAmericard Credit Card vs. Citi Simplicity

The BankAmericard's $0 introductory balance fee makes it a strong contender. Citi Simplicity's long 0% APR period keeps it in the game.
Gregory KarpJan 4, 2017

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The terms on the and the   have changed since this article was published, and this page is out of date. See our details pages for the  and  for the current offers. 

The and the  can both work as get-out-of-debt tools. They can provide breathing room from crushing finance charges and offer relatively low ongoing interest rates after their promotional periods end. There are key differences between them, though, which makes each one better for a different type of user.

The offers the prospect of a slightly lower ongoing interest rate for the those with the best credit. But answering this question requires asking another: Why do you want a 0% APR period — to finance a big purchase, or to pay down debt transferred from another card or account?

If you can get a $0 transfer fee, hop on it. But even without such an offer, the  will have a lower fee for any transfer amount over $200.

If you're the absent-minded type, the can save you real money. Even so, paying late is a bad habit to develop, and it could hurt your credit scores if you're more than 30 days late.

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