Citi vs Bank of America bonuses

As of Jul 21, 2026, Citi has 3 live sign-up bonuses, up to $1,500. Bank of America has 2, up to $2,500. Here is how they compare, verified against each institution's own terms.

The quick take. Bank of America has the bigger headline bonus right now ($2,500). Citi gives you more offers to choose from. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	Citi	Bank of America
Live sign-up bonuses	3	2
Biggest cash bonus	$1,500	$2,500
Bonus types	bank, card	bank, card
ChexSystems	Soft pull reported for checking	ChexSystems reported
Credit pull	Hard inquiry for cards	Hard inquiry for cards
Eligibility	Checking once per period; card once per 24 to 48 months (verify)	Business checking bonus: not for owners in the past 12 months

Current offers

Citi

Citigold Checking$1,500

Deposit $200,000+ within 20 days, maintain 60 days · sign-up bonus

Citi Double Cash$200

$1,500 in purchases in first 6 months · sign-up bonus

Citi AAdvantage Platinum Select80,000 miles

$3,500 in purchases in first 4 months · miles bonus

Bank of America

Bank of America Business Advantage Checking$2,500

Deposit $250,000+ within 30 days, hold to day 90 · sign-up bonus

Bank of America Business Advantage Cash$500

$5,000 in purchases in first 90 days · sign-up bonus

What to know about each

Citi

One of the largest US banks and card issuers, running checking bonuses and a broad co-brand and cash-back card lineup. Card figures are often personalized.

Bank of America

A national bank that runs steady personal and business checking bonuses on new-money deposits. The card side earns Preferred Rewards boosts if you keep balances with them, but that is a relationship play, not a sign-up bonus.

Common questions

Which has the bigger sign-up bonus, Citi or Bank of America?

Bank of America has the bigger cash bonus right now, at $2,500. Figures change; both are checked against the source and shown above with the date.

Is Citi or Bank of America better for a sign-up bonus?

The better pick is the offer whose requirement you can actually meet. Citi currently gives you more offers to choose from. Weigh each bonus against the deposit or spend it needs, not just the headline number.

New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.