Chase vs CitibankBank Bonus Comparison
Updated January 2026 • Side-by-side comparison
Compare Chase and Citibank bank bonuses to see which offers better value. We analyze bonus amounts, requirements, fees, and ease of qualification to help you choose.
Disclosure: Some links are affiliate links. Rankings are based on bonus amount and ease, not compensation.
Our Pick for January 2026
Chase wins
Chase offers better overall value with higher bonuses and easier requirements.
74
Chase
70
Citibank
| Feature | Chase | Citibank |
|---|---|---|
| Highest Bonus | $300 | $325✓ |
| Total Offers | 1 | 1 |
| Ease Score | Easy✓ | Easy |
| Direct Deposit | Required | Required |
| Monthly Fee | $15 (waivable) | $15 (waivable) |
| Availability | Nationwide | Nationwide |
Chase Bonuses
Citibank Bonuses
💡 Our Verdict
Chase is the better choice in January 2026 if you're looking for bank bonuses. With a top bonus of $300 and 1 total offers, it provides more opportunities than Citibank.
However, Citibank still offers $325 and could be a good choice if you've already earned the Chase bonus or don't qualify as a new customer.
Pro tip: You can earn bonuses from both banks if you qualify as a new customer at each!
Frequently Asked Questions
Is Chase or Citibank bonus better?
Chase offers up to $300 while Citibank offers up to $325. Chase scores higher overall when considering bonus amount, ease, and fees.
Can I get both Chase and Citibank bonuses?
Yes! You can open accounts at both Chase and Citibank to earn both bonuses, as long as you meet each bank's eligibility requirements (typically being a new customer who hasn't had an account recently).
Which bank has easier bonus requirements?
Chase has easier requirements with an "Easy" rating compared to Citibank's "Easy" rating.