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Blue Cash Preferred® Card from American Express vs Citi® Double Cash Card

Two excellent credit cards with different cashback rates.

Our pick: Blue Cash Preferred® Card from American Express

Up to 6%

Cash back

  • $0 intro annual fee for the first year, then $95
  • Huge cashback on groceries and streaming
  • Intro APR on purchases
Apply now
Terms apply, see rates & fees
Please note: Citi is an advertising partner of finder.com

The Blue Cash Preferred® Card from American Express charges $95 annually (see Terms apply, see rates & fees) after the first year, compared to the Citi® Double Cash Card‘s $0 annual fee. However, it’s a much stronger choice for groceries, offering 6% cash back on up to $6,000 per year in US supermarket spending, then 1%. Citi’s card is a better option if you want simple rewards: You’ll earn 1% cash back on all purchases, and another 1% as you pay them off.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Terms apply, see rates & fees

Citi® Double Cash Card

Citi® Double Cash Card

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

4.3 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Industry-leading cash back at US supermarkets
  • Highest unlimited cash back
Welcome offer
Welcome offer

Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months

N/A

Rewards
Rewards

6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)

Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Purchase APR
Purchase APR

0% intro APR for 12 months, and then 13.99% to 23.99% variable

13.99% to 23.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $0
Balance transfer APR
Balance transfer APR

N/A

0% intro APR for 18 months, then 13.99% to 23.99% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 2.7% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Compare Blue Cash Preferred® Card from American Express vs. Citi® Double Cash Card

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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