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Citi Rewards+® Card vs Blue Cash Everyday® Card from American Express

Would you rather have points or cash back?

Megan Horner
Megan Horner

Updated . What changed?

Fact checked

The winner: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 3%

Cash back

  • Everyday cashback: 3% at US supermarkets on up to $6,000 per year, then 1%
  • 2% at US gas stations and select US department stores
  • No annual fee
Apply now
Terms apply, see rates & fees
Please note: Citi is an advertising partner of finder.com
The Citi Rewards+® Card and the Blue Cash Everyday® Card from American Express are both strong rewards cards, but the major difference between them is their welcome offer. The Citi Rewards+® Card offers 15,000 points after you spend $1,000 within the first 3 months of account opening. The Blue Cash Everyday® Card from American Express offers $200 cash after you spend $1,000 within the first 3 months of account opening.

Citi Rewards+® Card

Citi Rewards+® Card

Rates & Fees

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

4.1 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Rewards that round up to the nearest 10 points on every purchase
  • Cash back on groceries and gas
Welcome offer
Welcome offer

Earn 15,000 points after spending $1,000 in the first 3 months

$200 after spending $1,000 in the first 3 months
Rewards
Rewards

Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Purchase APR
Purchase APR

0% intro APR for 15 months, and then 13.49% to 23.49% variable

0% intro APR for 15 months, and then 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 months, then 13.49% to 23.49% variable

N/A
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 3% of each transaction 2.7% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 23 days 25 days
Minimum interest
Minimum interest $0.50 $0
Minimum credit score
Minimum credit score 740 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Compare Citi Rewards+® Card vs. Blue Cash Everyday® Card from American Express

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+® Card
Citi Rewards+® Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
Get 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
Apply now
View details
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees
Apply now
View details
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