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Citi Rewards+℠ Card vs Blue Cash Preferred® Card from American Express
It's David vs. Goliath in this rewards card showdown.
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The Blue Cash Preferred® Card from American Express offers an astounding 6% back at supermarkets on up to $6,000 a year and 1% back after that, 6% back on select streaming services, 3% back on transit and gas stations, and 1% on all other purchases. In comparison, the Citi Rewards+℠ Card offers 2x points back on supermarkets and gas stations on up to $6,000 in purchases, then 1x points back after that and on all other purchases.
Which card should you choose?
Citi Rewards+℠ Card
- Reward points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
- Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your reward points will round up at 10x points, thus earning a 5% reward.
- Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.
Blue Cash Preferred® Card from American Express
- Earn cash back. Earn 6% cash back at US supermarkets on up to $6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you'll earn 3% back. For everything else you buy, you'll get 1% back.
- Welcome offer. Get $250 in statement credit after spending $1,000 on purchases in the first three months of card membership.
- Intro APR period. Enjoy a 0% intro APR period on balance transfers and purchases for the first 12 months of account opening. After that, a variable APR of 12.99% to 23.99% applies.
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