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.

Citi Rewards+℠ Card

Citi Rewards+℠ Card

Rates & Fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees

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★★★★★

4.0 / 5.0
Best for
Best for
  • Rewards that round up to the nearest 10 points on every purchase
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer

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

$250 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

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

Purchase APR
Purchase APR

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

0% intro APR for 12 months, and then 12.99% to 23.99% variable

Annual fee
Annual fee $0 $95
Balance transfer APR
Balance transfer APR

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

0% intro APR for 12 months, then 12.99% 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 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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Which card should you choose?

Citi Rewards+℠ Card

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

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.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $490, plus rewards on everyday purchases and Delta flights, this card offers value even for occasional flyers. Rates & fees
American Express® Gold Card
35,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn 4x points at restaurants worldwide. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
The Platinum Card® from American Express
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
One of the most valuable premium travel cards, featuring a welcome offer worth up to $1,200, multiple travel credits and unrivaled lounge access. Rates & fees
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Compare up to 4 providers

Name Product Welcome offer Rewards Annual fee Filter values
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
50,000 miles after spending $2,500 in the first 3 months
2x miles on eligible American Airlines purchases, at gas stations and restaurants and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
Delta SkyMiles® Gold American Express Card
35,000 miles after spending $1,000 in the first 3 months
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $490, plus rewards on everyday purchases and Delta flights, this card offers value even for occasional flyers. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
United℠ Explorer Card
60,000 miles after spending $3,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
United Club℠ Infinite Card
100,000 miles after spending $5,000 in the first 3 months
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
$525
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
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Compare up to 4 providers

Compare American Express credit cards

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