Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

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

It's David vs. Goliath in this rewards card showdown.

Avatar
Megan Horner
Updated
Fact checked
Please note: Citi is an advertising partner of finder.com

The Blue Cash Preferred® Card from American Express offers an astounding 6% back at US supermarkets on up to $6,000 a year and 1% back after that, 6% back on select US streaming services, 3% back on transit and US 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

Terms apply, see rates & fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.1 / 5.0

★★★★★

4.3 / 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 20,000 points after spending $1,500 in the first 3 months

$300 statement credit after spending $3,000 in the first 6 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 other purchases (redeem as statement credit)
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 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0 intro annual fee the first year, then $95
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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Compare American Express credit cards

Rates and fees

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site