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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.

Updated

Fact checked

Our pick: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • Industry-leading cash back on everyday purchases
  • Large welcome offer for a cashback card
  • Intro APR on purchases
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See rates & fees
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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

finder.com's rating
finder.com's 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 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 13.99% 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

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

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Read review

Summary of card features

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 purchases for the first 12 months of account opening. After that, a variable APR of 13.99% to 23.99% applies.

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

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
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!
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 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
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
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