Which card has a lower annual fee, Blue Cash Everyday Card from American Express or Citi Double Cash Card?

The Blue Cash Everyday Card from American Express has no annual fee, compared to $0 for the Citi Double Cash Card.

Which card earns more cash back, Blue Cash Everyday Card from American Express or Citi Double Cash Card?

The Blue Cash Everyday Card from American Express earns 1.0% base cash back, while the Citi Double Cash Card earns 2.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Blue Cash Everyday Card from American Express better than the Citi Double Cash Card?

It depends on your spending. If you spend more on categories where the Blue Cash Everyday Card from American Express offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Blue Cash Everyday® Card from American Express vs Citi Double Cash® Card: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Blue Cash Everyday® Card from American Express (no annual fee) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Blue Cash Everyday Card from American Express

Strongest in groceries at 3% (up to $6,000/yr). 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).

Annual fee: None Sign-up bonus: $200 after $2,000 spend in 6 months Foreign fees: 2.7%

Perfect if: You want solid rewards without paying an annual fee.

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Citi Double Cash Card

Unlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.

Annual fee: None Sign-up bonus: $200 after $1,500 spend in 6 months Foreign fees: 3%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Head-to-Head Comparison

Feature	Blue Cash Everyday Card from American Express	Citi Double Cash Card
Annual Fee	$0	$0
Sign-Up Bonus	$200 after $2,000 spend in 6 months	$200 after $1,500 spend in 6 months
Foreign Transaction Fee	2.7%	3%
Base Reward Rate	1%	2%
Groceries Rewards	3% (up to $6,000/yr)	2%
Gas Rewards	3% (up to $6,000/yr)	2%
Rates with conditions not counted in the rows above	None	5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%.
Key Benefits	3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).	Unlimited 2% cash back on all purchases.

The Verdict

Blue Cash Everyday Card from American Express pulls ahead for groceries, gas spending.

Citi Double Cash Card wins on travel, dining.

Blue Cash Everyday Card from American Express carries $264/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.