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 Costco Anywhere Visa® Card by Citi (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.
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).
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | None |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 3% (up to $6,000/yr) | 1% |
| Gas Rewards | 3% (up to $6,000/yr) | 4% (up to $7,000/yr) |
| Rates with conditions not counted in the rows above |
None |
2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Blue Cash Everyday Card from American Express pulls ahead for groceries spending.
Costco Anywhere Visa Card by Citi wins on travel, dining, gas.
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.