American Express Gold Card vs Citi Double Cash Card
Compare the American Express Gold Card ($325/yr) against the Citi Double Cash Card ($0/yr) to see which card earns you more rewards based on your spending.
See how the American Express Gold Card and Citi Double Cash Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | American Express Gold Card | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $325 | $0 |
| Sign-Up Bonus | 60,000 points after $6,000 spend in 6 months | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 2.0% |
| Travel Rewards | 3% | 5% |
| Dining Rewards | 4% (up to $50,000/yr) | 2.0% |
| Grocery Rewards | 4% (up to $25,000/yr) | 2.0% |
| Key Benefits | 4X points at restaurants worldwide, 4X on U.S. supermarkets, 3X on flights. | Unlimited 2% cash back on all purchases. |
| Issuer | American Express | Citi |
Quick Summary
The American Express Gold Card has a $325 annual fee ($325/year more than Citi Double Cash Card).
Citi Double Cash Card has a higher base reward rate (2.0% vs 1.0%).
Which Card is Better for Your Spending?
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