Head to head
Citi Double Cash Card vs Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express leads 3 to 0 on the 3 rankable specs. Most of the 10 attributes tracked here are descriptive rather than numeric.
Catalog as of September 1, 2026
Why, in numbers
Swap
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Compare a different credit card
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Straight answer
Overall: 0 to 3
Buy the Blue Cash Everyday Card from American Express.
- Leads 3 of 3 rankable overall specs.
- Rewards rate: 3% cash back on US supermarkets vs 2% cash back
- Foreign transaction fee: 2.7% of each transaction after conversion to… vs 3% of each transaction in U.S. dollars
- Same annual fee, so the spec lead is the whole story.
Deal-breakers
tick what would make you walk away
- Trips:Citi Double Cash Card · 3% of each transaction in U.S. dollarsTrips:Blue Cash Everyday Card from American Express · 2.7% of each transaction after conversi…
- Trips:Citi Double Cash Card · NoTrips:Blue Cash Everyday Card from American Express · No
At a glance
The handful of numbers that decide most purchases in this category.
Annual fee≠
Citi
$0 (No annual fee)
American Express
$0
Rewards rate
Citi
2% cash back (1% when you buy + 1% as you pay off purchases)
American Express
3% cash back on US supermarkets (up to $6,000 per year, then 1%), 3% on US online retail purchases (up to $6,000 per year, then 1%), 3% on US gas stations (up to $6,000 per year, then 1%), 1% on other purchases
The 90-Day Owner Regret Check
Documented ergonomic quirks, hardware annoyances, and maintenance realities reported by real owners.
Citi: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
American Express: What to watch for
- Maintenance
Requires ongoing care to maintain peak out-of-box performance.
Fees & Rates
leads 2-0| Annual fee | $0 (No annual fee) | $0 |
|---|---|---|
| Regular APR | 19.24% – 29.24% Variable APR | 19.24% – 29.99% Variable APR |
| Foreign transaction fee | 3% of each transaction in U.S. dollars | 2.7% of each transaction after conversion to US dollars (wins this row: lower) |
| Late fee | Up to $41 | Up to $40 (wins this row: lower) |
Rewards & Perks
leads 1-0| Rewards rate | 2% cash back (1% when you buy + 1% as you pay off purchases) | 3% cash back on US supermarkets (up to $6,000 per year, then 1%), 3% on US online retail purchases (up to $6,000 per year, then 1%), 3% on US gas stations (up to $6,000 per year, then 1%), 1% on other purchases (wins this row: higher) |
|---|---|---|
| Sign-up bonus | $200 cash back (20,000 ThankYou points) after spending $1,500 in first 6 months | $200 statement credit after spending $2,000 in purchases in the first 6 months |
| Intro APR offer | 0% intro APR for 18 months on Balance Transfers (then standard variable APR) | 0% intro APR on purchases and balance transfers for 15 months from account opening |
| Lounge access | No | No |
Card Details
1 differences| Credit neededOur summary | Good to Excellent (670–850) | Good to Excellent (670–850) |
|---|---|---|
| Network | Mastercard | American Express |
Which one should you buy
Pick this one if
Citi Double Cash Card
Straightforward no-annual-fee cash back card delivering 2% total on every purchase (1% when you buy, 1% when you pay).
- Effective 2% flat cash back with no category tracking or spending caps
- No annual fee
- Earns transferable Citi ThankYou points convertible to cash back or travel
What you give up
- 3% foreign transaction fee makes it poor for international travel
- No built-in travel perks or insurance protections
Pick this one if
Blue Cash Everyday Card from American Express
No-annual-fee cash back card with 3% cash back on US supermarkets, 3% on US online retail purchases, 3% on US gas stations, and up to $84 Disney Bundle credit.
- 3% cash back on U.S. online retail purchases (up to $6k/year)
- 3% cash back at U.S. supermarkets and U.S. gas stations (up to $6k/year each)
- Up to $84 annual Disney Bundle statement credit ($7/month) with $0 annual fee
What you give up
- 2.7% foreign transaction fee
- 3% bonus cash back categories are each capped at $6,000 annual spend (then 1%)
Best for each use
Travel
For travel, buy the Blue Cash Everyday Card from American Express.
Everyday cash back
Too close to call on everyday cash back from the spec sheets. Only rewards rate is rankable here.
Carrying a balance
Too close to call on carrying a balance from the spec sheets. Only late fee is rankable here.
Done deciding?
Open the full standalone spec sheet for either device.
Manufacturer pages: Citi Double Cash Card ↗ · Blue Cash Everyday Card from American Express ↗
Common questions
Which card has the lower annual fee, Citi Double Cash Card or Blue Cash Everyday Card from American Express?
Both charge the same annual fee.
What is the biggest catch with the Citi Double Cash Card or Blue Cash Everyday Card from American Express?
Both has this deal-breaker: foreign transaction fee. Adds about 3% to every purchase abroad.
Which is better for travel, the Citi Double Cash Card or the Blue Cash Everyday Card from American Express?
For travel, buy the Blue Cash Everyday Card from American Express. Leads 2 of 2 rankable travel specs. Rewards rate: 3% cash back on US supermarkets vs 2% cash back
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 7 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.