American Express® Blue Cash Everyday vs Citi Double Cash®
Side-by-side comparison
| American Express® Blue Cash Everyday | Citi Double Cash® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 statement credit | $200 cash back |
| Dining | 1x | 2x |
| Groceries | 3x | 2x |
| Gas | 3x | 2x |
| Travel | 1x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $455 | $583 |
| Points type | Cash back only | Pools with Citi → transferable |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Blue Cash Everyday earns about $455 a year in rewards and the Citi Double Cash® about $583, valuing every point at a flat 1 cent. The American Express® Blue Cash Everyday has no annual fee, so its rewards are all profit. The Citi Double Cash® has no annual fee, so its rewards are all profit. The two are effectively tied on value, with the American Express® Blue Cash Everyday marginally ahead, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Citi Double Cash® earns points you can move to travel partners for outsized value, while the American Express® Blue Cash Everyday pays plain cash back. Favor the Citi Double Cash® if you will use travel transfers, the American Express® Blue Cash Everyday if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Blue Cash Everyday if your spending leans toward groceries, gas. Pick the Citi Double Cash® if your spending leans toward dining, travel, streaming.