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

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Blue Cash Everyday Card from American Express or the Citi Double Cash Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Blue Cash Everyday Card from American Express vs Citi Double Cash Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Citi Double Cash Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Blue Cash Everyday Card from American Express American Express · No annual fee	Citi Double Cash Card Citi · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	As high as $200 cash back — offers vary	$200 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	2.7% Lowest	3%
Network	American Express	Mastercard
Earn ratesPer $1 spent
Gas Stations	3% Highest	2%
Grocery Stores	3% Highest	2%
Online Shopping	3% Highest	2%
Department Stores	2%	2%
Everything else	1%	2% Highest
Statement creditsAs the issuer states them · — means none on record
Entertainment & streaming	$7/mo Disney+ · $7 monthly	—
Perks & access— means none on record
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance	Early access to concerts, sports, and theater tickets Tap to pay with contactless and digital wallets Pay no interest on balance transfers for 18 months No annual fee ever on this card
Protections & insuranceLimits where published · — means none on record
Rental car	Car Rental Loss and Damage Insurance	—
Purchase & returns	Up to $1,000 per item against damage or theft	Zero Liability on unauthorized transactions
Extended warranty	—	Extended warranty (secondary coverage)
Other protections	Zero liability protection on fraudulent charges	Check your FICO score free every month 24/7 fraud monitoring with zero liability protection Free help resolving identity theft issues Quick card replacement if your wallet is lost or stolen Free identity monitoring service from Mastercard network Create virtual card numbers for safer online shopping Show 1 more 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	No annual fee with solid category rewards 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value) Up to $84/year Disney Bundle credit for streaming subscriptions 0% intro APR for 15 months on purchases (3 months longer than Preferred) As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)	2% flat rate on all purchases with no caps No annual fee 0% intro APR for 18 months on balance transfers Simple earning structure - no tracking categories Points can combine with other Citi ThankYou cards
Cons	3% grocery rate is half of Blue Cash Preferred's 6% 2.7% foreign transaction fee makes it unsuitable for travel 3% rates on gas and online retail are capped at $6,000/year each 1% back on non-category purchases is below average $6,000 annual cap on grocery bonus limits heavy spenders	3% foreign transaction fee Must pay bill to earn second 1% cash back No travel insurance or trip protection Relatively modest $200 welcome bonus No bonus categories for high spenders
	Card details	Card details

Blue Cash Everyday Card from American Express
American Express · No annual fee
Citi Double Cash Card
Citi · No annual fee

Overview

Annual fee: Blue Cash Everyday Card from American Express
$0
Citi Double Cash Card
$0
Welcome offerCurrent public offer: Blue Cash Everyday Card from American Express
As high as $200 cash back — offers vary
Citi Double Cash Card
$200 cash back
Rewards: Blue Cash Everyday Card from American Express
Cash back
Citi Double Cash Card
Cash back
Foreign transaction fee: Blue Cash Everyday Card from American Express
2.7%
Lowest
Citi Double Cash Card
3%
Network: Blue Cash Everyday Card from American Express
American Express
Citi Double Cash Card
Mastercard

Earn ratesPer $1 spent

Gas Stations: Blue Cash Everyday Card from American Express
3%
Highest
Citi Double Cash Card
2%
Grocery Stores: Blue Cash Everyday Card from American Express
3%
Highest
Citi Double Cash Card
2%
Online Shopping: Blue Cash Everyday Card from American Express
3%
Highest
Citi Double Cash Card
2%
Department Stores: Blue Cash Everyday Card from American Express
2%
Citi Double Cash Card
2%
Everything else: Blue Cash Everyday Card from American Express
1%
Citi Double Cash Card
2%
Highest

Statement creditsAs the issuer states them · — means none on record

Entertainment & streaming: Blue Cash Everyday Card from American Express
$7/mo Disney+ · $7 monthly
Citi Double Cash Card
—

Perks & access— means none on record

Other perks: Blue Cash Everyday Card from American Express
Amex Offers
Early access to concerts and events
24/7 global travel assistance
Citi Double Cash Card
Early access to concerts, sports, and theater tickets
Tap to pay with contactless and digital wallets
Pay no interest on balance transfers for 18 months
No annual fee ever on this card

Protections & insuranceLimits where published · — means none on record

Rental car: Blue Cash Everyday Card from American Express
Car Rental Loss and Damage Insurance
Citi Double Cash Card
—
Purchase & returns: Blue Cash Everyday Card from American Express
Up to $1,000 per item against damage or theft
Citi Double Cash Card
Zero Liability on unauthorized transactions
Extended warranty: Blue Cash Everyday Card from American Express
—
Citi Double Cash Card
Extended warranty (secondary coverage)
Other protections: Blue Cash Everyday Card from American Express
Zero liability protection on fraudulent charges
Citi Double Cash Card
Check your FICO score free every month
24/7 fraud monitoring with zero liability protection
Free help resolving identity theft issues
Quick card replacement if your wallet is lost or stolen
Free identity monitoring service from Mastercard network
Create virtual card numbers for safer online shopping
Show 1 more
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Blue Cash Everyday Card from American Express
No annual fee with solid category rewards
3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
Up to $84/year Disney Bundle credit for streaming subscriptions
0% intro APR for 15 months on purchases (3 months longer than Preferred)
As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
Citi Double Cash Card
2% flat rate on all purchases with no caps
No annual fee
0% intro APR for 18 months on balance transfers
Simple earning structure - no tracking categories
Points can combine with other Citi ThankYou cards
Cons: Blue Cash Everyday Card from American Express
3% grocery rate is half of Blue Cash Preferred's 6%
2.7% foreign transaction fee makes it unsuitable for travel
3% rates on gas and online retail are capped at $6,000/year each
1% back on non-category purchases is below average
$6,000 annual cap on grocery bonus limits heavy spenders
Citi Double Cash Card
3% foreign transaction fee
Must pay bill to earn second 1% cash back
No travel insurance or trip protection
Relatively modest $200 welcome bonus
No bonus categories for high spenders

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Citi Double Cash Card wins in 4 of 4 categories. The Blue Cash Everyday Card from American Express leads in 0. 3 more categories depend on booking channel or caps.

Gas Stations

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Online Shopping

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Citi Double Cash Card earns 2X (2X without restrictions)

Hotels

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Car Rentals

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Attractions

Citi Double Cash Card earns 5X vs 1X

5X via issuer travel portal

Everyday purchases

Citi Double Cash Card earns 2X on all other spending vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Blue Cash Everyday Card from American Express	Citi Double Cash Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $162	Rewards: $384 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $384 Year one: $584	Citi Double Cash Card	Citi Double Cash Card
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522	Rewards: $1,536 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,536 Year one: $1,736	Citi Double Cash Card	Citi Double Cash Card

Which Card Is Right for You?

Get the Blue Cash Everyday Card from American Express if you:

+Do most of your spending at grocery stores

Get the Citi Double Cash Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Citi Double Cash Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Citi Double Cash Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express or Citi Double Cash Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Blue Cash Everyday Card from American Express or the Citi Double Cash Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: American Express cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.