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

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

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

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

Should I get the Blue Cash Everyday Card from American Express or the Citi Strata Credit 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 Strata Credit Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

Category	Blue Cash Everyday Card from American Express	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	2X	3X
Grocery Stores	3X	3X
Live Entertainment	1X	3X
Online Shopping	3X

Benefits & Features

Network

AMEX

MASTERCARD

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−3% grocery rate is half of Blue Cash Preferred's 6%
−2.7% foreign transaction fee makes it unsuitable for travel
2% gas rate is below Preferred's 3%

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 11 categories. The Blue Cash Everyday Card from American Express leads in 2.

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Amex Gold Amex Blue Cash Everyday vs Amex Green Amex Blue Cash Everyday vs Bank Of America Customized Cash

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Blue Cash Everyday Card from American Express vs Citi Strata Credit Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

Category	Blue Cash Everyday Card from American Express	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	2X	3X
Grocery Stores	3X	3X
Live Entertainment	1X	3X
Online Shopping	3X

Benefits & Features

Network

AMEX

MASTERCARD

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−3% grocery rate is half of Blue Cash Preferred's 6%
−2.7% foreign transaction fee makes it unsuitable for travel
2% gas rate is below Preferred's 3%

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 11 categories. The Blue Cash Everyday Card from American Express leads in 2.

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Amex Gold Amex Blue Cash Everyday vs Amex Green Amex Blue Cash Everyday vs Bank Of America Customized Cash

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

Blue Cash Everyday Card from American Express vs Citi Strata Credit Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

Category	Blue Cash Everyday Card from American Express	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	2X	3X
Grocery Stores	3X	3X
Live Entertainment	1X	3X
Online Shopping	3X

Benefits & Features

Network

AMEX

MASTERCARD

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−3% grocery rate is half of Blue Cash Preferred's 6%
−2.7% foreign transaction fee makes it unsuitable for travel
2% gas rate is below Preferred's 3%

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 11 categories. The Blue Cash Everyday Card from American Express leads in 2.

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

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

Related Comparisons

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Amex Gold Amex Blue Cash Everyday vs Amex Green Amex Blue Cash Everyday vs Bank Of America Customized Cash

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

Blue Cash Everyday Card from American Express vs Citi Strata Credit Card

Blue Cash Everyday Card from American Express

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Blue Cash Everyday Card from American Express vs Citi Strata Credit Card

Blue Cash Everyday Card from American Express

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Blue Cash Everyday Card from American Express vs Citi Strata Credit Card

Blue Cash Everyday Card from American Express

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?