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

Network

Key Benefits

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)

• +No annual fee
• +20,000 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%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −3% foreign transaction fee
• −5X rate requires booking through Citi Travel portal
• −Self-Select category can only change quarterly
• −Lower transfer value compared to premium ThankYou cards