Blue Cash Preferred® Card from American Express vs Citi Double Cash® Card
Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.
AE Blue Cash Preferred® Card from American Express American Express 96/100 | money8020 pick C Citi Double Cash® Card Citibank 99/100 | |
|---|---|---|
| Tier | Essential | Essential |
| Rewards rate | 1%–6% | 2% |
| Annual fee | $0 intro annual fee the first year, then $95 | $0 |
| Regular APR | 19.49%–28.49% | 17.49%–27.49% |
| Bonus | $300 | $200 |
| Annual fee | $95 | $0 |
| Best for | Cardholders who want cash back that fits their spending | Cardholders who want cash back that fits their spending |
| View profile | View profile |
Which should you choose: the Blue Cash Preferred® Card from American Express or the Citi Double Cash® Card?
The Citi Double Cash® Card is the stronger pick of the two, with a money8020 score of 99/100 versus 96. Choose the Blue Cash Preferred® Card from American Express instead if cardholders who want cash back that fits their spending.
On rewards rate, the Blue Cash Preferred® Card from American Express shows 1%–6% versus the Citi Double Cash® Card's 2%. On annual fee, the Blue Cash Preferred® Card from American Express shows $0 intro annual fee the first year, then $95 versus the Citi Double Cash® Card's $0. On regular APR, the Blue Cash Preferred® Card from American Express shows 19.49%–28.49% versus the Citi Double Cash® Card's 17.49%–27.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.
Blue Cash Preferred® Card from American Express vs Citi Double Cash® Card: FAQ
Is the Blue Cash Preferred® Card from American Express or the Citi Double Cash® Card better?
By our scoring, the Citi Double Cash® Card edges ahead with a money8020 score of 99/100 versus 96. The Blue Cash Preferred® Card from American Express can still be the better fit if cardholders who want cash back that fits their spending.
What is the main difference between the Blue Cash Preferred® Card from American Express and the Citi Double Cash® Card?
On rewards rate, the Blue Cash Preferred® Card from American Express offers 1%–6% while the Citi Double Cash® Card offers 2%. Review the full table above and confirm current terms with each provider. This is not financial advice.