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

4 min read
By Brendan Harkness Apr 27, 2016 | Updated Nov 12, 2020

The Blue Cash Everyday® Card from American Express (Review) and the Citi® Double Cash Card – 18 month BT offer (Review) are both popular reward credit cards, but they offer different amounts of cash back for different kinds of purchases.

The Blue Cash EveryDay card is designed for the kind of spending we all do almost everyday, as the name suggests, while the Double Cash card provides the same amount of cash back no matter where you shop. Neither one has an annual fee.

One of these cards could be pretty useful for you – maybe even both. Keep reading to learn what makes them different and how they can help you save a buck.

Blue Cash Everyday® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0
Regular APR13.99% - 23.99% Variable
Apply Now

securely on the issuer's website

  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit levelExcellent
Details
Annual Fee$0
Regular APR13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

The Rewards

Blue Cash Everyday

You’ll get:

  • 3% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1% cash back)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back for all other purchases
  • $100 cash back for spending $1,000 in the first 6 months; 20% back on Amazon purchases, up to $200, in the first 6 months

Citi Double Cash

  • 2% cash back for every purchase (1% at the time of purchase, and 1% when you pay it off as long as you pay at least the minimum due on time)

The Verdict

As you can see, these cards offer very different rewards.

The Everyday card is good for shopping at supermarkets, gas stations, and some department stores (along with cell phone bills, for a limited time). If you’re making these kinds of purchases regularly, this card could save you a nice bit of cash over the years.

The Double Cash card, on the other hand, offers the same 2% cash back for every purchase you make. This makes it a good pick for all kinds of purchases, including the random ones that might not fit into a credit card reward category.

These cards would actually work very well together. If you own both, you can use the Everyday card for groceries, gas, and department store purchases, and use the Double Cash for everything else. This will help you keep your balances low on both cards while getting the most rewards you can. Don’t worry, having multiple credit cards doesn’t have to hurt your credit score and can actually be quite useful.

Insider tip

Do you like this combination of cards, but wish you could get better rewards for groceries and gas? Then check out the Blue Cash Preferred® Card from American Express (Review), which offers 6% cash back at U.S. supermarkets (up to $6,000, then 1%) and on select U.S. streaming services, plus 3% back at U.S. gas stations and on transit for an annual fee of: $0 introductory annual fee for one year, then $95 (Rates & Fees). See our side-by-side comparison of the two Blue Cash cards to learn more.

The Benefits

Here are some of the most interesting benefits from each card.

Blue Cash Everyday

Perks

  • Entertainment Access

    Discounts to card member-only events, concerts, sporting events, and shows.

Shopping

  • Purchase Protection

    Items purchased with your card are protected against accidental damage and theft for 90 days.

  • Free ShopRunner Membership

    Provides free 2-day shipping and free return shipping on eligible items at participating stores.

Double Cash

Perks

  • Personal Concierge Service

    A personal assistant for help in any non-emergency situations, such as making travel and business reservations or finding hard-to-find gifts. Call 1-800-950-5114 to reach your concierge.

  • Citi® Private Pass®

    Receive invitations to exclusive experiences and VIP events, including pre-sale and preferred tickets to concerts, sports, and shows.

  • Quick Customer Service

    Just say ‘representative’ when you call customer service to be directly connected to a real human.

The Verdict

The Double Cash used to offer a comparable number of shopping and traveling benefits, but has since been reduced to a few basic security features.

The Blue Cash Everyday offers the Entertainment Access service, which you could use to find a good deal on a show or sports game. The Double Cash card has the Private Pass service, which is fairly similar, and these are some of the more interesting benefits offered.

The Double Cash card also includes a personal concierge service, however, and this is a great find on a card like this with no annual fee. You can use this service any time you need non-emergency assistance, and it can really help out in a pinch.

Each card also has several travel benefits and security features that weren’t described above.

Here’s a side-by-side comparison of the benefits offered by each card:

Blue Cash Everyday Citi Double Cash

Perks

  • Entertainment Access
  • Personal Concierge Service
  • Citi Private Pass
  • Quick Customer Service
  • Free FICO Credit Score

Security

  • Dispute Resolution
  • Fraud Protection
  • Citi® Identity Theft Solutions
  • Fraud Protection

Shopping

  • Purchase Protection
  • Free ShopRunner Membership

Travel

  • Global Assist Hotline
  • Car Rental Loss and Damage Insurance
  • Lost Wallet® Service

The Costs & Fees

Card Annual Fee Purchase APR Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Blue Cash Everyday $0 0% on purchases for 15 months, then 13.99% - 23.99% Variable None 25.24% Variable 2.7% of each transaction after conversion to US dollars.
Double Cash $0 13.99% – 23.99% (Variable) 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable) 25.24% (Variable) 3%
Card Penalty APR Late Fee Returned Payment Fee
Blue Cash Everyday 29.24% Variable Up to $40 Up to $40
Double Cash Up to 29.99% (Variable) Up to $40 Up to $40

The Verdict

The rates and fees for these cards are pretty much the same, with one very important difference: you’ll get a 0% introductory APR for 15 months on purchases with the Blue Cash Everyday (then 13.99% - 23.99% Variable) (Rates & Fees). The Double Cash card, on the other hand, provides a 0% rate for 18 months on Balance Transfers only.

Other than that, these cards are pretty comparable, except that Citi will forgive your first late payment, which is nice but not a major concern.

Neither card has an annual fee (Rates & Fees), so they shouldn’t cost you anything as long as you use them responsibly.

The Bottom Line

The Blue Cash Everyday Card from American Express and the Citi Double Cash Card will both reward you for spending, but they’ll do it very differently. If you’re trying to figure out which one of these cards to get, start by thinking about their rewards because the other features are pretty similar.

Do you spend money each month on gas and groceries? If so, a rewards card could help you save a bit of money, and the Blue Cash Everyday is not a bad choice for that.

Or do you need a card that provides a decent reward for any kind of spending you do, good for buying just about anything? The 2% cash back from the Double Cash is one of the better deals you’ll find on credit cards, and don’t forget that you’ll get the personal concierge service.

Remember that it’s not a bad idea to have and use both cards, the Everyday for those necessities it’s good for and the Double Cash for everything else.

Blue Cash Everyday® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0
Regular APR13.99% - 23.99% Variable
Apply Now

securely on the issuer's website

  • Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

American Express is a Credit Card Insider advertiser.

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit levelExcellent
Details
Annual Fee$0
Regular APR13.99% – 23.99% (Variable)
Apply Now

securely on the issuer's website

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Citi is a Credit Card Insider advertiser.

If you use one of these credit cards, how do you like it? Leave your own review of the Blue Cash Everyday Card from American Express or the Citi Double Cash Card, we’d love to hear from you!

Or learn more about Reward Credit Cards and see our picks for the best cards!

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For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.

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