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

Brendan Harkness

Brendan Harkness | Versus

Apr 27, 2016 | Updated May 27, 2016

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The Blue Cash EveryDay® Card from American Express® and the Citi® Double Cash Card 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®

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.24% - 22.24% (Variable)
Quick Card Facts
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.

Citi® Double Cash Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 13.24% - 23.24% *Variable
Quick Card Facts
  • The only card that earns you cash back twice on every purchase with: unlimited 1% cash back when you buy, plus an additional 1% cash back as you pay for those purchases*
  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • No Category Restrictions, No Caps, No Enrollments in Rotating Categories
  • No Annual Fee

The Rewards

Blue Cash Everyday

You’ll get:

  • 3% cash back at supermarkets (up to $6,000 in purchases per year, then 1% cash back)
  • 2% cash back at gas stations and select department stores
  • 1% cash back for all other purchases
  • A $100 signup bonus for spending $1,000 in the first 3 months
  • 10% cash back at US Wireless Telephone Service Providers in 2016 (up to $200, must apply by 6/15/2016)

Citi Double Cash

  • 2% cash back for every purchase (1% at the time of purchase, and 1% when you pay it off)

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, owning 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®, which offers 6% cash back on groceries and 3% back on gas for a $75 annual fee.

The Benefits

Both of these cards come with quite a few additional shopping and traveling benefits. Here are some of the most interesting from each.

Blue Cash Everyday

Perks

  • Entertainment Access

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

Shopping

  • Extended Warranty

    Adds up to one additional year to eligible warranties of 5 years or less.

  • Purchase Protection

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

  • Return Protection

    Eligible purchases can be reimbursed if the merchant won’t take it back within 90 days. Up to $300 per item, up to $1000 per year for each account.

  • 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

  • Citi Price Rewind

    The Price Rewind service will search the net for cheaper prices on items you buy for 60 days, and you can be reimbursed up to $300 per item.

  • Quick Customer Service

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

Shopping

  • Purchase Protection

    Purchases are covered against damage and theft for 120 days, up to $1,000 per item.

  • Price Protection

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference; up to $300 per item, $1200 per year.

  • Extended Warranty

    Eligible purchases can have their manufacturer’s warranty extended by up to 1 year.

The Verdict

Both of these cards offer a fairly large set of additional benefits, many of which overlap.

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
  • Citi Price Rewind
  • Quick Customer Service
  • Free FICO Credit Score

Security

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

Shopping

  • Extended Warranty
  • Purchase Protection
  • Return Protection
  • Free ShopRunner Membership
  • Purchase Protection
  • Price Protection
  • Extended Warranty Protection

Travel

  • Global Assist Hotline
  • Travel Accident Insurance
  • Roadside Assistance Hotline
  • Car Rental Loss and Damage Insurance
  • Travel Accident Insurance
  • Trip Cancellation / Trip Interruption Insurance
  • Trip Delay Reimbursement
  • Auto Rental Collision Damage Waiver
  • Lost Wallet® Service

The Costs & Fees

Card Annual Fee Intro Purchase APR Intro Balance Transfer APR Regular Purchase and Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Blue Cash Everyday $0 0% for 12 months 0% for 12 months 13.24% - 22.24% (Variable) 25.49% *Variable 2.7%
Double Cash $0 N/A for N/A 0% for 18 months 13.24% - 23.24% *Variable 25.49% *Variable 3%
Card Penalty APR Late Fee Returned Payment Fee
Blue Cash Everyday 29.49% *Variable Up to $37 Up to $37
Double Cash Up to 29.99% *Variable None for the first late payment; up to $35 after that Up to $35

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 12 months on purchases and balance transfers with the Blue Cash Everyday, but that 0% rate only applies to balance transfers with the Double Cash card (for 18 months).

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, 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 own and use both cards, the Everyday for those necessities it’s good for and the Double Cash for everything else.

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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