Citi
Citi Double Cash
89/ 100 · Solid pick
Readers who want one flat-rate no-fee cashback card and aren't interested in tracking categories. The 2% (1% at purchase + 1% at payment) is the cleanest math in the cashback space.
Find your matchCiti Double Cash vs American Express Blue Cash Everyday
A flat 2% card versus a 3% grocery-and-online card, both at $0 fee. The Double Cash earns 2% on every purchase (1% when you buy, 1% when you pay). The Blue Cash Everyday earns 3% at U.S. supermarkets, U.S. online retail, and U.S. gas — each capped at $6,000/yr, then 1%. The decision is whether your spending has a dominant grocery-and-online tilt or is spread evenly across everything.
Scored against our published methodology · Updated July 19, 2026
Take the 60-second quiz
American Express
American Express Blue Cash Everyday
85/ 100 · Solid pick
Family households that want 3% at U.S. supermarkets, gas, and online retail with no annual fee — the $0 AF sibling to the Blue Cash Preferred for households that won't hit the preferred card's grocery cap.
Find your matchBest for — by the numbers
- Citi Double Cash leads on higher published ClearValue score, higher published 0% intro APR period, higher published Rewards score, lower published Ongoing APR (from).
- American Express Blue Cash Everyday leads on lower published Foreign transaction fee.
Per-spec leads are computed from each issuer's published facts and our scored methodology — there is no single overall winner. Reviewed July 19, 2026. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering.
Head-to-head, by the spec
| Spec | Citi Double Cash | American Express Blue Cash Everyday |
|---|---|---|
| Annual fee | $0 | $0 |
| 0% intro APR period | 18 months | 15 months |
| Ongoing APR (from) | 17.49% | 19.49% |
| Foreign transaction fee | 3% | 2.7% |
| Rewards score | 17/20 | 15/20 |
| Fee-structure score | 20/20 | 20/20 |
| ClearValue score | 89/100 | 85/100 |
| Balance transfer fee | Intro $5 or 3% (first 4 months), then $5 or 5% | $5 or 3% |
| Late fee | Up to $41 | Up to $40 |
A check marks the card that leads that spec on published figures. Rows with no marker are either tied or judgment calls (fee wording, late-fee terms) where a single "winner" would misrepresent the data.
What matters most to you?
Tap the spec you care about — we'll show which card leads on it.
For 0% intro APR period, the Citi Double Cash leads (18 months).
Pick the Citi Double Cash if
Diverse spenders with no dominant category who want one simple rate
2% on everything, uncapped, with nothing to track. When your spend is spread across many categories, a flat 2% beats a 3%/1% card that mostly earns the 1%. Just pay in full — the back 1% only credits when you pay the statement.
See your matchesPick the American Express Blue Cash Everyday if
Households whose supermarket and online-retail spend regularly tops ~$500/month combined
3% at U.S. supermarkets, online retail, and gas beats 2% wherever that spend lands, up to $6,000/yr per category. If groceries and online shopping are a big, steady share of your budget, the Everyday out-earns the flat 2%.
See your matchesSkip both if
Warehouse-club and superstore grocery shoppers — the Everyday excludes them, so the Double Cash's flat 2% quietly wins on those trips. And travelers: the Double Cash charges 3% FX and the Everyday 2.7%, so neither is a strong card abroad.
Weighing the numbers yourself? Run our free rewards vs. interest calculator.
Not sure which one is right for you?
Answer a few questions about how you spend and we'll point you to the cards that actually fit — no guesswork.
Take the 60-second quizThe full breakdown
Annual fee
Citi Double Cash: $0
American Express Blue Cash Everyday: $0
Base rate
Citi Double Cash: 2% on everything (1% at purchase + 1% at payment)
American Express Blue Cash Everyday: 1% outside the bonus categories
Bonus earning
Citi Double Cash: None — the 2% is flat and uncapped
American Express Blue Cash Everyday: 3% at U.S. supermarkets, online retail, and gas (each up to $6,000/yr, then 1%)
Who comes out ahead
Citi Double Cash: Wins when spend is spread out across categories
American Express Blue Cash Everyday: Wins when grocery + online retail is a large, steady share of spend
Intro APR
Citi Double Cash: 0% on balance transfers for 18 months (no intro APR on purchases), then 17.49% – 27.49% variable
American Express Blue Cash Everyday: 0% on purchases and balance transfers for 15 months, then 19.49% – 28.49% variable
Foreign transaction fee
Citi Double Cash: 3%
American Express Blue Cash Everyday: 2.7%
Honest knock
Citi Double Cash: Skip a payment and you forfeit the back 1% — the 2% only holds if you pay in full
American Express Blue Cash Everyday: The 3% categories cap at $6,000/yr each and exclude superstores; past the cap it's a 1% card
Frequently asked
Is the Citi Double Cash better than the American Express Blue Cash Everyday?
Neither is universally better — it depends on how you spend. On our published 100-point methodology the Citi Double Cash scores 89/100 (Solid pick) and the American Express Blue Cash Everyday scores 85/100 (Solid pick). Diverse spenders with no dominant category who want one simple rate should lean Citi Double Cash; households whose supermarket and online-retail spend regularly tops ~$500/month combined should lean American Express Blue Cash Everyday. Take the 60-second quiz to see which fits your profile.
What is the annual fee difference between the Citi Double Cash and the American Express Blue Cash Everyday?
The Citi Double Cash carries $0 (no annual fee), sourced from the issuer's published Schumer Box as of July 15, 2026. The American Express Blue Cash Everyday carries $0 (no annual fee), as of July 15, 2026. Fees change — confirm the current number at the issuer before you decide.
Which is better for spending abroad, the Citi Double Cash or the American Express Blue Cash Everyday?
For purchases outside the U.S., the American Express Blue Cash Everyday is the cleaner pick — it charges a 2.7% foreign transaction fee, versus 3% on the Citi Double Cash.
How did ClearValue score the Citi Double Cash versus the American Express Blue Cash Everyday?
We score every card across five dimensions — effective rewards, fee structure, audience fit, transparency, and the weakness named — 0–20 each for a 100-point total. The Citi Double Cash earned 89/100 and the American Express Blue Cash Everyday earned 85/100. Scoring follows our published methodology and is never influenced by compensation.
Keep comparing
Independent editorial comparison. ClearValue Cards is not a card issuer, a bank, or a lender. ClearValue Cards earns compensation through our CardRatings partnership, paid when a reader clicks out to CardRatings from our match tool, and through separately labeled, paid partner placements (marked "Advertiser Disclosure · Sponsored") that sit outside our card rankings. Neither compensation source influences editorial scoring or ordering. Card facts are sourced from each issuer's published Schumer Box and terms — confirm current numbers at the issuer. See disclosure.