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Amex EveryDay vs Citi Rewards+: Comparing Two Top Credit Cards

Are you in the market for a new credit card? If so, you may be overwhelmed by the numerous options available.

One option to consider is the Amex EveryDay credit card, while another is the Citi Rewards+ credit card. Both cards offer their own unique benefits and features that may be of interest to you.

In this article, we will compare and contrast these two credit cards to help you make an informed decision.

1) Card Details

– Amex EveryDay:

– Annual Fee: $0

– Welcome Bonus: 10,000 points after spending $1,000 in the first 3 months

– 0% intro APR on purchases and balance transfers for the first 15 months

– Earning: 2x points at US supermarkets (up to $6,000 per year in purchases), 1x point on other purchases

– Redeeming: Flexible redemption options through Amex Membership Rewards program

– Other Benefits: Travel and purchase protections, extended warranty protection

– Citi Rewards+:

– Annual Fee: $0

– Welcome Bonus: 15,000 points after spending $1,000 in the first 3 months (20% bonus on rounded-up points)

– 0% intro APR on balance transfers for the first 15 months

– Earning: 2x points at US supermarkets and gas stations (up to $6,000 per year in purchases), 1x point on other purchases

– Redeeming: Flexible redemption options through Citi ThankYou points program

– Other Benefits: Foreign transaction fees waived, travel and shopping protections, purchase protection, return protection, extended warranty protection

2) Annual Fee and Welcome Bonus

– Amex EveryDay has no annual fee, making it a great option for those looking to avoid annual costs. The welcome bonus includes 10,000 points after spending $1,000 in the first 3 months.

– Citi Rewards+ also has no annual fee, and the welcome bonus includes 15,000 points after spending $1,000 in the first 3 months. Additionally, Citi Rewards+ offers a 20% bonus on rounded-up points, making it a unique and enticing feature for those looking to maximize their rewards.

3) Intro APR and Earning

– Amex EveryDay offers a 0% intro APR on purchases and balance transfers for the first 15 months. This is a valuable feature for those looking to consolidate their debt or make a large purchase without accruing interest.

– Citi Rewards+ also offers a 0% intro APR, but specifically on balance transfers for the first 15 months. This feature is beneficial for those wanting to transfer existing debt to a card with lower interest rates.

In terms of earning, both cards offer 2x points at US supermarkets, but Citi Rewards+ also offers 2x points at gas stations. Both cards earn 1x point on other purchases.

4) Redeeming and Other Benefits

– Amex EveryDay allows you to redeem your points through the Amex Membership Rewards program, which offers a wide range of redemption options such as travel, statement credits, and merchandise. The flexibility of these options allows cardholders to choose the rewards that best suit their needs.

– Citi Rewards+ allows you to redeem your points through the Citi ThankYou points program, which also offers a variety of redemption options including travel, gift cards, and statement credits. Additionally, Citi Rewards+ has the unique feature of rounding up each purchase to the nearest 10 points, providing an added boost to your rewards balance.

– Both cards offer other benefits such as travel and shopping protections, extended warranty protection, and purchase protection. These benefits can provide peace of mind when making purchases or traveling.

5) Which One Should I Get? – For points and miles beginners or those looking for simplicity, the Amex EveryDay card may be the better choice.

With its straightforward earning structure and flexible redemption options, it is easy to understand and use. – If you value travel protections and opportunities for earning points through grocery spending, the Citi Rewards+ card may be a better fit for you.

The unique rounding-up feature can also be a significant advantage for those who make frequent, small purchases. 6) Should I Get Both Cards?

– If you are willing to meet the spending requirements and manage multiple credit cards, getting both the Amex EveryDay and Citi Rewards+ cards can be a strategic move. By leveraging the benefits and rewards of both cards, you can maximize your earning potential and take advantage of a broader range of redemption options.

However, keep in mind that both cards have their own annual fees to consider. In conclusion, the Amex EveryDay and Citi Rewards+ credit cards offer unique features and benefits that can cater to different individuals’ needs.

Understanding the details and comparing them side by side can help you make an informed decision. Whether you value simplicity, travel protections, or maximizing your earning potential, one of these cards may be the right fit for you.

3) Bottom Line

When comparing the Amex EveryDay and Citi Rewards+ credit cards, it’s important to consider their key features and benefits. Both cards are no-annual-fee credit cards that cater to points-and-miles beginners, making them accessible options for those new to the rewards game.

One significant difference between the two cards lies in their main loyalty programs. The Amex EveryDay card earns points through the Amex Membership Rewards program, while the Citi Rewards+ card earns points through the Citi ThankYou points program.

These programs have their own set of transfer partners and redemption options, so it’s important to assess their usefulness based on your personal preferences and desired rewards. The flexibility of points earned with the Amex EveryDay card is a major draw.

With access to the Amex Membership Rewards program, cardholders have a wide range of options for redeeming their points. From travel to statement credits to merchandise, there are plenty of ways to make the most of your rewards.

Additionally, Amex often runs transfer bonuses to its travel partners, allowing you to get even more value out of your points. The ability to customize your rewards can make the Amex EveryDay card a great fit for those who want maximum flexibility.

On the other hand, the Citi Rewards+ card offers a distinctive feature that sets it apart from other credit cards. With each purchase, Citi Rewards+ rounds up your points to the nearest 10 points.

For example, if you make a $4 purchase, you will earn 10 points instead of just 4. This small rounding-up feature can add up over time, giving you a little boost to your rewards balance.

If you frequently make small purchases, this unique feature can be particularly beneficial and a valuable addition to your rewards strategy. Both cards also come with impressive sign-up bonuses.

The Amex EveryDay card offers 10,000 points when you spend $1,000 in the first 3 months, while the Citi Rewards+ card offers 15,000 points after spending the same amount in the same time frame. These sign-up bonuses provide a quick and easy way to earn a substantial amount of points right from the start, giving you a head start on your rewards journey.

It’s also worth considering the cash-back option offered by the Citi Rewards+ card. While both cards primarily earn points, the Citi Rewards+ card allows you to redeem your rewards for cash back at a rate of 1% cash back on all purchases.

This can be a convenient way to offset your expenses or use your rewards in a more practical manner if you prefer cash over travel or merchandise. In summary, the Amex EveryDay and Citi Rewards+ credit cards are both solid options for points-and-miles beginners or those looking for a no-annual-fee credit card.

The Amex EveryDay card shines in its flexibility and wide range of redemption options, allowing cardholders to tailor their rewards to their preferences. On the other hand, the Citi Rewards+ card offers a unique rounding-up feature and a cash-back option, appealing to those who make small purchases frequently or prefer cash rewards.

Ultimately, the right choice between the two will depend on your individual needs and your preferred loyalty program. It’s important to evaluate how you plan to use your points, what benefits are most important to you, and which sign-up bonus aligns with your spending habits.

By carefully considering these factors, you can make an informed decision that aligns with your goals and maximizes your rewards potential. In conclusion, when comparing the Amex EveryDay and Citi Rewards+ credit cards, it’s important to consider factors such as their annual fees, welcome bonuses, intro APR, earning potential, redemption options, and other benefits.

The Amex EveryDay card offers flexibility through the Amex Membership Rewards program, while the Citi Rewards+ card stands out with its unique rounding-up feature and cash-back option. Both cards cater to points-and-miles beginners and offer valuable benefits.

Ultimately, the right choice depends on your individual preferences and goals. Whether you prioritize flexibility, earning opportunities, or specific features, carefully assessing these factors will help you make an informed decision and embark on a rewarding credit card journey.

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