Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Citi Double Cash leads by 4.0 pts. Scores: Amex Blue Cash Preferred 66.3%, Citi Double Cash 70.3%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Blue Cash Preferred nets $499/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feePreferred: 8.0 · Cash: 10.0
Rewards ratePreferred: 6.5 · Cash: 9.5
Sign-up bonusPreferred: 3.3 · Cash: 2.7
Intro 0% APRPreferred: 8.6 · Cash: 8.6
Regular APRPreferred: 7.0 · Cash: 7.4
Foreign transaction feePreferred: 3.0 · Cash: 3.0
Regulatory record (CFPB)Preferred: 10.0 · Cash: 8.0
Annual fee $95 ($0 intro first year, then $95)APR 19.74%–28.74% variableRewards 6% U.S. supermarkets (up to $6k/yr) & select streaming; 3% transit & U.S. gas; 1% otherCredit not found
⚠ $95 annual fee ($0 intro first year, then $95) · 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance
Annual fee $0APR 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR up to 29.99%
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Amex Blue Cash Preferred or Citi Double Cash?
On VaultRubric's rubric: Citi Double Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.