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Citi Diamond Preferred vs Amex Blue Cash Everyday

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: Amex Blue Cash Everyday leads by 8.7 pts. Scores: Citi Diamond Preferred 56.4%, Amex Blue Cash Everyday 65.1%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Citi Diamond Preferred nets $0/yr, Amex Blue Cash Everyday nets $434/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feePreferred: 10.0 · Everyday: 10.0
• Rewards ratePreferred: 0.0 · Everyday: 5.0
• Sign-up bonusPreferred: 0.0 · Everyday: 2.0
• Intro 0% APRPreferred: 10 · Everyday: 8.6
• Regular APRPreferred: 8.5 · Everyday: 7.0
• Foreign transaction feePreferred: 3.0 · Everyday: 3.0
• Regulatory record (CFPB)Preferred: 8.0 · Everyday: 10.0

Downsides

• Citi Diamond Preferred56.4%
  Citi · balance transfer
  Annual fee $0APR 16.74%–27.49% variableRewards 0% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 27.49% if you carry a balance · Penalty APR up to 29.99%

• Amex Blue Cash Everyday65.1%
  American Express · cash back
  Annual fee $0APR 19.74%–28.74% variableRewards 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% otherCredit 720+ (CFPB TCCP targeted tiers)

  ⚠ 2.7% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)

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, Citi Diamond Preferred or Amex Blue Cash Everyday?

On VaultRubric's rubric: Amex Blue Cash Everyday 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.