American Express® Blue Cash Preferred® Card vs Citi Strata Premier℠ Card

American Express® Blue Cash Preferred® CardAmerican Express® Blue Cash Preferred® Card

American Express

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Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Cash Back
ThankYou Points
Point Value
1.00¢/pt
1.90¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$250 after $3,000 in 180 days
60,000 ThankYou Points after $4,000 in 90 days

Effective return by category

CategoryAmerican Express® Blue Cash Preferred® CardCiti Strata Premier℠ Card
Groceries6.00%
6x · $6,000 cap
5.70%
3x
Select Streaming6.00%
6x
1.90%
1x
Airfare1.00%
1x
5.70%
3x
Hotels & Lodging1.00%
1x
5.70%
3x
Dining & Restaurants1.00%
1x
5.70%
3x
Gas Stations3.00%
3x
5.70%
3x
EV Charging1.00%
1x
5.70%
3x
Everything else1.00%
1x
1.90%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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