Citi also has a vast selection of credit cards, in categories including Rewards, Travel, Cash back, Balance Transfer and 0% intro rate. Step 1: Starting at ThankYou.com, hover over the Travel menu option to trigger a dropdown menu. Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. This shows that the regulations and restrictions on digital assets are being tightened. The Amex Business Gold card is the business version of the Amex Gold card. Citi offers CDs, personal loans, mortgages, IRAs, investment options, wealth management plans, and a variety of credit card options in addition to checking and savings accounts. Discover is best known for its credit cards with rewards, but it also provides personal, student, and home equity loans. So, unless you prioritize access to more physical branches, Citibank is likely to be a better choice. Underwritten by New Hampshire Insurance Company, an AIG Company. Personal loans, mortgages, credit cards, investment options, IRAs, and wealth management plans are available in addition to savings and checking accounts. is one of the best cash-back credit cards Citi has to offer, even if youre making purchases outside of Costco. Learn more about how we review products and read our advertiser disclosure for how we make money. Personal savings accounts have a high potential yield. Visit americanexpress.com/benefitsguide for more details. For rates and fees of the American Express Gold Card, click here. Benefits: Macy's American Express Card provides access to ticket presales and discounts via Amex Offers. Furthermore, youll enjoy no preset spending limit, access to Pay Over Time, Amex Offers, no foreign transaction fees, and up to 99 total employee cards for no additional annual fee after the first employee card fee of $50 (rates and fees). For rates and fees of The Business Platinum Card from American Express, click here. Arguably, the best credit card in Citis entire portfolio is the Citi Premier card. For more information on our advertisers, see here. But credit requirements may not be as tough as you think. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicants credit approval. Capital One offers checking and savings accounts, children's accounts, auto finance and refinancing, in addition to an impressive selection of credit cards. There is also a choice of cash back cards. For an explanation of our Advertising Policy, visit. The Costco Anywhere Business cardis one of the best cash-back credit cards Citi has to offer, even if youre making purchases outside of Costco. Normally, the welcome bonus only includes a promotional balance transfer APR and balance transfer fee. View the current offers here. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Read Full Comparison: CIT Bank vs American Express: Which Bank Account Is Better For You? This site does not include all credit card companies or all available credit card offers that are on the market. Both cards offer a modest haul of bonus points for signing up and hitting a spending threshold. Citi tends to focus heavily on those looking for cash-back and low fees. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. Citi Prestige. But it doescover more bonus categories than the Amex Gold card, including hotels, air travel, and gas stations. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Its known for its abundance of bonus categories with a focus on rewards over travel benefits. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. American Express is a federally registered service mark of American Express and is used by Citibank, N.A. You want access to far more credit card options to better tailor your choice to your spending preferences. Visit americanexpress.com/benefitsguide for more details. Terms, conditions and limitations apply. Amex and Citi both field great no-annual-fee credit cards aimed squarely at points-and-miles beginners looking for a main loyalty program. Getting 4x points is worth a return on spending of 8.8%, which means that if you maximize the full $150,000 in combined bonus purchases every year, youd be flush with 600,000 Amex points, which are worth $13,000 by our valuations. With both banks offering similar products, we need to look a little more closely at which bank is better. Other benefits that come with this card include secondary rental car coverage, access to the Global Assist hotline, purchase protection, extended warranty, and access to Amex Offers. They are also compelling cards to carry if you tend to spend more on everyday purchases specifically groceries than in the travel and dining categories that Amex and Citis higher-end cards emphasize. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Both cards earn the same number of points for every $1 you spend with American or on everyday purchases. However, this fee is waived for the first 12 months of account opening. Winner: Depends on whether you also hold a premium Citi ThankYou card. Citibank is clearly not in the business of charging exorbitant overdraft fees. Both Amex and Citi have a unique variety of credit cards that earn either Amex points or Citi points. Citibank is concerned about security. The annual fee for this credit card is $450. American Express Platinum or Chase Sapphire Preferred, American Express Platinum vs American Express Gold, American Express Platinum vs Chase Sapphire Preferred, American Express Platinum vs Delta Reserve, American Express Platinum vs American Express Business Platinum, American Express Platinum vs Blue Cash Preferred, American Express Platinum vs Blue Cash Everyday, American Express Platinum vs Delta SkyMiles Gold, American Express Platinum vs Chase Sapphire Reserve, American Express Platinum vs Capital One Venture, American Express Platinum Credit Score Needed, American Express Platinum vs Southwest Credit Card, American Express Platinum vs Amex EveryDay, American Express Platinum vs Citi Double Cash, Delta SkyMiles Reserve American Express Card, Blue Cash Preferred Card from American Express, Delta SkyMiles Gold American Express Card, $99 annual fee, waived for first 12 months*, 80,000 bonus points after you spend $6,000 in first 6 months. Hot Tip:Check to see if youre eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card! For everyday purposes, you might have a slight edge with the Citi Rewards+ thanks to the 10-point round-up feature. Our points-obsessed staff uses a plethora of credit cards on a daily basis. Citi vs Barclays: Which Bank Account Is Better? As one of the foremost experts in credit cards, over the past 4 years, he has amassed, Free Delta SkyMiles for Seattle Seahawks Fans With 12Status, [Expired] 10x Citi Points Bonus on Restaurants and Theaters [Targeted], Comparing Amex Membership Rewards and Citi ThankYou Rewards, Winner: American Express Business Gold Card, Runner-up: The Business Platinum Card from American Express, Winner: The Platinum Card from American Express, Best Premium Travel Rewards Business Card, Winner: The Business Platinum Card from American Express, Winner: Blue Cash Preferred Card from American Express, Runner-up: Blue Cash Everyday Card from American Express, Winner: American Express Blue Business Cash Card, Runner-up: Costco Anywhere Visa Business Card by Citi. With no minimum deposit requirements or monthly fees, you can earn competitive rates on your savings. Still need help deciding which airline credit card is better? You can get up to 10 cents per point of value through these redemptions. Beyond the welcome offers, both cards present strong points-earning potential on everyday spending. However, not everyone always sees the instant card number option, likely based on various security factors. However, American Express does have a higher APY on both savings and checking account , better CD rates and plenty of card options. This is usually a 16-digit number, although it may be anywhere from 12 to 19 digits. Minimum interest charge is $0.50. For the car rental collision damage coverage benefit of the Blue Cash Preferred from American Express, eligibility and benefit level varies by card. For these reasons, we value Amex points at around 2.2 cents each, while Citi points are worth 1.6 cents each. However, even the basic one year CD rate is double that of Citi. Step 3 - On the next page, enter your required address and click on 'Continue'. Furthermore, Citibank provides live customer service, particularly during odd hours. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Costco announced last year that it was changing its co-branded credit card from an American Express to a Visa issued by Citi. Apply Now View Details Macy's American Express Card Earn more wherever you go1 3% back in rewards at restaurands, including delivery 2% back in rewards at gas stations & supermarkets A merchant ID (or MID) is the code used to identify merchants while they process credit card payments. So, as you would expect, there is an impressive array of American Express credit card options. The pandemic may have prohibited me to meet a legend in person, but the feeling of being in the same Webex session with Dato' Sheila Majid is still euphoric Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation, trip delay and interruption insurance benefits of The Business Platinum Card from American Express, eligibility and benefit level varies by card. Use your card 20 times or more in a billing period and earn 20% extra points on those purchases. American Express Platinum vs Citi AAdvantage Compare Rewards, Interest Rates, Fees, and Benefits American Express is a CreditDonkey partner. Although American Express personal loanslacksome consumer-friendly functionalities, such as a discount for setting up automated payments, it will directly pay off your creditors, making these loans appropriate for debt consolidation if you qualify for a low rate. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). You can also earn 2x points per dollar booking travel through AmexTravel.com. He contributed to major publications including Bloomberg, Conde Nast Traveler, National Geographic Traveler and Travel + Leisure before rejoining TPG as director of content in 2021. So, for some cash-back options, this card is a better choice. A third-party American Express card is a credit card that is processed by American Express (rather than Visa or Mastercard) but is not issued by American Express. 80,000 Membership Rewards points . For the baggage insurance plan benefit of The Business Platinum Card from American Express, eligibility and benefit level varies by card. This automatically uses funds from your savings account to help cover overdrafts on your checking account. With the Citi Rewards+ alone, you can transfer points at a ratio of 5:4 to JetBlue TrueBlue. Qatar's program is beyond weak. Earn rewards by linking your savings account to your Citi checking account, Auto save function & other savings package, Up to 9 transfers or withdrawals per month, Overdraft protection with auto transfer from your savings account, ATM network with 65,000+ fee free machines. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). American Express is one of the world's most well-known credit card brand names. If youre looking for a fantastic middle-of-the-road way to earn travel rewards points between Amex and Citi, read this section in-depth to get the inside scoop! This post contains references to products from one or more of our advertisers. Visit americanexpress.com/benefitsguide for more details. The Citi checking account is a fairly standard offering, with a $12 fee that can be waived by making a qualified bill payment or receiving a qualifying deposit, and overdraft protection that will automatically transfer funds from your savings to avoid overdraft fees. Citi has even partnered with some popular brands including AT&T, American Airlines, Expedia and Costco, so you can get the best rewards with your preferred brands. 4x points at restaurants worldwide, plus takeout and delivery in the U.S. 4x points at U.S. supermarkets (up to $25,000 per calendar year), 3x points on airfare booked directly with airlines or via Amex Travel, U.S. purchases foradvertising in select media, U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions, 5x points on flights and prepaid hotels booked via Amex Travel, 1.5x points in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases every year), 1x Membership Rewards points on other purchases, Superb travel insurance, including trip interruption and cancellation insurance, baggage insurance, and more, 5x points on airfare purchased directly with the airline or through Amex Travel (up to $500,000 on these purchases every calendar year), 5x points on prepaid hotels booked through Amex Travel, Access to Fine Hotels & Resorts and The Hotel Collection, Up to $100 Global Entry/TSA PreCheck application fee credit, 5x points on flights and prepaid hotels booked through Amex Travel, 1.5x points on purchases in key business categories and on purchases of $5,000 or more everywhere else, up to $2 million in these purchases per year, 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash-back on transit (including rideshares, parking, tolls, trains, buses, and more), 3% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash-back at U.S. gas stations on up to $6,000 per year in purchases, then 1%, 3% cash-back on U.S. online retail purchases on up to $6,000 per year in purchases, then 1%, 4% cash-back on eligible gas and EV charging purchases, including gas at Costco, up to $7,000 per year and 1% after that, 3% cash-back on restaurants worldwide and on eligible travel purchases worldwide, 2% cash-back on other purchases from Costco and Costco.com. Please view our advertising policy page for more information. We earn a commission from our partner links on this page. We publish data-driven analysis to help you save money & make savvy decisions. The loans can be used to make home improvements, pay off high-interest debt, fund a large purchase, or even invest. To be eligible for a personal loan, you must be a preapproved cardholder. Our runner-up choice is the Amex Blue Cash Everyday card, which many would describe as a toned-down version of the Amex Blue Cash Preferred card. Visit americanexpress.com/benefitsguide for more details. However, they also charge annual fees of hundreds of dollars per year. Luckily, credit card issuers offer similar cards that don't charge annual fees, including both American Express and Citi. Amex is the best about giving out card numbers instantly. This means you can get up to 10,000 points back each year. As a general rule, each of these credit card issuers tends to have product lines that differ greatly, offering value to different ideal customers. Neither card charges you anything to carry it in your wallet year after year. With the Citi Double Cash Card - 18 month BT offer there is no sign-up bonus. Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor, which helps consumers make better financial decisions. American Express Platinum is an excellent card for frequent travelers. Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card. Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. 20% bonus for making 20 or more purchases per billing period, 2x ThankYou at supermarkets and at gas stations on up to $6,000 per year; then 1x ThankYou point, 1x on everything else, points rounded up to nearest 10, Amex Membership Rewards transfers, 1% back on flights through AmexTravel.com, 1% cash back per point, 10% refund on up to 100,000 points per year, possible to combine with premium ThankYou Rewards cards, Travel and purchase protections, access to. If you have a Visa or Mastercard card, it's always going to be linked to an issuing bank such as Capital One. All in all, you have all of the most current information on which cards are the best between Amex and Citi! 2 Skip past the first 6 numbers on your card. In addition to offering more products overall, American Expresss credit cards and charge cards generally offer more value, especially for the premium traveler or business owner.