American Express vs Citi
Citi CASHBACK pays 17.49% APR; American Express CASHBACK pays 19.49%. Trade-offs depend on what you prioritize — see the breakdown below.
Option A
American Express
19.49%
APR
- Min
- $0
- Fee
- $0/mo
Best for: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
Open with American Express →Option B
Citi
- Min
- $0
- Fee
- $0/mo
Best for: Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not
Open with Citi →How this comparison was built
Rates and fees are pulled from each provider's published rate disclosures and reviewed by our product data pipeline. The verdict above is generated from the verified data — we don't accept payments to influence rankings. Last refreshed 9/6/2026.