Citi Simplicity® vs. Blue Cash Preferred® Card from American Express
Side-by-side comparison · Updated 2026 · Independently reviewed
Citi Simplicity®
Citi
4.3
0% intro APR for 21 months on balance transfers. No late fees ever.
Full review →
Blue Cash Preferred® Card from American Express
American Express
4.6
6% at U.S. supermarkets (up to $6k/yr). 6% on select streaming.
Full review →WealthSpott Verdict
Citi Simplicity® wins on more measurable categories — particularly annual cost. Blue Cash Preferred® Card from American Express may still win for your wallet depending on how you spend.
Feature
Citi Simplicity®
Blue Cash Preferred®
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
None
$350
Rewards Rate
0%
1%-6%
Rewards Type
None
Cash Back
0% Intro APR
0% for 12 months
0% for 12 months
Regular APR
18.49%-28.99% Variable Best
19.24%-29.99% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Citi Simplicity®
Pros
- 0% intro APR for 21 months on balance transfers
- No annual fee
- No late fees — ever
Cons
- No rewards program
- 3% foreign transaction fee
- Purchase APR intro only 12 months
Blue Cash Preferred® Card from American Express
Pros
- 6% back at U.S. supermarkets (up to $6k/year)
- 6% on select streaming subscriptions
- $0 intro annual fee for first year
Cons
- $95 annual fee after first year
- 6% grocery bonus caps at $6,000/year
- Foreign transaction fee
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