The Amex EveryDay® Credit Card from American Express (not obtainable) is a no-annual-fee various to a few of Amex’s other powerhouse products. Like Amex’s extra premium playing cards, it earns transferable American Express Membership Rewards points and affords category and transaction bonuses.
The data for the Amex EveryDay card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
The no-annual-fee Citi Strata℠ Card (see rates and fees) additionally packs a punch, incomes bonus Citi ThankYou points at supermarkets, gas stations and a self-select class. Plus, factors earned are transferable to Citi’s travel partners, albeit at a decreased ratio.
If in case you have one other Citi card just like the Citi Strata Premier® Card (see rates and fees), you’ll be able to mix your factors and have entry to the usual switch ratio.
Here is what you have to learn about how these two playing cards match up.
Amex EveryDay vs. Citi Strata comparability
| Amex EveryDay | Citi Strata | |
|---|---|---|
| Annual charge | $0 | $0 |
| Welcome bonus | N/A | Earn 30,000 factors after spending $1,000 in purchases throughout the first three months. |
| Incomes |
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| Further advantages |
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*Eligibility and Profit stage varies by Card. Phrases, Situations and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Underwritten by AMEX Assurance Firm. Automobile Rental Loss or Injury Protection is obtainable by means of American Specific Journey Associated Providers Firm, Inc.
**Eligibility and Profit stage varies by Card. Phrases, Situations and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Card Members are accountable for the prices charged by third-party service suppliers.
Amex EveryDay vs. Citi Strata welcome provide
The Amex EveryDay is not obtainable to new candidates, so there is not any welcome provide.
New Citi Strata cardholders earn 30,000 bonus factors after spending $1,000 in purchases throughout the first three months. This provide is price $570 based mostly on TPG’s August 2025 valuations.
Winner: Citi Strata, because the Amex EveryDay would not have a welcome provide.
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Associated: The best credit card welcome bonuses of the month
Amex EveryDay vs. Citi Strata advantages
The Amex EveryDay affords comparatively normal advantages like automotive rental loss and injury insurance coverage and entry to the International Help Hotline, plus entry to Amex’s Membership Rewards program. You may even have the choice to make use of the Pay with Factors program to e-book your subsequent flight or lodge keep.
Enrollment is required for choose advantages; phrases apply.
The Citi Strata is slightly mild on advantages. You will not discover any assertion credit or journey protections like these discovered on its huge siblings, the Citi Strata Premier or Citi Strata Elite℠ Card (see rates and fees)
You’ll obtain entry to Citi Leisure, which could be helpful in serving to you snag live performance tickets early, Mastercard® ID Theft Safety and $0 legal responsibility safety.
Winner: Amex EveryDay. It affords extra advantages, together with some journey protections.
Associated: Your complete guide to travel protections on American Express cards
Incomes factors with the Amex EveryDay vs. Citi Strata
The 2 playing cards provide comparable and easy-to-comprehend incomes charges.
The Amex EveryDay affords:
- Earn 2 factors per greenback on purchases at U.S. supermarkets (as much as $6,000 in spending annually; then 1 level per greenback) (4% return based mostly on TPG’s August 2025 valuations)
- Earn 1 level per greenback on all different purchases (2%)
The Amex On a regular basis additionally affords 20% bonus factors once you use your card 20 or extra instances on purchases. Should you swipe your card rather a lot every month, this could be a good strategy to rack up some additional factors.
The Citi Strata earns:
- 5 factors per greenback spent on motels, automotive leases and points of interest booked by means of the Citi Travel portal (9.5% return based mostly on TPG’s August 2025 valuations)
- 3 factors per greenback spent at supermarkets and on choose transit, EV charging and gasoline purchases (5.7%)
- 3 factors per greenback spent on an eligible self-select class (which you’ll be able to change every quarter) (5.7%), these embody:
- Barber outlets, beauty shops and hair salons
- Health golf equipment
- Dwell leisure
- Pet provide shops
- Choose streaming companies
- 2 factors per greenback spent at eating places (3.8%)
- 1 level per greenback spent on all different purchases (1.9%)
The Amex EveryDay shines by providing simplicity, however you are able to do higher with different no-annual charge playing cards, because the grocery class is capped at simply $6,000 in spending yearly, and there are not any different bonus classes. The 20% bonus factors in the event you make 20 transactions is good, however not all could profit from it.
In the meantime, the Citi Strata affords a number of on a regular basis spending bonus classes with limitless earnings. The Citi Strata will cowl your bases in additional classes, making it the higher choice for many.
Winner: Citi Strata. With the higher hand at gasoline stations and supermarkets, plus a self-select class, the Citi Strata takes the cake right here.
Associated: Best credit cards for everyday spending
Redeeming factors with the Amex EveryDay vs. Citi Strata
Rewards earned with the Amex EveryDay could be redeemed for journey booked by means of Amex Travel, reward playing cards or for Amazon purchases at as much as 1 cent every and might cowl your fees at 0.6 cents every.
Nevertheless, you may usually get most worth once you redeem your factors for journey by means of Amex’s airline and lodge companions.
Citi Strata factors could be redeemed for journey within the Citi Journey portal at 1 cent every, for reward playing cards usually at 1 cent every, for purchases at Amazon and Finest Purchase at 0.8 cents per level or redeemed for money again at a lowly 0.5 cents per level.
Redeeming for reward playing cards or journey by means of the Citi Journey Portal at 1 cent apiece is a greater choice, though transferring to companions can also be a superior choice.
Winner: Amex EveryDay. Its redemption choices provide increased worth.
Associated: Best ways to redeem Citi ThankYou Rewards points
Transferring factors with the Amex EveryDay vs. Citi Strata
Each playing cards will let you switch factors to companions. Every issuer has 20 airline and lodge companions.
Amex permits transfers to well-liked U.S.-based applications like Delta SkyMiles and JetBlue TrueBlue, however you may usually get much more worth by leveraging worldwide airline applications.
TPG’s valuations peg Amex factors at 2 cents apiece, an especially excessive charge, primarily due to the worth of its factors as soon as transferred to its ample journey companions.
You may switch factors earned in your Citi Strata card to any of Citi’s journey companions. Nevertheless, most companions switch at a ratio of 1:0.7. Some well-liked companions embody American Airlines AAdvantage and Qatar Airways Privilege Club.
If in case you have the Citi Prestige® Card (not obtainable) or Citi Strata Premier alongside along with your Strata, you’ll be able to transfer your factors to your Status or Strata Premier account and switch them to most companions at a 1:1 ratio. Transferring Citi factors brings their worth as much as 1.9 cents every per our valuations. The data for the Citi Status card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
TPG lead author Katie Genter enjoys transferring her Citi ThankYou factors and leveraging switch companions like Air France-KLM Flying Blue and Avianca LifeMiles for flights and Choice Privileges for motels.
Whereas each Amex factors and Citi factors are invaluable, Amex will get the slight edge right here. You additionally do not want one other Amex card to switch your factors on the full ratio.
Winner: Amex EveryDay. You may switch factors to all companions on the similar ratio as Amex’s extra premium playing cards.
Ought to I get the Amex EveryDay or Citi Strata?
Should you’re contemplating switching to the Citi Strata, take into consideration what classes you spend essentially the most in. The Strata offers a strong worth and attention-grabbing class bonuses at each supermarkets, gasoline stations and a self-select class every quarter and affords flexibility with redeeming your rewards. Until you propose to swipe your EveryDay no less than 20 instances every billing interval, you may doubtless be higher off with the Strata.
Backside line
Each playing cards have their strengths; nevertheless, the Amex EveryDay is not obtainable to new candidates, making the case much more compelling for the Citi Strata. This might be a strong strategy to get began with Citi Thank You factors whereas paying no annual charge.
To study extra, learn our full opinions of the Amex EveryDay and Citi Strata playing cards.
Apply right here: Citi Strata
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