The Amex EveryDay® Credit score Card from American Specific (now not obtainable) is a no-annual-fee different to a few of Amex’s different powerhouse merchandise. Like Amex’s extra premium playing cards, it earns transferable American Specific Membership Rewards factors and affords class 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 charges and costs) additionally packs a punch, incomes bonus Citi ThankYou factors at supermarkets, fuel stations and a self-select class. Plus, factors earned are transferable to Citi’s journey companions, albeit at a lowered ratio.
If in case you have one other Citi card just like the Citi Strata Premier® Card (see charges and costs), you’ll be able to mix your factors and have entry to the usual switch ratio.
This 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 payment | $0 | $0 |
| Welcome bonus | N/A | Earn 30,000 factors after spending $1,000 in purchases inside the first three months. |
| Incomes |
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| Further advantages |
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*Eligibility and Profit degree varies by Card. Phrases, Circumstances 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 way of American Specific Journey Associated Providers Firm, Inc.
**Eligibility and Profit degree varies by Card. Phrases, Circumstances and Limitations Apply. Please go to americanexpress.com/benefitsguide for extra particulars. Card Members are answerable for the prices charged by third-party service suppliers.
Amex EveryDay vs. Citi Strata welcome supply
The Amex EveryDay is now not obtainable to new candidates, so there isn’t any welcome supply.
New Citi Strata cardholders earn 30,000 bonus factors after spending $1,000 in purchases inside the first three months. This supply is price $570 primarily based on TPG’s August 2025 valuations.
Winner: Citi Strata, because the Amex EveryDay would not have a welcome supply.
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Associated: The perfect bank card welcome bonuses of the month
Amex EveryDay vs. Citi Strata advantages
Enrollment is required for choose advantages; phrases apply.
The Citi Strata is reasonably mild on advantages. You will not discover any assertion credit or journey protections like these discovered on its large siblings, the Citi Strata Premier or Citi Strata Elite℠ Card (see charges and costs)
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 full information to journey protections on American Specific playing cards
Incomes factors with the Amex EveryDay vs. Citi Strata
The 2 playing cards supply comparable and easy-to-comprehend incomes charges.
- Earn 2 factors per greenback on purchases at U.S. supermarkets (as much as $6,000 in spending every year; then 1 level per greenback) (4% return primarily based 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 if you use your card 20 or extra occasions on purchases. In case you swipe your card loads every month, this could be a good method to rack up some further factors.
The Citi Strata earns:
- 5 factors per greenback spent on accommodations, automotive leases and points of interest booked by way of the Citi Journey portal (9.5% return primarily based on TPG’s August 2025 valuations)
- 3 factors per greenback spent at supermarkets and on choose transit, EV charging and fuel 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 retailers, beauty shops and hair salons
- Health golf equipment
- Stay 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 payment playing cards, because the grocery class is capped at simply $6,000 in spending yearly, and there aren’t any different bonus classes. The 20% bonus factors in case 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 fuel stations and supermarkets, plus a self-select class, the Citi Strata takes the cake right here.
Associated: Finest bank cards for on a regular basis spending
Redeeming factors with the Amex EveryDay vs. Citi Strata
Rewards earned with the Amex EveryDay could be redeemed for journey booked by way of Amex Journey, reward playing cards or for Amazon purchases at as much as 1 cent every and may cowl your costs at 0.6 cents every.
Nevertheless, you may sometimes get most worth if you redeem your factors for journey by way of Amex’s airline and resort companions.
Citi Strata factors could be redeemed for journey within the Citi Journey portal at 1 cent every, for reward playing cards sometimes 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 way 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 supply increased worth.
Associated: Finest methods to redeem Citi ThankYou Rewards factors
Transferring factors with the Amex EveryDay vs. Citi Strata
Each playing cards assist you to switch factors to companions. Every issuer has 20 airline and resort companions.
Amex permits transfers to widespread U.S.-based packages like Delta SkyMiles and JetBlue TrueBlue, however you may typically get much more worth by leveraging worldwide airline packages.
TPG’s valuations peg Amex factors at 2 cents apiece, a particularly excessive fee, primarily due to the worth of its factors as soon as transferred to its ample journey companions.
You possibly can 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 widespread companions embody American Airways AAdvantage and Qatar Airways Privilege Membership.
If in case you have the Citi Status® Card (now not obtainable) or Citi Strata Premier alongside together 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 Selection Privileges for accommodations.
Whereas each Amex factors and Citi factors are worthwhile, 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 possibly can switch factors to all companions on the identical ratio as Amex’s extra premium playing cards.
Associated: Finest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly resort stays
Ought to I get the Amex EveryDay or Citi Strata?
In case you’re contemplating switching to the Citi Strata, take into consideration what classes you spend essentially the most in. The Strata offers a stable worth and fascinating class bonuses at each supermarkets, fuel stations and a self-select class every quarter and affords flexibility with redeeming your rewards. Except you propose to swipe your EveryDay at the very least 20 occasions every billing interval, you may probably be higher off with the Strata.
Backside line
Each playing cards have their strengths; nevertheless, the Amex EveryDay is now not obtainable to new candidates, making the case much more compelling for the Citi Strata. This could possibly be a stable method to get began with Citi Thank You factors whereas paying no annual payment.
To be taught extra, learn our full evaluations of the Amex EveryDay and Citi Strata playing cards.
Apply right here: Citi Strata
