The Amex EveryDay® Credit score Card from American Categorical (now not obtainable) is a no-annual-fee various to a few of Amex’s different powerhouse merchandise. Like Amex’s extra premium playing cards, it earns transferable American Categorical Membership Rewards factors and presents class and transaction bonuses.
The knowledge 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, gasoline stations and a self-select class. Plus, factors earned are transferable to Citi’s journey companions, albeit at a diminished 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.
Here is what it’s worthwhile to find out about how these two playing cards match up.
Amex EveryDay vs. Citi Strata comparability
| Amex EveryDay | Citi Strata | |
|---|---|---|
| Annual price | $0 | $0 |
| Welcome bonus | N/A | Earn 30,000 factors after spending $1,000 in purchases throughout the first three months. |
| Incomes |
|
|
| Extra advantages |
|
|
*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 Categorical Journey Associated Companies 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 chargeable 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 is no welcome supply.
New Citi Strata cardholders earn 30,000 bonus factors after spending $1,000 in purchases throughout the first three months. This supply is value $570 based mostly on TPG’s August 2025 valuations.
Winner: Citi Strata, because the Amex EveryDay does not have a welcome supply.
Reward your inbox with the TPG Every day publication
Be a part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
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 moderately 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 will be helpful in serving to you snag live performance tickets early, Mastercard® ID Theft Safety and $0 legal responsibility safety.
Winner: Amex EveryDay. It presents extra advantages, together with some journey protections.
Associated: Your full information to journey protections on American Categorical 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 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 presents 20% bonus factors once you use your card 20 or extra instances on purchases. If you happen to swipe your card lots every month, this could be a good approach to rack up some additional factors.
The Citi Strata earns:
- 5 factors per greenback spent on motels, automobile leases and points of interest booked by means of the Citi Journey 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 embrace:
- Barber outlets, beauty shops and hair salons
- Health golf equipment
- Reside leisure
- Pet provide shops
- Choose streaming providers
- 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 price 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 sweet, however not all might profit from it.
In the meantime, the Citi Strata presents 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 possibility 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: Greatest bank cards for on a regular basis spending
Redeeming factors with the Amex EveryDay vs. Citi Strata
Rewards earned with the Amex EveryDay will be redeemed for journey booked by means of Amex Journey, present playing cards or for Amazon purchases at as much as 1 cent every and may cowl your expenses at 0.6 cents every.
Nonetheless, you will sometimes get most worth once you redeem your factors for journey by means of Amex’s airline and lodge companions.
Citi Strata factors will be redeemed for journey within the Citi Journey portal at 1 cent every, for present playing cards sometimes at 1 cent every, for purchases at Amazon and Greatest Purchase at 0.8 cents per level or redeemed for money again at a lowly 0.5 cents per level.
Redeeming for present playing cards or journey by means of the Citi Journey Portal at 1 cent apiece is a greater possibility, though transferring to companions can be a superior possibility.
Winner: Amex EveryDay. Its redemption choices supply larger worth.
Associated: Greatest methods to redeem Citi ThankYou Rewards factors
Transferring factors with the Amex EveryDay vs. Citi Strata
Each playing cards mean you can switch factors to companions. Every issuer has 20 airline and lodge companions.
Amex permits transfers to fashionable U.S.-based applications like Delta SkyMiles and JetBlue TrueBlue, however you will usually get much more worth by leveraging worldwide airline applications.
TPG’s valuations peg Amex factors at 2 cents apiece, a particularly excessive charge, primarily due to the worth of its factors as soon as transferred to its ample journey companions.
You’ll be able to switch factors earned in your Citi Strata card to any of Citi’s journey companions. Nonetheless, most companions switch at a ratio of 1:0.7. Some fashionable companions embrace 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 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 knowledge 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 Alternative Privileges for motels.
Whereas each Amex factors and Citi factors are helpful, 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’ll be able to switch factors to all companions on the identical ratio as Amex’s extra premium playing cards.
Associated: Greatest methods to make use of Amex Membership Rewards factors, from business-class flights to Europe to budget-friendly lodge stays
Ought to I get the Amex EveryDay or Citi Strata?
If you happen to’re contemplating switching to the Citi Strata, take into consideration what classes you spend essentially the most in. The Strata gives a strong worth and attention-grabbing class bonuses at each supermarkets, gasoline stations and a self-select class every quarter and presents flexibility with redeeming your rewards. Except you propose to swipe your EveryDay a minimum of 20 instances every billing interval, you will doubtless be higher off with the Strata.
Backside line
Each playing cards have their strengths; nonetheless, the Amex EveryDay is now not obtainable to new candidates, making the case much more compelling for the Citi Strata. This might be a strong approach to get began with Citi Thank You factors whereas paying no annual price.
To be taught extra, learn our full critiques of the Amex EveryDay and Citi Strata playing cards.
Apply right here: Citi Strata
