Winner: Depends on whether you also hold a premium Citi ThankYou card. While Chase and American Express have historically made it easier to rack up rewards through multiple cards in the same program, Citi has become more competitive. This is another area where American Express comes out on top. The banks websites are also very helpful and enhance the customers digital experience. This site does not include all credit card companies or all available credit card offers that are on the market. All in all, you have all of the most current information on which cards are the best between Amex and Citi! The Amex app is available for iOS and Android with a rating of 4.9/5 and 4.5/5 respectively on the Apple Store and Google Play. Cash advance fee - either $10 or 5% of the amount of each cash advance, whichever is greater. There is no limit to the amount of rewards you can earn with your debit card, and your purchases are protected for 90 days against theft or damage. Visit americanexpress.com/benefitsguide for more details. Method 1 Locating the Account Number on Your Card 1 Find the number located on the front of your card. . Your rewards are automatically credited to your statement every month, too. Barclays' product line is more streamlined. Arguably, the best credit card in Citis entire portfolio is the Citi Premier card. This well and truly marks the death of GrabPay, since there's no reason at all to use it in the absence of credit card rewards (well, the UOB . 4x points at restaurants worldwide, plus takeout and delivery in the U.S. 4x points at U.S. supermarkets (up to $25,000 per calendar year), 3x points on airfare booked directly with airlines or via Amex Travel, U.S. purchases foradvertising in select media, U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions, 5x points on flights and prepaid hotels booked via Amex Travel, 1.5x points in key business categories and on purchases of $5,000 or more everywhere else (up to $2 million in purchases every year), 1x Membership Rewards points on other purchases, Superb travel insurance, including trip interruption and cancellation insurance, baggage insurance, and more, 5x points on airfare purchased directly with the airline or through Amex Travel (up to $500,000 on these purchases every calendar year), 5x points on prepaid hotels booked through Amex Travel, Access to Fine Hotels & Resorts and The Hotel Collection, Up to $100 Global Entry/TSA PreCheck application fee credit, 5x points on flights and prepaid hotels booked through Amex Travel, 1.5x points on purchases in key business categories and on purchases of $5,000 or more everywhere else, up to $2 million in these purchases per year, 6% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash-back on transit (including rideshares, parking, tolls, trains, buses, and more), 3% cash-back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%, 3% cash-back at U.S. gas stations on up to $6,000 per year in purchases, then 1%, 3% cash-back on U.S. online retail purchases on up to $6,000 per year in purchases, then 1%, 4% cash-back on eligible gas and EV charging purchases, including gas at Costco, up to $7,000 per year and 1% after that, 3% cash-back on restaurants worldwide and on eligible travel purchases worldwide, 2% cash-back on other purchases from Costco and Costco.com. Terms, conditions and limitations apply. This bank offers credit cards, savings accounts, credit cards, and personal loans. New to airline miles? For rates and fees of The Platinum Card from American Express, click, For rates and fees of the American Express Gold Card, click, For rates and fees of the Blue Cash Preferred from American Express, click, For rates and fees of the Blue Cash Everyday from American Express, click, For rates and fees of The Business Platinum Card from American Express, click, For rates and fees of the American Express Business Gold Card, click, For rates and fees of the American Express Blue Business Cash Card, click. Be sure to call the number on the back of your card and ask for your options. 3 Annual Fee Cards. The more money you deposit, the more interest you earn, but there is no minimum deposit amount. All information is provided without warranty. Learn more about how we review products and read our advertiser disclosure for how we make money. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicants credit approval. Amex EveryDay: What is so surprising about this card is that, though it carries no annual fee, it earns fully transferable American Express Membership Rewards points. Because there are over 60,000 ATMs available for you to use to access your money, this is a great way to organize your finances and access your funds. For the return protection benefit of The Platinum Card from American Express, eligibility and benefit level varies by card. Citi offers a similar type of credit card rewards program known as Citi ThankYou Rewards. However, many would say that Citibank and American Express are direct competitors. Citi Rewards+: 0% Intro APR on balance transfers and purchases for 15 months. The most obvious product gap is the absence of a checking account. For example, the USAA Cashback Rewards Plus American Express Credit Card is issued by USAA, despite having Amex in its name. *See the card issuer's online application for details about terms and conditions. Although the points you earn with it are (for the most part) not transferable to Citi ThankYous airline partners, if you have a premium Citi ThankYou card like the Citi Premier Card or Citi Prestige Card you can combine your points and transfer from there. Right now, theres a limited-time welcome bonus that includes cash-back. All Rights Reserved. Savings accounts, CDs, an eChecking account, home loans, and mortgages are all available. Citi offers home loans, personal loans, lines of credit, wealth management options, and investments, as well as everyday and premium banking services. Wells Fargo provides savings and checking accounts, but it also provides mortgages, loans, and investment options such as IRAs, 401ks, and wealth management products. (The current public offer is 80,000 points.). If you have a Visa or Mastercard card, it's always going to be linked to an issuing bank such as Capital One. While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The annual percentage yield (APY) is a percentage that represents the amount of money or interest earned on your savings account over the course of a year. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Read Full Comparison: Citi vs Wells Fargo: Which Bank Account Is Better? Is there a physical American Express bank? If youre just getting started with points and miles, either of these cards is a decent choice that lets you try out a major points program without committing to the expense of an annual fee. Furthermore, youll enjoy no preset spending limit, access to Pay Over Time, Amex Offers, no foreign transaction fees, and up to 99 total employee cards for no additional annual fee after the first employee card fee of $50 (rates and fees). However, remember that if you don't have a premium Citi ThankYou card, you won't have access to the full benefits of the Citi ThankYou Rewards program. Plus, authorized users can be added for no additional annual fee (rates and fees). Citi is an advertising partner. A third-party American Express card is a credit card that is processed by American Express (rather than Visa or Mastercard) but is not issued by American Express. Read Full Comparison:Discover vs American Express: Which Bank Account Is Better? This automatically uses funds from your savings account to help cover overdrafts on your checking account. Is American Express National Bank recommended? Furthermore, American Express does not perform a hard credit inquiry during the preapproval or application process. Furthermore, Citibank is FDIC insured, so your funds are safe up to the legal limits. Read full review . American Express does not make many borrower requirements public. Malaysia is only useful to the extent there are some routes where premium cabin awards still post as revenue-earning tickets when credited to British Airways. Specifically with Citi, you typically cannot earn another sign-up bonus with an additional card from the ThankYou family within a 24-month period. Citi Savings Account Build your savings today with Citi Learn More Checking Accounts This is where you keep the money you'll need to pay your regular bills: rent, mobile phone, utilities, childcare, car payments and credit cards. Additionally, you will be able to utilize all the account features and benefits associated with your new account. For those looking to save money with a well-known financial institution, the American Express High Yield Savings Account is a popular option. And among all the different kinds of cards offered, the competition may be fiercest among cash back credit cards. If you're considering getting both cards, make sure you can meet the spending requirements for both their bonuses. American Express National Bank is a respectable, secure banking option that does not offer any extra features but does offer the most important one. Citi doesnt offer much in the way of travel protections or benefits, but youdo get to use a $100 annual hotel savings benefit on a single stay of at least $500, excluding taxes and fees, when booked through thankyou.com. Some transfer partners are linked to both Amex and Citi: Meanwhile, Amex offers a few incredibly useful transfer partnerships that Citi does not: On the flip-side, Citi offers a few additional transfer partnerships that Amex does not: Based on the transfer partnerships offered, we believe Amex points are significantly more valuable than Citi points. So, if you have a credit card query, it is a different number than if you had a question about your savings account. But, unlike most other issuers, Citi may allow you to downgrade to cards outside the original card's family. Each of these cards carry an annual membership fee which is $695, $250 and $150 respectively. Reports have shown that this benefit even extends to points redemptions from your other linked ThankYou accounts. Yes, Citi and Citibank are the same, as Citi is just the shortened form of the longer brand name Citibank. Discover began as a credit card company and has since expanded into banking services. welcome bonus offer of up to 150,000 points with the Amex Platinum card! Apply Now View Details Macy's American Express Card Earn more wherever you go1 3% back in rewards at restaurands, including delivery 2% back in rewards at gas stations & supermarkets Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation, trip delay and interruption insurance benefits of The Business Platinum Card from American Express, eligibility and benefit level varies by card. However, if you also have the Citi Premier or Citi Prestige, you can combine your points and transfer them to the ThankYou Rewards programs 15 airline partners. Terms, conditions and limitations apply. American Express and Citi are 2 of the most talked-about banks in the U.S. With a storied past, both of these New York-based companies offer clients tons of value, whether they're small business owners, consumers, or large corporations.