American Express’s AMEXEverydy® credit card (no longer available) is an annual replacement for some of AMEX’s other PowerHouse products. Like more premium cards from Amex, it earns transferable American Express membership bonus points and offers category and transaction bonuses.
The information on the Amex Daily Card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
No youthful fees Citi tier ℠ card (See Rates and Fees) Also packed a punch, winning bonuses in supermarkets, gas stations and self-selective categories Citi Thank You Points. Additionally, earned points can be transferred to Citi’s travel partners, although the ratio has been reduced.
If you have another Citi card Citi Layer Premier® Card (See Rates and Fees) You can combine points and have access to standard transfer ratios.
This is how you need to understand how these two cards match.
Comparison of Amex’s daily life with Citigroup
| amex every day | Citi floor | |
|---|---|---|
| Annual fee | $ 0 | $ 0 |
| Welcome bonus | N/A. | Earn 30,000 points after spending $1,000 in purchases in the first three months. |
| Earn |
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| Other benefits |
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*Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. Please visit AmericaneXpress.com/benefitsguide for more details. Undertaken by Amex Assurance Company. Provides car rental loss or loss coverage through American Express travel-related services.
**Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. Please visit AmericaneXpress.com/benefitsguide for more details. Card members are responsible for the fees charged by third-party service providers.
Amex Daveter and Citi floor welcome offer
AMEX is no longer available to new applicants, so there is no welcome offer.
New Citi floor Cardholders earn 30,000 bonus points after spending $1,000 in purchases in the first three months. According to TPG’s August 2025 valuation, this offer is worth $570.
winner: Citi floor, because Amex has no popular quotes every day.
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Related: Best Credit Card Welcome Bonus of the Month
The benefits of Amex Daily and Citi Layer
AMEX Everyday offers relatively standard benefits such as car rental loss and damage insurance and access to the global auxiliary hotline, as well as access to AMEX’s membership rewards program. You can also choose to book your next flight or hotel accommodation with the points plan.
Admission is required to obtain selected benefits; terms and conditions apply.
this Citi floor Quite beneficial. You can’t find any statement credit or travel protection, such as found in their big siblings Citigroup Prime Minister or Citigroup Elite Card (See rates and fees)
You will get access to Citi Entertainment, which is useful to help you snap up concerts early, MasterCard® ID Theft Protection and $0 liability protection.
winner: Amex every day. It offers even more benefits, including some travel protection.
Related: Your Complete Guide to Travel Protection for U.S. Express Cards
Win points with the Citigroup through Amex Daily
These two cards provide comparable and easy to understand revenue rates.
AMEX Daily Provided:
- Earn 2 points per dollar purchased in US supermarkets (up to $6,000 per year for expenses; then 1 point per dollar) (according to TPG’s August 2025 valuation of 4% return)
- Earn 1 point per dollar for all other purchases (2%)
AMEX also offers 20% bonus points per day when you purchase a card 20 or more. If you swipe your card a lot every month, this may be a great way to increase some extra points.
this Citi floor Earn:
- Spend 5 points per dollar on hotels, car rentals and attractions booked in Citi Travel Portal (according to TPG August 2025 valuation of 9.5%)
- Spend 3 points (5.7%) per dollar on supermarkets and select shipping, EV charging and gas purchases (5.7%)
- Each dollar spent 3 points on qualified self-selected categories (you can change every quarter) (5.7%), which includes:
- Barber shops, cosmetics shops and hair salons
- Fitness Club
- Live entertainment
- Pet Supplies Store
- Select Stream Service
- Spend 2 points per dollar at restaurant (3.8%)
- Spend 1 point per dollar on all other purchases (1.9%)
Amex offers simplicity everyday, but you can do better with other, less-young fee cards, as the grocery category limits only $6,000 in spending per year, and there are no other rewards categories. If you make 20 deals, the 20% bonus point is good, but not everyone can benefit from it.
At the same time, Citigroup offers a variety of daily expense bonus categories with unlimited income. The Citi layer will cover more categories on your base, making it a better choice for most people.
winner: Citi floor. At the gas stations and supermarkets, plus self-selected categories, the Citi layer brings the cake here.
Related: Best Credit Cards for Daily Expenditure
Amex’s daily life and the redemption points of the Citi class
Rewards earned on AMEX every day through Amex Travel, gift cards or Amazon purchases can be redeemed for up to 1 cent and can pay for your fee for 0.6 cents.
However, when you redeem points to travel through AMEX’s airline and hotel partners, you usually get the most value.
Citi floor Points can be redeemed for traveling in Citi Travel Portal, respectively, and gift cards are usually 1 cent per piece, purchased on Amazon at 0.8 cents per point, or cash back at 0.5 cents per point.
Redeem gift cards or traveling through the Citi Travel Portal for 1 point is a better option, although transferring to a partner is also a superior option.
winner: Amex every day. Its redemption options offer greater value.
Related: The best way to redeem Citi Thanks Reward Points
Use AMEX daily to transfer points with Citigroup
Both cards allow you to transfer points to your partners. Each issuer has 20 airlines and hotel partners.
AMEX allows transfers to popular programs based on the United States, such as Delta Skymiles and JetBlue TrueBlue, but you usually get more value by leveraging international airline programs.
TPG’s valuation of PEG AMEX points is 2 cents, which is an extremely high speed, mainly because the value of its points once transferred to its sufficient travel partners.
You can transfer points on your Citi tier card to any of your travel partners at Citi. However, most partners transfer at a ratio of 1:0.7. Some of the popular partners include American Airlines Aadvantage and Qatar Airways Privileges Club.
If you have a CitiPrestige® card (no longer available) or Citigroup Prime Minister Together with your strata, you can move points to your prestige or strata account and transfer them to most partners at a 1:1 ratio. Through our valuation, the value of transfer Citi Points is up to 1.9 cents. Information on the Citi reputation card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
TPG chief writer Katie Genter loves to transfer her Citi thank you points and leverage transfer partners such as Air France-klm Flying Blue and Avianca Lifemiles to provide hotel flights and selection privileges.
Although both Amex points and Citi points are valuable, Amex has a slight advantage here. You don’t need another Amex card to transfer points in full proportion.
winner: Amex every day. You can transfer points to all partners at the same rate as more premium cards from AMEX.
Related: The best way to reward points with AMEX membership bonuses, from business-grade flights to European flights to budget-friendly hotel accommodation
Should I get Amex or Citi tiers every day?
If you are considering switching to the Citigroup, consider the categories you are doing in which categories you are doing. The formation offers firm value and fun category bonuses for supermarkets, gas stations and self-select categories every quarter and can be redeemed for your rewards, providing flexibility. Unless you plan to brush at least 20 times a day for each billing period, you may stand out from the hierarchy.
Bottom line
Both cards have their own advantages. However, new applicants no longer use AMEX, which makes the Citigroup more attractive. This may be a solid way to start with Citi thank you please click without paying the annual fee.
To learn more, read our full review of the Daily Amex and Citi Layer Cards.
Apply here: Citi floor
