Amex Gold Card (9.4/10) wins for most people. Citi Double Cash wins for a specific profile.
Heavy food spenders — $400+/month dining + groceries. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Apply now →No-fee flat-rate cashback. The math floor. 2% everywhere, no fee, no categories to track.
Apply now →| Amex Gold Card | Citi Double Cash | |
|---|---|---|
| Claire's score | 9.4/10 | 8.1/10 |
| Price | — | — |
| Top strength | 4x at restaurants worldwide | 2% on everything (no categories) |
| Biggest drawback | $325 annual fee (requires using credits) | No bonus categories |
Amex Gold Card is Claire's recommendation for most people reading this comparison. Score: 9.4/10. Highest annual value card for food spend. Fee is offset by $340+ in credits.
Citi Double Cash (8.1/10) is the right choice for a specific situation: no-fee flat-rate cashback. If that describes you, the full review has the complete math.
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