Amex EveryDay vs. Citi Strata: Earn points for no annual fee

The Amex EveryDay and Citi Strata Premier (no-annual-fee version) are top choices for earning valuable rewards points without an annual fee. Amex EveryDay offers 2X Membership Rewards points at U.S. supermarkets and a 20% bonus when you make 20+ purchases monthly. It’s ideal for everyday spending and Amex travel partners. Citi Strata, on the other hand, earns ThankYou Points with strong multipliers on travel, dining, and gas, and often features welcome bonuses. Both cards provide flexible redemption options, but your pick depends on spending habits and preferred transfer partners. Either way, you earn big—with no annual fee.