Is it points you’re after or cash back? Compare and see which of these two cards is best for you.
Our pick: Blue Cash Everyday® Card from American Express
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- No annual fee.
- Terms Apply.
- See Rates & Fees
Both of these American Express branded cards come with no annual fee and reward you for filling up your grocery cart. The big difference between the two is that the Blue Cash Everyday® Card from American Express lets you earn in the form of cash back, while the Amex EveryDay® Credit Card dishes out its rewards as Membership Rewards points.
Besides reward structure, see the other ways these two attractive cards for everyday spending branch out from each other.
|
Amex EveryDay® Credit Card
|
Blue Cash Everyday® Card from American Express
|
|---|---|
|
★★★★★ 4.4 / 5.0 |
★★★★★ 4.5 / 5.0 |
| Earn 10,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months. | $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months. |
|
Earn 2x points at US supermarkets on up to $6,000 per year (then 1x). 1x points for all other purchases. |
Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases. |
|
0% intro APR for 15 months, and then 14.99% to 25.99% variable |
0% intro APR for 15 months, and then 14.99% to 25.99% variable |
| $0 | $0 |
|
APR: 0% intro APR for 15 months, then 14.99% to 25.99% variable Fee: $0 |
APR: 0% intro APR for 15 months, then 14.99% to 25.99% variable Fee: $5 or 3% of the transaction, whichever is greater |
|
APR: 27.24% variable Fee: $5 or 3% of the transaction, whichever is greater |
APR: 27.24% variable Fee: $3 or 5% of the transaction, whichever is greater |
| $38 | $38 |
| $0 | $0 |
| 25 days | 25 days |
| $0 | $0 |
| 670 | 680 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
Amex EveryDay® Credit Card
- American Express travel protection
- 2x points at US supermarkets
- Membership Rewards points can be transferred to eligible travel programs
Frequent credit card swipers will like maximizing rewards with the Amex EveryDay® Credit Card because it offers 20% more points when you make 20 or more purchases each billing period. While this is a simple rewards card, it gives travelers the upper hand because cardholders earn 2x Membership Rewards points when they make eligible travel purchases on the Amex Travel site.
Blue Cash Everyday® Card from American Express
- No annual fee
- Purchases and balance transfers have an intro APR for 15 months
- Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases
- Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months
The Blue Cash Everyday® Card from American Express gives you the potential to earn cash back across multiple categories. On top of that, there's a valuable welcome bonus of $150 when you spend $1,000 in the first 3 months of card membership. And if you need to do a balance transfer or you typically carry a balance from month to month, you'll benefit from a 0% intro APR for the first 15 months following your account opening. After that, a variable APR between 14.74% and 25.74% applies.
What’s next?
The ball is in your court. If you’re fully satisfied with either American Express credit card, you can confirm that you meet the eligibility requirements and apply online.
Most people need different features out of credit cards, so don’t sweat it if neither card was a fit. Do your due diligence and keep comparing credit cards until you come across the one that you’re sure will be a great addition to your wallet.
