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Bank of America® Cash Rewards Credit Card vs. Blue Cash Everyday® Card from American Express

Two excellent cashback credit cards with no annual fee.

Updated

Fact checked

The winner: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express logo

Up to 20%

Cash back

  • Two welcome offers worth up to $300 combined
  • Everyday cash back on groceries, gas and at select department stores
  • No annual fee
Apply now
See rates & fees
The Bank of America® Cash Rewards Credit Card offers accelerated cash back on a category you choose, plus at grocery stores and wholesale clubs, while the Blue Cash Everyday® Card from American Express offers accelerated cash back at US supermarkets, US gas stations and select US department stores. Both have a $0 annual fee and a long 0% intro APR period on purchases.

See more differences in the table below.

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

Rates & Fees

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.6 / 5.0
Best for
Best for
  • Best for flexibility of cashback categories
  • Cash back on groceries and gas
Welcome offer
Welcome offer

$200 after spending $1,000 in the first 90 days

20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe

Rewards
Rewards

3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else

20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 15 statement closing dates, and then 13.99% to 23.99% variable

0% intro APR for 15 months, and then 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 15 statement closing dates, then 13.99% to 23.99% variable

N/A

Cash advance
Cash advance

APR: 16.99% to 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction 2.7% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 25 days
Minimum interest
Minimum interest $1.50 $0
Minimum credit score
Minimum credit score 720 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Bank of America® Cash Rewards Credit Card

Bank of America® Cash Rewards Credit Card

  • $0 annual fee
  • Earn up to 3% cash back on purchases
  • Intro APR on purchases and balance transfers for the first 15 statement closing dates

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Intro APR period on purchases. You'll get a 0% intro APR period on purchases for the first 15 months from account opening. After that, your rate reverts to 13.99% to 23.99% variable.
  • Earn cash back. Earn 3% cash back on up to $6,000 per year, then 1% after that. You also get to earn 2% cash back at US gas stations and department stores, and 1% cash back on everything else you buy.
  • Welcome offer. Get $100 bonus after you spend $1,000 on purchases in the first 6 months following your account opening. You'll also earn 20% back at Amazon.com up to $200 back in the same timeframe.

Compare Bank of America® Cash Rewards Credit Card vs. Blue Cash Everyday® Card from American Express

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Bank of America® Cash Rewards Credit Card
$200 after spending $1,000 in the first 90 days
3% cash back on a chosen category and 2% at grocery stores and wholesale clubs for the first $2,500 each quarter combined, then 1% after that and on everything else
$0
Earn $ after spending $1,000 in the first 90 days form account opening.
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
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