finder.com
US
AU
NZ
UK
CA
SG
More
US
AU
NZ
UK
CA
SG
More

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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

Two excellent cashback credit cards with no annual fee.

Megan Horner
Megan Horner

Updated

Fact checked

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 intro APR period on balance transfers and 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

★★★★★

4.2 / 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

$150 after spending $1,000 in the first 3 months
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

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

Which card should you choose?

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 $150 bonus after you spend $1,000 on purchases in the first 3 months following your account opening.

Compare cashback credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Unlimited®
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Apply now
View details
Citi® Double Cash Card
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Apply now
View details
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
N/A
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Apply now
View details
Petal® Visa® Credit Card
Petal® Visa® Credit Card
N/A
Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments
$0
Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score.
Apply now
View details
TD Cash Credit Card
TD Cash Credit Card
$150 after spending $500 in the first 90 days
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Apply now
View details
loading

Compare up to 4 providers

Compare American Express credit cards

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site