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Blue Cash Everyday® Card from American Express vs Blue Cash Preferred® Card from American Express

Both cards are great for everyday spending, but one has an annual fee.

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Our pick: 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
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See rates & fees
The $0-annual-fee Blue Cash Everyday offers a top rate of 3% cash back at US supermarkets up to $6,000 per year in purchases, then 1%. Until December 10, 2020, the Blue Cash Preferred has a $95 annual fee starting the second year but offers higher rewards. Its top rate is 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%, as well as unlimited 6% cash back on some US streaming services.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Rates & Fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees

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★★★★★

4.6 / 5.0

★★★★★

4.3 / 5.0
Best for
Best for
  • Cash back on groceries and gas
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer

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

$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)

Rewards
Rewards

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

6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases

Purchase APR
Purchase APR

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

0% intro APR for 12 months, and then 13.99% to 23.99% variable

Annual fee
Annual fee $0 $0 intro annual fee the first year, then $95
Cash advance
Cash advance

APR: 25.24% 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 2.7% 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 $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

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.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn cash back. Earn 6% cash back at US supermarkets on up to $6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select US streaming services and 3% on transit purchases. At US gas stations you'll earn 3% back. For everything else you buy, you'll get 1% back.
  • Welcome offer. Get $300 in statement credit after spending $3,000 on purchases in the first three months of card membership. This offer expires December 10, 2020.
  • Intro APR period. Enjoy a 0% intro APR period on purchases for the first 12 months of account opening. After that, a variable APR of 13.99% to 23.99% applies.

Blue Cash Everyday® Card from American Express vs Blue Cash Preferred® Card from American Express: What’s the difference?

The Blue Cash Everyday® Card from American Express is similar to the Blue Cash Preferred® Card from American Express, with a few differences. It offers a slightly smaller welcome offer, less cash back than its counterpart and less accelerated cashback categories. On the plus side, it offers a better intro APR and has no annual fee.

The biggest difference between the two cards is the cash back you’ll receive.

The Blue Cash Everyday® Card from American Express offers:

  • 3% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
  • 2% cash back at US gas stations and select department stores.
  • 1% cash back on other eligible purchases.

The Blue Cash Preferred® Card from American Express offers:

  • 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
  • 6% on select streaming services.
  • 3% on transit purchases.
  • 3% cash back at US gas stations.
  • 1% cash back on other eligible purchases.

How do I choose the right one?

To start, determine if most of your spending goes toward gas and groceries. If it does, either card is a good choice.

Next, calculate which card will bring you the biggest benefits. The key factor here is the annual fee: After the intro period, the Blue Cash Preferred® Card from American Express has a $95 annual fee, while the Blue Cash Everyday® Card from American Express has no annual fee. Consider your spending and whether the cash back you’ll receive is higher than the annual fee. You’ll quickly figure out which card is better for you.

Calculating which Blue Cash card brings you the most cash back

Picking the right card comes down to analyzing your spending and doing some quick math.

Suppose you spend $6,000 a year on groceries from US supermarkets:

  • The Blue Cash Preferred® Card from American Express gives you 6% cash back, for a total of $360 cash back. It has a $95 annual fee, so you effectively get $265 cash back.
  • The Blue Cash Everyday® Card from American Express gives you 3% cash back, for a total of $180 cash back.

That’s a win for the Blue Cash Preferred® Card from American Express, and we haven’t factored in what you’ll spend on gas and other purchases.

Of course, you might not spend much on gas and groceries, in which case the Blue Cash Preferred® Card from American Express might not be worth it. Check your typical expenses and pick the card that works for you.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
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% intro for the first 15 months (then 13.99% to 23.99% variable)
$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
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Bottom line

Its tough to go wrong with either Amex offering here and the ultimate choice you make should come down to your spending habits. But if neither of these two cards fit the bill, compare American Express credit cards to find the right one for you.

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