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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.

The winner: Blue Cash Everyday® Card from American Express

Up to 3%

Cash back

  • Everyday cashback: 3% at US supermarkets on up to $6,000 per year, then 1%
  • 2% at US gas stations and select US department stores
  • No annual fee
Apply now
Terms apply, see rates & fees
The $0-annual-fee Blue Cash Everyday offers a top rate of 3% cash back as statement credit at US supermarkets up to $6,000 per year in purchases, then 1%.The Blue Cash Preferred has a $95 annual fee starting the second year, but offers higher rewards. Its top rate is 6% cash back as statement credit 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

Terms apply, see rates & fees

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Terms apply, see rates & fees

Finder rating
Finder rating

★★★★★

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% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months

20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months

Rewards
Rewards

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 (redeem as statement credit)

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 (redeem as statement credit)

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

Read review

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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: The Blue Cash Preferred® Card from American Express has a $95 annual fee from the second year, 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 after the first year, 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 Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within 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 (redeem as statement credit)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
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 (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
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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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