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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 $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 US groceries and gas
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer

Earn a $200 statement credit after spending $2,000 in the first 6 months

$300 statement credit after spending $3,000 in the first 6 months

Rewards
Rewards

3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on 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 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

Read review

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 (see Terms apply, see rates & fees).

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 US 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 the maximum rewards cap for each card’s highest earning caregory: Up to $6,000 a year on groceries from US supermarket.

  • 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 even before factoring in what you’ll spend on gas and other purchases. Just remember that the groceries earning rate reverts to 1% after you hit the spending cap.

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.

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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