Blue Cash Everyday vs Blue Cash Preferred | finder.com

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

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Two valuable cards for everyday spending.

Whether you choose the Blue Cash Everyday® Card from American Express or the Blue Cash Preferred® Card from American Express, you’ll earn accelerated cash back on groceries and gas. The main difference between the two is that the Blue Cash Preferred card comes with an annual fee and more robust cash back options.

Check out the comparison table below to find out the right choice for your wallet.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

finder.com's rating
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★★★★★

4.5 / 5.0

★★★★★

4.0 / 5.0
Best for
Best for
  • Cash back on groceries and gas
  • Industry-leading cash back at US supermarkets
Welcome offer
Welcome offer $150 after spending $1,000 in the first 3 months $250 after spending $1,000 in the first 3 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

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 (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 15 months, and then 15.24% to 26.24% variable

0% intro APR for 12 months, and then 15.24% to 26.24% variable

Annual fee
Annual fee $0 $95
Balance transfers
Balance transfers

APR: 0% intro APR for 15 months, then 15.24% to 26.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 0% intro APR for 12 months, then 15.24% to 26.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 27.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

APR: 27.49% variable

Fee: $5 or 3% 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 $38 Up to $38
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 680 680
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

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Which card should you choose?

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • No annual fee
  • Purchases and balance transfers have an intro APR for 15 months
  • Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 1% on all other purchases
  • Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • $95 annual fee
  • Purchases and balance transfers have an intro APR for 12 months
  • 6% cash back at US supermarkets (on up to $6,000 annually, then 1%), 6% on select streaming services, 3% on public transit, 3% at US gas stations and 1% on all other purchases
  • Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months

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 (see Rates & Fees), 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 Balance Transfer APR Balance Transfer Fee Recommended Minimum Credit Score Amount Saved Filter values
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
$10 or 4% of the transaction, whichever is greater
670
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$10 or 4% of the transaction, whichever is greater
670
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 12 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual Fee
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 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
0% intro for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
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 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Compare American Express credit cards

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