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Blue Cash Preferred® Card from American Express vs Amex EveryDay® Preferred Credit Card

Would you rather have cash back or Membership Rewards points?

Updated

Fact checked

Our pick: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express logo

Up to 6%

Cash back

  • Industry-leading cash back on everyday purchases
  • Large welcome offer for a cashback card
  • Intro APR on purchases
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See rates & fees
Both the Blue Cash Preferred® Card from American Express and Amex EveryDay® Preferred Credit Card have $95 annual fees, but they differ in their rewards. The former is a cashback card offering up to a 6% rewards rate. The latter is a card that pays Membership Rewards points, with a top rewards rate of 3% that can increase to 9% or higher if you transfer points to airline partners.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Rates & Fees

Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.3 / 5.0

★★★★★

4.1 / 5.0
Best for
Best for
  • Industry-leading cash back at US supermarkets
N/A
Welcome offer
Welcome offer

$250 after spending $1,000 in the first 3 months

15,000 points after spending $1,000 in the first 3 months

Rewards
Rewards

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

3x points at US supermarkets on up to $6,000 annually (then 1x), 2x points at US gas stations and 1x points on all other purchases

Purchase APR
Purchase APR

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

0% intro APR for 12 months, and then 12.99% to 22.99% variable

Annual fee
Annual fee $95 $95
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.24% 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 $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
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Summary of card features

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 $250 in statement credit after spending $1,000 on purchases in the first three months of card membership.
  • 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.

Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

  • Earn cash back. Earn 3x points at US supermarkets on up to 6,000 in purchases each year, reverting to 1x points thereafter. You'll also earn 2x points at US gas stations, 2x points when you book through American Express Travel and 1x points on other eligible purchases. Amex will boost your points by 50% in a given billing cycle after using your card for purchases 30 times in that period.
  • Welcome offer. Earn 15,000 points after spending $1,000 in the first 3 months.
  • Intro APR on purchases. Enjoy a 0% intro APR on purchases for the first 12 months after opening your account. The rate reverts to an APR from 12.99% to 22.99% variable after that.

Compare Blue Cash Preferred® Card from American Express vs. Amex EveryDay® Preferred Credit Card

Data indicated here is updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 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
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Amex EveryDay® Preferred Credit Card
15,000 points after spending $1,000 in the first 3 months
3x points at US supermarkets on up to $6,000 annually (then 1x), 2x points at US gas stations and 1x points on all other purchases
$95
Earn 15,000 Membership Rewards points after you spend $1,000 on purchases in the first 3 months of opening your account. All information about this card has been collected independently by Finder.
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