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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?

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Megan Horner
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Both the Blue Cash Preferred® Card from American Express and Amex EveryDay® Preferred Credit Card have annual fees, but they differ in their rewards. The former is a cashback card offering up to a 6% rewards rate as statement credit. 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

Terms apply, see rates & fees

Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card

Terms apply, see rates & fees
Finder rating
Finder 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

$300 statement credit after spending $3,000 in the first 6 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 other purchases (redeem as statement credit)

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 $0 intro annual fee the first year, then $95 $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
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