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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

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
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 credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
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 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
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 13.99% to 23.99% variable)
$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
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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Compare American Express credit cards

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