Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express: Which Is Best for You?

Smart savers who are looking for cash back rewards on daily expenses may benefit from the Blue Cash Everyday® Card from American Express or Blue Cash Preferred® Card from American Express. MoneyGeek breaks down both cash back American Express cards so you can decide which card fits your unique situation.

Advertising & Editorial DisclosureLast Updated: 11/15/2022
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Last Updated: 11/15/2022

Both cards provide welcome offers, intro APR and competitive cash back rates. But the Blue Cash Everyday Card has no annual fee while the Blue Cash Preferred Card only waives the annual fee for the first year.

Comparison Overview: Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express

  • Blue Cash Everyday® Card from American Express
    Blue Cash Preferred® Card from American Express
  • Has Annual Fee
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  • Has Balance Transfer Offer
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  • Has APR Offer
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  • Cash Back Rewards
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  • Travel Rewards

Blue Cash Everyday® Card from American Express At a Glance

The Blue Cash Everyday® Card from American Express earns 3% cash back for purchases up to $6,000 in U.S. supermarkets each year, 2% cash back in select department stores and gas stations and 1% on all other eligible purchases. And for purchases made in the first 15 months, you will have a 0% introductory APR.


  • Blue Cash Everyday® Card from American Express

    A simple cash back card that’s best for everyday purchases.


    • Good-ExcellentRecommended Credit
    • $0Annual Fee
    • 1–3% Cash Back*Rewards Rate
    • 1xRewards Rate on Gas
    • 1xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Blue Cash Preferred® Card from American Express At a Glance

The Blue Cash Preferred® Card from American Express provides a generous 6% cash back for shopping at supermarkets up to $6,000 per year and select streaming subscriptions. Cardholders also earn 3% cash back at U.S. gas stations and transit expenses. For all other purchases, you will earn 1% cash back. Additionally, you will have a 0% introductory APR for the first 12 months.


  • Blue Cash Preferred® Card from American Express

    A great cash back card for gas and grocery shopping


    • Good-ExcellentRecommended Credit
    • $95Annual Fee
    • 3% Cash BackRewards Rate
    • 6xRewards Rate on Entertainment
    • 6xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated rewards cards from our partners.

Comparison Summary

MoneyGeek compares Ink Business Cash® Credit Card and Ink Business Preferred® Credit Card so you can find the best cash back credit card for you.

  • Card Detail
    Comparison Summary
  • Welcome Bonus

    The Blue Cash Everyday® Card from American Express allows you to earn $250 back via statement credit after you spend $2,000 on purchases in the first six months of card membership.

    On the other hand, the Blue Cash Preferred® Card from American Express offers up to $400 in statement credit after you spend $3,000 in the first six months.

    Winner: Blue Cash Preferred® Card from American Express

  • Rewards

    With the Blue Cash Everyday® Card from American Express, you can earn 3% cash back at U.S. grocery stores up to $6,000 in purchases, 2% cash back at gas stations and select department stores in the U.S. and 1% cash back for all other purchases.

    Meanwhile, the Blue Cash Preferred® Card from American Express offers 6% cash back at supermarkets with a limit of $6,000 per year and on specific streaming subscriptions. Cardholders can also earn 3% cash back at U.S. gas stations and on transit like rideshares.

    Winner: Blue Cash Preferred® Card from American Express

  • Annual Fee

    Blue Cash Everyday® Card from American Express has no annual fee.

    However, the Blue Cash Preferred® Card from American Express charges a $95 annual fee after the first year.

    Winner: Blue Cash Everyday® Card from American Express

Which Card Should You Get?

The best cash back credit card for you will vary based on what you need when deciding between the Blue Cash Everyday Card vs. the Blue Cash Preferred Card.

Who Should Consider the Blue Cash Everyday® Card from American Express?

Individuals looking to save on everyday expenses should consider the Blue Cash Everyday® Card from American Express since the card offers cash back at U.S. supermarkets and gas stations. You might also benefit from no annual fee and 0% introductory APR within the first 15 months.

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    The card offers 3% cash back up to $6,000 purchases at U.S. supermarkets and 1% cash back for purchases beyond the limit. You can also get 2% cash back at U.S. gas stations and select department stores in the U.S.

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    Blue Cash Everyday Card has no annual fee and an introductory 0% APR for your first 15 months.

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    It’s possible to split purchases beyond $100 into monthly payments using the Plan It feature from American Express.

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Who Should Consider the Blue Cash Preferred® Card from American Express?

The generous cash back of the Blue Cash Preferred Card may greatly benefit those who frequently cook at home and enjoy streaming their favorite TV shows. This card is also ideal for individuals who commute often, whether by public transportation or car.

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    The card offers 6% cash back for purchases up to $6,000 per year at U.S. supermarkets, 6% cash back for select streaming services and 3% cash back on U.S. gas stations and on transit.

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    Reward dollars can also be redeemed as a statement credit.

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    Cardholders also benefit from the waived annual fee and 0% introductory APR for the first year.

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EXPERT OPINION

Both of these cards are very similar, so it really comes down to the math. If you spend enough to justify the $95 annual fee of the Blue Cash Preferred, then go that route. The card also comes with an extremely valuable benefit many overlook — return protection. If you’re dissatisfied with a purchase and the merchant will not accept a return, the return protection policy will cover that purchase up to $300 per item.

Other Helpful Decision-Making FAQs

MoneyGeek listed some of the most frequently asked questions about the Blue Cash Everyday® Card from American Express vs. the Blue Cash Preferred® Card from American Express.

Still Not Sure About These Cards? Consider These Options

Both the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express have great rewards for everyday expenses. But if you’re still on the fence about which card fits you best, consider other cash back credit cards.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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