Smart savers who are looking for cash back rewards on daily expenses may benefit from the American Express Blue Cash Everyday Card or American Express Blue Cash Preferred Card. MoneyGeek breaks down both cash back American Express cards so you can decide which card fits your unique situation.
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.
The American Express Blue Cash Everyday Card earns 3% cash back for purchases up to $6,000 in U.S. grocery stores 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.
An excellent no-annual-fee cash back card with 0% intro APR on purchases
The American Express Blue Cash Preferred Card 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.
A great cash back card for gas and grocery shopping
MoneyGeek compares Chase Ink Business Cash and Chase Ink Business Preferred so you can find the best cash back credit card for you.
Welcome Bonus
The American Express Blue Cash Everyday Card 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 American Express Blue Cash Preferred Card offers up to $400 in statement credit after you spend $3,000 in the first six months.
Winner: American Express Blue Cash Preferred Card
Rewards
With the American Express Blue Cash Everyday Card, 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 American Express Blue Cash Preferred Card 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: American Express Blue Cash Preferred Card
Annual Fee
American Express Blue Cash Everyday Card has no annual fee.
However, the American Express Blue Cash Preferred Card charges a $95 annual fee after the first year.
Winner: American Express Blue Cash Everyday Card
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.
Individuals looking to save on everyday expenses should consider the American Express Blue Cash Everyday Card since the card offers cash back at U.S. grocery stores and gas stations. You might also benefit from no annual fee and 0% introductory APR within the first 15 months.
The card offers 3% cash back up to $6,000 purchases at U.S. grocery stores 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.
Blue Cash Everyday Card has no annual fee and an introductory 0% APR for your first 15 months.
It’s possible to split purchases beyond $100 into monthly payments using the Plan It feature 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.
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.
Reward dollars can also be redeemed as a statement credit.
Cardholders also benefit from the waived annual fee and 0% introductory APR for the first year.
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.
MoneyGeek listed some of the most frequently asked questions about the American Express Blue Cash Everyday Card vs. the American Express Blue Cash Preferred Card.
Both the American Express Blue Cash Everyday Card and American Express Blue Cash Preferred Card 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.
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