Is the Blue Cash Everyday® Card from American Express better than the Blue Cash Preferred® Card from American Express?

The best card for you depends on your needs and situation. For example, the Blue Cash Preferred Card offers higher cash back rates but has an annual fee of $95 after the first year while the Blue Cash Everyday Card has lower cash back rates and no annual fee.

Can you get the Blue Cash Everyday® Card from American Express if you have the Blue Cash Preferred® Card from American Express?

Yes, it’s possible to have both American Express credit cards. However, be aware of the 2/90 rule from American Express, which means you can only be approved for two cards within a 90 day span.

Can you transfer points from Blue Cash Everyday® Card from American Express to Blue Cash Preferred® Card from American Express?

Yes, but you’re only allowed to transfer points if both cards are linked to your American Express Rewards Account. However, neither of these cards earn points.

Can you switch from the Blue Cash Everyday® Card from American Express to the Blue Cash Preferred® Card from American Express?

Yes, it’s possible to switch from an Blue Cash Everyday® Card from American Express to Blue Cash Preferred® Card from American Express by calling or writing the issuer.

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

Q: What’s harder to get, the Blue Cash Everyday® Card from American Express or Blue Cash Preferred® Card from American Express?

It’s generally easy to get approval for both American Express credit cards if you’re eligible. You can apply online and once approved, the issuer will ask for supporting documents and you can get your credit card within three to five business days.

Q: How much do you have to spend for the Blue Cash Everyday® Card from American Express vs Blue Cash Preferred® Card from American Express to get the welcome bonus?

With the Blue Cash Everyday Card, you need to spend $2,000 within the first six months of opening your account to get $250 back in statement credit. In the first six months, you can get up to $400 in statement credit with the Blue Cash Preferred Card and you can get another $200 back if you spend $3,000.

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

Reviewed By

Brett Holzhauer

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.

OUR COMPARISON AT A GLANCE

Comparison Overview
Blue Cash Everyday® Card from American Express at a Glance
Blue Cash Preferred® Card from American Express at a Glance
Comparison Summary
Which Card Should You Get?

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
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good-Excellent
Good-Excellent

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
Pros
Competitive cash back rates on supermarkets, gas and online retail purchases in the U.S.
No annual fees
Decent welcome bonus
Low intro APR with a long introductory period
Split purchases of more than $100 into monthly payments through the Plan It feature

Cons
Minimum redemption amount is required
Spending cap on cash back earned through bonus categories
Not ideal for travel due to foreign transaction fees
3% cash back on groceries at U.S. supermarkets on up to $6,000 in purchases per year, then 1% cash back
3% cash back on U.S. online retail purchases on up to $6,000 in purchases per year, then 1% cash backk
3% cash back on gas at U.S. gas stations on up to $6,000 in purchases per year, then 1% cash back
1% cash back on all other purchases
0% intro APR for the first 15 months from account opening
Earn up to $250 back by spending $2,000 on purchases in your first six months to receive $100 as a statement credit and up to $150 back by using your card to make purchases through PayPal in those same six months to receive 20% back as statement credits.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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
Pros
0% intro APR for the first year
Generous welcome offer
Cash back up to 6% on select categories
Use earned cash back as a statement credit

Cons
High annual fee
Foreign transaction fee
Cash advance fee
Penalty APR may apply in cases of late and returned payments
Cannot use cash back to pay minimum due
6% cash back on groceries applies to $6,000 worth of spending in a calendar year — then it becomes 1%
Advanced cash back rates apply only on purchases made in the U.S.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in spending — followed by 1%.
Earn 6% cash back on select streaming subscriptions.
Earn 3% cash back at U.S. gas stations and on transit (trains, buses, taxis/rideshare, parking, tolls, etc.).
Earn 1% cash back on all other purchases.
Redeem reward dollars as statement credit.
Benefit through intro APR, annual fee and bonus cash back offers.
Use the Pay It method for purchases under $100 and make payments through the month.
Use the Plan It method for purchases over $100. Split them up into monthly payments with fixed monthly fees and no interest.
Get added peace of mind through car rental loss and damage insurance, return protection and fraud protection.
Use the American Express Experiences platform and access presale tickets and member-only events.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
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.

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.
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.
≫ More: Read Our Full Review

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.

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.
≫ More: Read Our Full Review

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.

View All Credit Cards

Learn more about credit cards in general

sources

American Express. "How to apply for a credit card." Accessed January 7, 2022.
American Express. "Welcome to Membership Rewards!." Accessed January 7, 2022.

*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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