Blue Cash Everyday® Card from American Express
vs. Blue Cash Preferred® Card From American Express

Banner imageFirst credit card imageSecond credit card image
ByDoug Milnes, CFA
Reviewed byBrett Holzhauer
fact checked icon
ByDoug Milnes, CFA
fact checked icon
Reviewed byBrett Holzhauer
fact checked icon

Updated: March 19, 2024

Advertising & Editorial Disclosure

Shield Insurance

MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.

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
    checkSign icon
  • Has Balance Transfer Offer
  • Has APR Offer
    checkSign icon
  • Cash Back Rewards
    checkSign icon
    checkSign icon
  • 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, then a variable APR of 17.74% to 28.74%.


  • Blue Cash Everyday® Card from American Express

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


    • 1%–3% Cash BackRewards Rate
    • 19.24%–29.99% VariableAPR
    • $0Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • A cash back of 3% at supermarkets, online retailers, and gas stations in the U.S
    • 15-month 0% introductory APR on purchases and balance transfers, then a 19.24%–29.99% variable APR after that
    • No annual fee
    • A $200 welcome offer

    Cons

    • Bonus categories have spending limits
    • Low regular cash back rate
    • Longer 0% APR periods are available
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee. See rates and fees
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR. See rates and fees
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 3% Cash Back on U.S. online retail purchases of up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations on up to $6,000 per year in purchases, then 1%.
    • 1% cash back on general purchases
    • Earn $7 statement credit each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu and ESPN+. Enrollment required.
    • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
    • Terms Apply.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Blue Cash Everyday® Card from American Express

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, then a variable APR of 17.74% to 28.74%.


  • Blue Cash Preferred® Card From American Express

    A valuable cash back card for gas and grocery shopping


    • 1%–6%Rewards Rate
    • 19.24%–29.99% VariableAPR
    • $0 for the first year, then $95Annual Fee
    • Good–ExcellentRecommended Credit

    Pros

    • Earn 6% cash back at U.S. supermarkets (up to $6,000 per year), then 1%
    • Earn 6% cash back on select U.S. streaming subscriptions
    • Earn unlimited 3% cash back on U.S. gas stations and transit
    • Enjoy $250 statement credit after spending $3,000 in the first six months
    • Utilize 12-month, 0% intro APR on purchases and balance transfers, then 19.24%–29.99% variable

    Cons

    • Charges a $95 annual fee after the first year
    • Spending caps and exclusions on supermarket purchases
    • Earn a $250 statement credit after spending $3,000 on your new card in the first six months.
    • Enjoy a $0 annual fee for the first year; then it's $95 (See rates and fees).
    • Use Plan It® for $0 intro plan fees on large purchases split into monthly installments for the first 12 months of account opening.
    • Benefit from a low intro APR of 0% on purchases and balance transfers for the first 12 months, then a variable APR of 19.24%–29.99% (See rates and fees).
    • Earn 6% cash back at U.S. supermarkets for up to $6,000 in annual purchases, then 1% after reaching the limit.
    • Earn 6% cash back on select U.S. streaming services.
    • Earn 3% cash back at U.S. gas stations.
    • Earn 3% cash back on travel-related expenses, including taxis, parking, trains and more.
    • All other purchases earn 1% cash back.
    • Earn cash back in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • Redeem up to $120 in annual statement credits when you pay for an Equinox+ subscription with your Blue Cash Preferred® Card, amounting to $10 monthly credits.
    • Get the Disney Bundle for a $7 per month statement credit when you spend at least $9.99 on eligible subscriptions with your Blue Cash Preferred® Card.
    • Terms apply.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Blue Cash Preferred® Card From American Express

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 $300 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, then a variable APR of 17.74% to 28.74%.

    cashBack icon

    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.

    noAnnualFee icon

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

    creditCard2 icon

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

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.

    cashBack icon

    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.

    rewards icon

    Reward dollars can also be redeemed as a statement credit.

    lowInterestAPR icon

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

mglogo icon
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.

Is the Blue Cash Everyday® Card from American Express better than the Blue Cash Preferred® Card from American Express?
Can you get the Blue Cash Everyday® Card from American Express if you have the Blue Cash Preferred® Card from American Express?
Can you transfer points from Blue Cash Everyday® Card from American Express to Blue Cash Preferred® Card from American Express?
Can you switch from the Blue Cash Everyday® Card from American Express to the Blue Cash Preferred® Card from American Express?
What’s harder to get, the Blue Cash Everyday® Card from American Express or Blue Cash Preferred® Card from American Express?
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?

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.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


sources
*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. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.