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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 ExpressBlue Cash Preferred® Card from American Express
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- 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 Back*Rewards Rate
- 19.24% – 29.99% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
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 great cash back card for gas and grocery shopping
- 3% Cash BackRewards Rate
- 19.24% – 29.99% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
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%.
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
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
sources
- American Express. "How to apply for a credit card." Accessed January 7, 2022.
- American Express. "Welcome to Membership Rewards!." Accessed January 7, 2022.
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