Choosing between the Amazon Prime Visa (no annual fee) and the Blue Cash Preferred Card from American Express ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 5% via portal. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply NowStrongest in groceries at 6% (up to $6,000/yr). 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | Amazon Prime Visa | Blue Cash Preferred Card from American Express |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | $250 after $3,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 2.7% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>5%</strong> | 3% |
| Dining Rewards | <strong>2%</strong> | 1% |
| Groceries Rewards | 1% | <strong>6% (up to $6,000/yr)</strong> |
| Gas Rewards | 2% | <strong>3%</strong> |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. |
Amazon Prime Visa pulls ahead for travel, dining spending.
Blue Cash Preferred Card from American Express wins on groceries, gas.
The $95/year fee difference means Blue Cash Preferred Card from American Express needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.