Choosing between the Blue Cash Everyday Card from American Express (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 groceries at 3% (up to $6,000/yr). 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr).
Perfect if: You want solid rewards without paying an annual fee.
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 | Blue Cash Everyday Card from American Express | Blue Cash Preferred Card from American Express |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | $250 after $3,000 spend in 6 months |
| Foreign Transaction Fee | 2.7% | 2.7% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | 1% | <strong>3%</strong> |
| Groceries Rewards | 3% (up to $6,000/yr) | <strong>6% (up to $6,000/yr)</strong> |
| Gas Rewards | 3% (up to $6,000/yr) | 3% |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. |
Blue Cash Preferred Card from American Express wins on travel, groceries.
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.