Choosing between the Blue Cash Everyday Card from American Express (no annual fee) and the Fold (no annual fee) 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 NowUp to 3.5% bitcoin back on all purchases. Earns a solid 3.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | None |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1.0% | <strong>3.5%</strong> |
| Groceries Rewards | 3% (up to $6,000/yr) | <strong>3.5%</strong> |
| Gas Rewards | 3% (up to $6,000/yr) | <strong>3.5%</strong> |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | Up to 3.5% bitcoin back on all purchases. |
Fold wins on travel, dining, groceries, gas.
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.