Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Blue Cash Everyday® Card from American Express (no annual fee) and the Target™ Mastercard® (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 NowStrongest in dining at 2%. 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Blue Cash Everyday Card from American Express | Target Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $2,000 spend in 6 months | None |
| Foreign Transaction Fee | 2.7% | 3% |
| Base Reward Rate | 1.0% | 1.0% |
| Dining Rewards | 1% | 2% |
| Groceries Rewards | 3% (up to $6,000/yr) | 1% |
| Gas Rewards | 3% (up to $6,000/yr) | 2% |
| Key Benefits | 3% at U.S. supermarkets, gas stations, and online retail (each up to $6,000/yr). | 5% off every Target purchase instantly at checkout, plus 2% on dining and gas and 1% elsewhere. |
Blue Cash Everyday Card from American Express pulls ahead for groceries, gas spending.
Target Mastercard wins on dining.
Blue Cash Everyday Card from American Express carries $264/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.