Blue Cash Preferred Card from American Express vs Bank of America Unlimited Cash Rewards
Compare the Blue Cash Preferred Card from American Express ($95/yr) against the Bank of America Unlimited Cash Rewards ($0/yr) to see which card earns you more rewards based on your spending.
See how the Blue Cash Preferred Card from American Express and Bank of America Unlimited Cash Rewards stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Blue Cash Preferred Card from American Express | Bank of America Unlimited Cash Rewards |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | $250 after $3,000 spend in 6 months | $200 after $1,000 spend in 90 days |
| Foreign Transaction Fee | 2.7% | 3% |
| Base Reward Rate | 1.0% | 1.5% |
| Travel Rewards | 3% | 1.5% |
| Grocery Rewards | 6% (up to $6,000/yr) | 1.5% |
| Gas Rewards | 3% | 1.5% |
| Key Benefits | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. |
| Issuer | American Express | Bank of America |
Quick Summary
The Blue Cash Preferred Card from American Express has a $95 annual fee ($95/year more than Bank of America Unlimited Cash Rewards).
Bank of America Unlimited Cash Rewards has a higher base reward rate (1.5% vs 1.0%).
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