Choosing between the Blue Cash Preferred Card from American Express ($95/yr) and the Chase Sapphire Preferred Card ($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 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 NowStrongest in travel at 5% via portal. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You're comfortable booking through the issuer's portal for the best rate.
Apply Now| Feature | Blue Cash Preferred Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | $250 after $3,000 spend in 6 months | 75,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | 3% | <strong>5%</strong> |
| Dining Rewards | 1% | <strong>3%</strong> |
| Groceries Rewards | <strong>6% (up to $6,000/yr)</strong> | 3% |
| Gas Rewards | <strong>3%</strong> | 1% |
| Key Benefits | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
Blue Cash Preferred Card from American Express pulls ahead for groceries, gas spending.
Chase Sapphire Preferred Card wins on travel, dining.
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.