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 dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Blue Cash Preferred Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | $300 after $3,000 spend in 6 months | 100,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 3% | 2% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 6% (up to $6,000/yr) | 3% |
| Gas Rewards | 3% | 1% |
| Rates with conditions not counted in the rows above |
None |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 2%. |
| 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 travel, groceries, gas spending.
Chase Sapphire Preferred Card wins on dining.
Blue Cash Preferred Card from American Express carries $120/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Preferred Card carries $100/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.
Enter your typical monthly spending and we’ll show you exactly which card earns more, including fees and bonuses.