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Amex Blue Cash Everyday Card vs. Chase Sapphire Preferred Card [Detailed Comparison]

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Both the Blue Cash Everyday® Card from American Express and the Chase Sapphire Preferred® Card are 2 top-notch credit card options for consumers.

While the Amex Blue Cash Everyday card is a traditional cash-back credit card, the Chase Sapphire Preferred card is a travel rewards-focused card whose rewards can also be redeemed for cash-back.

Given that, how should you decide which credit card is better suited for you? In this post, we are going to cover everything each card has to offer to help you make that decision.

Amex Blue Cash Everyday Card vs. Chase Sapphire Preferred Card — Summary

Before we dive deep into the benefits of each card, here is a quick overview of how they compare.

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Benefit or FeatureAmex Blue Cash Everyday CardChase Sapphire Preferred Card
Welcome BonusEarn a $200 statement credit after spending $2,000 in purchases in the first 6 months.Earn 60,000 points after spending $4,000 on purchases in the first 3 months.
Earning Potential
  • 3% cash-back at U.S. supermarkets (on up to $6,000 in spend each year)
  • 3% cash-back at U.S. gas stations (on up to $6,000 in spend each year)
  • 3% cash-back on U.S. online retail purchases (on up to $6,000 in spend each year)
  • 1% cash-back on all other purchases
  • 5x points on Chase Travel purchases
  • 5x points on Lyft rides (through March 31, 2025)
  • 5x points on select Peloton purchases over $250 (through March 31, 2025)
  • 3x points on dining, online grocery store, and select streaming service purchases
  • 2x points on general travel purchases
  • 1x point on all other purchases
Redemption Options
  •  Cash-back via statement credit
  • Chase transfer partners
  • Chase Travel portal bookings (25% bonus)
  • Cash-back via statement credit
  • Pay Yourself Back
  • Gift cards
  • Shopping with select retailers
Statement Credits
  • Up to $7 monthly credit towards The Disney Bundle subscription
  • Up to $15 monthly credit towards a Home Chef subscription
  • $50 annual hotel credit through Chase Travel
  • $15 quarterly through Instacart
Travel Protections
  • Secondary rental car insurance
  • No foreign transaction fees
  • Primary rental car insurance
  • Trip cancellation/interruption Insurance
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
Shopping Benefits and Protections
  • Amex Offers
  • American Express Experiences
  • Chase Offers
  • Purchase protection
  • Extended warranty coverage
Annual Fee$0 (rates & fees)$95
Authorized User Fee$0 (rates & fees)$0

Bottom Line: The rewards and benefits of the Amex Blue Cash Everyday card are geared towards cash-back on everyday purchases, while the Chase Sapphire Preferred card is more rewarding for those looking for an all-around travel rewards card.

The Value of a Welcome Offer

While welcome bonuses can vary, here here is a look at how each card stacks up.

Amex Blue Cash Everyday Card

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Since the Amex Blue Cash Everyday card only earns cash-back, it’s only natural that the welcome bonus would also come in the form of cash. Usually, you can earn a welcome bonus on the Amex Blue Cash Everyday card that ranges somewhere between $200 to $250.

Chase Sapphire Preferred Card

POPULAR FIRST CARD
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Ultimate Rewards portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card, on the other hand, earns Chase Ultimate Rewards points, which we value at 2 cents per point.

Earning Potential

One of the key parts of evaluating whether or not a rewards card is worth it for you is determining how many rewards you’ll actually earn on the purchases you spend the most on. Here is what both cards offer in their respective bonus categories:

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Bonus CategoryAmex Blue Cash Everyday CardChase Sapphire Preferred Card
Lyft1% cash-back5x points
Travel Portal Purchases1% cash-back5x points
U.S. Supermarkets3% cash-back (on up to $6,000 in spend each year)1x point
Online Grocery Store Purchases3% cash-back (on up to $6,000 in spend each year)3x points
Dining1% cash-back3x points
Select Streaming Services1% cash-back3x points
General Travel1% cash-back2x points 
U.S. Gas Stations3% cash-back (on up to $6,000 in spend each year)1x point
U.S. Online Retail Purchases3% cash-back (on up to $6,000 in spend each year)
1x point
All Other Purchases1% cash-back1x point

As you can see, as a travel-focused card, the Chase Sapphire Preferred is better for purchases made through the Chase Travel portal and general travel purchases; but is also very rewarding for dining, select streaming services, and online grocery store purchases.

You’ll also want to consider that, on each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $20,000 on purchases with your Chase Sapphire Preferred card in a year, you’ll get a further 2,000 bonus points on your account anniversary.

The Amex Blue Cash Everyday card, on the other hand, earns 3% cash-back on 3 separate bonus categories, including U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, with a cap of up to $6,000 in purchases each year per category.

U.S. online retail purchases really stands out for the Amex Blue Cash Everyday card because it is one of the only rewards cards to offer such a category, and includes any online purchase made from major retailers like Amazon or Walmart, computer and electronic stores, department stores, drugstores, furniture stores, and more.

When determining which card bonus category is better suited for you, you’ll want to analyze your monthly spending habits to see which card would earn you the most rewards on the spend you are already making.

Redemption Options

Amex Blue Cash Everyday Card

With the Amex Blue Cash Everyday card, all of your cash-back is earned in the form of Reward Dollars that can be redeemed as a statement credit to offset purchases made with your card or at Amazon.com checkout. There is no minimum threshold required to redeem, allowing you to redeem your cash-back as often as you’d like.

Chase Sapphire Preferred Card

Thompson Vienna
Redeem your Chase Ultimate Rewards points for World of Hyatt stays, including Thompson Vienna. Image Credit: Hyatt

Cardholders of the Chase Sapphire Preferred card have significantly more redemption options at their disposal.

For starters, our favorite redemption method is using one of the Chase travel transfer partners, such as Air Canada Aeroplan to book business class flights or World of Hyatt to book 5-star hotel stays for a fraction of what the standard cash price would be.

If you prefer more simplicity, you can redeem your Ultimate Rewards points through the Chase travel portal for virtually any travel purchase, and you’ll receive a 25% bonus in value to 1.25 cents per point when doing so. This doesn’t offer the value upside of transfer partners, but can be a lot more convenient as you can book flights, hotels, rental cars, and other items without needing to worry about award space.

Lastly, you can always redeem your points for cash-back if you so choose at a rate of 1 cent per point as a statement credit. Chase also gives you the option to redeem your points for gift cards, or through merchants like Amazon and Apple.

Hot Tip: To see just how much value you can get through Chase transfer partners, read through our guide to some of the best ways to redeem your Ultimate Rewards points for max value.

Statement Credits

Statement credits are a great way to get added value out of your card each year. Here is a look at what both the cards offer to card members.

Amex Blue Cash Everyday Card — Disney Bundle and Home Chef

Blue Cash Everyday Card The Disney Bundle
Save on your streaming subscriptions with the Amex Blue Cash Everyday card. Image Credit: American Express

It is pretty uncommon to see a no-annual-fee card offer a statement credit, but the Amex Blue Cash Everyday card offers 2!

The first is an up to $7 monthly credit towards The Disney Bundle after spending $9.99 or more each month on the subscription. The bundle includes Disney+, Hulu, and ESPN+, so if you are already paying for one or more of these services, this is a great way to save up to $84 each year by paying with your Amex Blue Cash Everyday card.

Meal delivery services have rapidly grown in popularity, which is why the Amex Blue Cash Everyday card also offers an up to $15 monthly statement credit towards Home Chef meal plans. If this is a service you were paying for already, then purchasing your Home Chef deliveries with the card can save you up to $180 each year.

Chase Sapphire Preferred Card — Annual Hotel Credit, Instacart

Each year when you use your Chase Sapphire Preferred card to purchase a hotel stay through the Chase Travel portal you’ll receive a $50 statement credit for doing so. There is no minimum purchase amount needed to receive the credit, and since it requires booking through the Chase portal it can be used on virtually any hotel you’d like.

Since you receive this $50 hotel credit each year on your account anniversary, it is a great way to help offset the $95 annual fee you pay for the Chase Sapphire Preferred card.

Lastly, cardholders are eligible for a free 6-month Instacart+ membership plus a $15 quarterly credit. This benefit must be activated by July 31, 2024.

Additional Card Benefits

Chase Sapphire Preferred Card — DoorDash

Cardholders of the Chase Sapphire Preferred card receive a few other solid benefits that can be beneficial, including a free year subscription to DoorDash DashPass which offers free delivery and reduced service fees on orders of $12 or more. Usually, a DashPass subscription costs $10 per month, giving you $120 in value each year from this benefit for those who occasionally order through DoorDash.

Hot Tip: Need a full list of all of the benefits and perks offered on the Chase Sapphire Preferred card? We’ve got you covered!

Travel Protections

Unsurprisingly, both cards are very different when it comes to travel protections. Here is what each card offers.

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BenefitAmex Blue Cash Everyday CardChase Sapphire Preferred Card
Foreign Transaction Fees2.7% (rates & fees)None
Rental Car InsuranceSecondaryPrimary
Trip Cancellation/Interruption InsuranceNot offeredUp to $10,000 per person and $20,000 per trip for your prepaid, non-refundable travel expenses
Baggage Delay InsuranceNot offeredReceive coverage of up to $100 a day, for up to 5 days, on bags that are delayed by more than 6 hours
Trip Delay ReimbursementNot offeredFor flights delayed by 12 hours or more, you can receive up to $500 in coverage for expenses like meals and lodging
Travel and Emergency Assistance ServicesNot offeredYes

As you can see, you really can’t compare the 2 when it comes to travel protections because the Chase Sapphire Preferred offers a robust collection of travel protections, including trip delay coverage, baggage delay coverage, and primary rental car coverage, while the Amex Blue Cash Everyday card offers virtually none. Further, the Amex Blue Cash Everyday card is not one you’d want to bring with you on your overseas travels as it tacks on a 2.7% foreign transaction fee on international purchases.

Shopping Benefits and Protections

A card’s shopping benefits and protections don’t get nearly as much buzz as other benefits, but they can still offer plenty of value to cardholders.

The Amex Blue Cash Everyday card offers these benefits:

  • Amex Offers — Discounts and opportunities to earn more points with 100 merchants each month
  • American Express Experiences — Exclusive access to ticket presales

The Chase Sapphire Preferred card offers these benefits:

  • Chase Offers — Discounts with select merchants
  • Purchase Protection — Covers new purchases against damage or theft for up to 120 days from purchase with up to $500 in coverage per claim and $50,000 per account
  • Extended Warranty Coverage — Extends a U.S. manufacturer’s warranty by an additional year on eligible warranties of 3 years or less

Annual Fees and Adding Authorized Users

Annual Fees

As mentioned throughout the post, the annual fee for the Chase Sapphire Preferred card is $95, while the Amex Blue Cash Everyday card does not charge an annual fee. While it can be easy to write off certain cards that charge an annual fee, make sure you run the numbers of the benefits and rewards of each card to see which would provide more value and savings to you each year.

Authorized Users

Fortunately, there is no added cost to add authorized users to both the Chase Sapphire Preferred card and Amex Blue Cash Everyday card. Any authorized users you add will receive all of the same benefits and ad rewards earnings as the primary card, with the exception of additional statement credits.

Final Thoughts

Whichever way you slice it, both the Amex Blue Cash Everyday card and Chase Sapphire Preferred card are fantastic card options. Deciding which card is better for you comes down to what you are looking for out of a rewards credit card.

Those looking for a strong cash-back credit card that features rewards for supermarket, gas station, and online purchases and helps save money on The Disney Bundle and Home Chef subscriptions should go for the Amex Blue Cash Everyday card.

On the other hand, if you’re looking for a top-notch travel rewards card with lots of bonus categories, access to transfer partners and flexible redemption options, excellent benefits, and solid travel protections, then the Chase Sapphire Preferred card might be the card for you.

For the car rental collision damage coverage benefit of the Blue Cash Everyday® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. For the purchase protection benefit of the Blue Cash Everyday® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees of the Blue Cash Everyday® from American Express, click here.

Frequently Asked Questions

Which is better, the Chase Sapphire Preferred card or the Amex Blue Cash Everyday card?

It depends on what you are looking for. The Chase Sapphire Preferred card is better for people who are looking for a travel rewards card with access to transfer partners, a 25% bonus on travel portal redemptions, travel protections, and more.

While the Amex Blue Cash Everyday card is better suited for those looking for a no-annual-fee cash-back card that rewards them for purchases at the supermarket, gas station, and online purchases.

What are the benefits of the Chase Sapphire Preferred card?

The top benefits of the Chase Sapphire Preferred card are that it earns between 2x to 5x points on 6 different bonus categories and offers a $50 annual hotel statement credit, benefits with DoorDash, access to Chase travel transfer partners, and solid travel protections.

What are the benefits of the Amex Blue Cash Everyday card?

The top benefits of the Amex Blue Cash Everyday card are that it offers 3% cash-back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (on up to $6,000 in spend per category), along with a $7 monthly credit towards The Disney Bundle and a $15 monthly credit towards Home Chef.

Does the Chase Sapphire Preferred card have an annual fee?

Yes, the Chase Sapphire Preferred card charges a $95 annual fee.

Does the Amex Blue Cash Everyday card have an annual fee?

No, the Amex Blue Cash Everyday card does not charge an annual fee.

Does the Chase Sapphire Preferred card have foreign transaction fees?

No, the Chase Sapphire Preferred card does not charge foreign transaction fees.

Does the Amex Blue Cash Everyday card have foreign transaction fees?

Yes, the Amex Blue Cash Everyday card charges a 2.7% foreign transaction fee, so you’ll want to choose another card for international purchases.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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