Edited by: Keri Stooksbury
& Kellie Jez
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It’s a wise decision to have an everyday spending card in your wallet that earns rewards on every purchase you make on a daily basis. Having such a card that doesn’t charge an annual fee is a real plus.
The Blue Cash Everyday® Card from American Express and the Chase Freedom Flex℠ are 2 cards that can fit well into your daily spending routine. The best everyday card, however, can be different for each individual depending on their spending mix and redemption priorities.
Today we’re going to look closely at these popular cash-back rewards cards for the purpose of determining which card has the better combination of earning potential, redemption options, and benefits.
There are several variables at play with these 2 cards, so stay with us as we break down the highlights and see which card stands out as the better choice for your situation.
Before we get into the details of each card, let’s look at a high-level overview of what each card has to offer.
|Feature or Benefit||Amex Blue Cash Everyday Card||Freedom Flex Card|
|Welcome Offer||Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.||Earn a $200 bonus after you spend $500 on purchases in your first 3 months.|
|Top Redemption Options||Statement credits, shopping, merchandise||Cash-back, statement credits, travel, transfer to Chase premium cards, gift cards, shopping|
|Top Travel Benefits and Protections||
|Top Shopping Benefits and Protections||
|Annual Fee/Authorized Users||$0 (rates & fees)||$0|
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!
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.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
The value of the welcome offer can vary depending on how the rewards are redeemed, but redeeming Amex Reward Dollars for statement credits results in receiving 1 dollar in credit per Reward Dollar. In contrast, we value Chase Ultimate Rewards points at approximately 2 cents each due to the additional flexible redemption options we’ll talk about shortly.
Welcome offers change frequently, so be sure to check the above tables for current offers before applying.
Cash-back is one of the most liquid forms of rewards you can earn on a credit card and both of our featured cards offer this method of earning rewards. The Amex Blue Cash Everyday card earns rewards first in the form of Reward Dollars and the Freedom Flex card earns points that can be redeemed for cash-back.
Rewards are earned on every purchase you make with either card. However, some categories of spending receive bonus earnings. Bonus category earnings can help you accumulate rewards quickly.
Here’s how you’ll earn rewards in specific categories on both of the cards:
|Spending Category||Amex Blue Cash Everyday Card||Freedom Flex Card|
|U.S. Supermarkets||3% cash-back, up to $6,000 in purchases each year||1% cash-back|
|Dining and Drugstores||1% cash-back||3% cash-back|
|U.S. Gas Stations||3% cash-back, up to $6,000 in purchases each year||1% cash-back|
|U.S. Online Retail Purchases||3% cash-back, up to $6,000 in purchases each year||1% cash-back|
|All Other Purchases||1% cash-back|
You can see that the level of earnings differs depending on the bonus category. Because of this variable, the better card for you will be the one that rewards your highest expenses that fall within these bonus categories.
If you were to maximize the Freedom Flex card’s quarterly bonus categories and spend $2,000 on dining and at drugstores, for example, you would earn $360 in cash-back ($300 + $60). If you maximized just 2 of the 3% categories on the Amex Blue Cash Everyday card, you would earn the same $360 in cash-back ($180 x 2).
The Amex Blue Cash Everyday card and Freedom Flex card are marketed as cash-back earning cards, but there are additional ways to redeem rewards earned on the cards.
Let’s look at the flexible redemption options you’ll have when it’s time to redeem the rewards earned on either card.
|Amex Blue Cash Everyday Card||
|Freedom Flex Card||
Travel benefits and protections, such as car rental insurance, can save you money during your travels. Additionally, having access to help when things go wrong can make a bad situation less stressful.
Here are some of the benefits and protections you’ll find on both the Amex Blue Cash Everyday card and the Freedom Flex card:
Both of our featured cards also have these additional benefits and protections:
Hot Tip: Be aware that neither the Amex Blue Cash Everyday card nor the Freedom Flex card is a good card for making purchases abroad as both cards charge foreign transaction fees.
Both the Amex Blue Cash Everyday card and Freedom Flex card offer several shopping benefits and protections that can save you money and provide coverage if something should happen to an eligible purchase made with the card.
Here are the benefits and protections you can expect on both cards:
Having either the Amex Blue Cash Everyday card or Freedom Flex card can be a low-maintenance proposition. And, since you won’t be paying an annual fee for either card, you can keep the cards for as long as you desire.
Also, there is no additional fee for adding authorized users to either card. For Amex Blue Cash Everyday card, see rates & fees.
If most of your spending is at U.S. supermarkets, U.S. gas stations, and online, you may want to take advantage of these bonus categories on the Amex Blue Cash Everyday card.
If you’re spending a lot on travel, want a card that offers flexible travel redemptions, and your additional spending matches up with the offered bonus categories, you can’t go wrong with the Freedom Flex card. The broader redemption options that include travel make it a better card for travelers. Plus, with quarterly bonus categories that can include grocery stores, gas stations, home improvement stores, PayPal, and much more, you’ll have additional earning opportunities.
Either card could serve as a way to earn rewards on everyday purchases.
If you’d like additional information on the best credit cards for everyday purchases, read our guide for a good overview of some additional choices.
For the Global Assist benefit of the Blue Cash Everyday® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Blue Cash Everyday® from American Express, click here.
If you’re spending around $6,000 each year at the U.S. supermarkets, $6,000 at the U.S. gas station, and $6,000 on U.S. online purchases, you’ll maximize the rewards earning on the Amex Blue Cash Everyday card.
If you spend a lot on travel, dining, and at drug stores, those categories earn the most on the Freedom Flex card. The card also has quarterly bonus earning categories that earn 5% cash-back. Additionally, you’ll have greater and more flexible redemption options, including travel, with the Freedom Flex card.
Neither card charges an annual fee.
Yes, the Freedom Flex card offers cell phone protection. Just pay your monthly bill with the card and receive up to $800 should your cell phone become damaged or stolen. Terms and limits apply.
No. The Amex Blue Cash Everyday card earns Reward Dollars that can be redeemed for statement credits, gift cards, or shopping at specific retailers.
A good to excellent credit score (670 or higher) and a good credit history increase your chances of approval for either card.
You can redeem Reward Dollars for statement credits, which can offset a travel purchase, but you can’t use Reward Dollars directly with travel providers.
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