Edited by: Jessica Merritt
& Juan Ruiz
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
You make a lot of purchases as part of your daily life, whether it’s filling up your gas tank, buying socks, or stopping to pick up a few items at the supermarket.
What if all of the everyday purchases you’re making could earn rewards? At the end of the month, you’d be sitting with extra useful cash in your pocket. You’d also have the option to let the cash accumulate or apply it to your monthly credit card statement. This scenario can easily be executed — earnings on everyday purchases can be automatic and result in tangible rewards.
If you’re spending a lot at supermarkets, gas stations, online retailers, or on transit and streaming services, the American Express credit cards we’re talking about today could match up with your spending patterns and be worth considering.
Let’s compare 2 popular cards that do well at rewarding everyday purchases. The Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express are designed specifically for this task.
If you’re spending a lot on everyday purchases and not currently earning rewards, you’ll be especially interested in hearing about how these cards work.
These 2 cards have a lot of similarities in their bonus-earning categories, redemption options, and additional benefits.
However, let’s look closer at how these cards stack up in a side-by-side comparison:
|Benefit||Blue Cash Everyday® Card from American Express||Blue Cash Preferred® Card from American Express|
|Welcome Offer||Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.||Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.|
|Top Travel Benefits/Protection||
|Top Shopping Benefits/Protections||
|Annual Fee||$0 (rates and fees)||$0 intro annual fee for the first year, then $95 (rates and fees)|
Introductory welcome bonuses can jump-start your cash-back earnings. To earn the welcome bonus offered on each of these cards, you need to meet minimum spending requirements within the first few months after card approval:
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.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Both the Amex Blue Cash Everyday card and the Amex Blue Cash Preferred card earn cash-back in the form of Blue Cash Reward Dollars. When you spend on your card, the applicable earnings percentage for that purchase category is applied, and earned cash-back is deposited into your Reward Dollars account for later redemption.
Here’s a look at how the cards compare in the earning categories:
|Everyday Purchase Category||Amex Blue Cash Everyday Card||Amex Blue Cash Preferred Card|
|U.S. Supermarkets||3% cash-back up to $6,000 in purchases each calendar year, then 1%||6% cash-back up to $6,000 in purchases each calendar year, then 1%|
|U.S. Gas Stations||3% cash-back up to $6,000 in purchases each calendar year, then 1%||3% cash-back|
|U.S. Online Retailers||3% cash-back up to $6,000 in purchases each calendar year, then 1%||1% cash-back|
|Streaming Services||1% cash-back||6% cash-back on select services|
|Transit||1% cash-back||3% cash-back|
|All Other Purchases||1% cash-back||1% cash-back|
It’s clear that the Amex Blue Cash Preferred card is the winner when comparing bonus category earnings. If you focus on supermarket purchases alone, you’ll see the potential for double the earnings over the Amex Blue Cash Everyday card.
While the Amex Blue Cash Preferred card charges an annual fee, you would need to spend $1,584 in 6% cash-back categories on the Amex Blue Cash Preferred card each calendar year to offset the current annual fee. This may be something to consider when deciding between an annual fee card compared to a no-annual-fee card.
If you prefer to not pay an annual fee, all of the cash-back you earn on the Amex Blue Cash Everyday card turns into cash-back earned on purchases you’re already making.
Cash-back Blue Cash Reward Dollars earned on either card can easily be redeemed for statement credits. This means you can wipe out any purchase you make with your cash-back funds.
There is a requirement that redemptions must be made in $25 increments.
In addition to redeeming cash rewards for statement credits, cardholders have the option to purchase merchandise or gift cards. However, these options may not deliver good value for your rewards.
You can count on both the Amex Blue Cash Everyday card and the Amex Blue Cash Preferred card to offer some of the same travel benefits.
These common benefits include:
Reserve and pay for your rental car with your eligible card, decline the rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW) coverage, and receive protection for theft, damage, and loss of use charges. Coverage is secondary to other insurance, which means you must file a claim with your own insurance first.
American Express Premium Car Rental Protection is available to cardholders for a flat fee of $12.25 to $24.95 depending on your chosen coverages. The fee covers the entire rental period, up to 42 consecutive days, and includes primary protection for your rental car.
Book a qualifying prepaid hotel with Amex Travel and if you find the same room advertised for less, you could receive the difference.
Receive assistance 24/7 while traveling more than 100 miles from your residence. Get help with English-speaking doctor referrals, translators, legal or other medical referrals, emergency transportation, and more. Cardholders are responsible for the actual cost of services, but referral assistance is provided complimentary.
Both the Amex Blue Cash Everyday card and the Amex Blue Cash Preferred card deliver a long list of shopping benefits that can save you money and provide additional protections that cover eligible items purchased with either card.
Here are some of the shopping benefits and protections you’ll find on both cards.
Receive online Amex Offers that can be utilized for savings on select purchases. Savings can be significant — up to hundreds, even thousands of dollars per year on everything from utilities, retailers, travel, and services.
Cardholders receive a discount when purchasing a new vehicle from participating dealerships. You will also be able to charge at least $2,000 of the purchase price on your card.
Receive 2-day free shipping and free returns with your complimentary ShopRunner membership. Receive special offers and shopping privileges at dozens of retailers. Normally, a ShopRunner membership costs $79 annually.
Purchase an eligible item with your card and get theft and damage protection for 90 days from the purchase date. Coverage limits are $1,000 per covered item and up to $50,000 per calendar year.
When an eligible item is purchased with your Amex Blue Cash Preferred card, you will receive 1 additional year added to the manufacturer’s warranty of 5 years or less. Coverage limits are $10,000 per item and up to $50,000 per calendar year.
Purchase an eligible item entirely with your card and receive up to $300 if the merchant will not accept a return within 90 days of the purchase date. Coverage is limited to $1,000 maximum per card account per calendar year.
Both the Amex Blue Cash Everyday card and Amex Blue Cash Preferred card offer a statement credit benefit on The Disney Bundle, which could net you up to $84 in value every year:
The Amex Blue Cash Everyday card comes with 1 additional monthly statement credit perk that can really add to the value of the card, especially considering the lack of an annual fee.
The Amex Blue Cash Preferred also offers up to $120 in additional value through its Equinox+ benefit:
As with the cards’ benefits, these cards also vary in annual fees. The Amex Blue Cash Everyday card has an annual fee of $0 and the Amex Blue Cash Preferred card has an annual fee of $0 intro annual fee for the first year, then $95.
It’s important to consider the annual fee, along with the card’s benefits, to determine which card might be right for your wallet.
Adding an authorized user to your card helps you earn more rewards faster. There is no charge to add additional users to either the Amex Blue Cash Everyday card (rates and fees) or Amex Blue Cash Preferred card (rates and fees).
While the Amex Blue Cash Everyday card and the Amex Blue Cash Preferred card could either serve as a productive addition for earning rewards on your everyday purchases, you should also check out these 2 additional options:
Everyday spenders can enjoy earning cash-back at U.S. supermarkets, restaurants, and travel with the Amex Gold card.
This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!
The American Express® Gold Card is definitely a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are a number of other benefits of the Gold Card as well, including extra monthly dining rewards and more.
In addition to bonus category earnings, the card earns valuable Membership Rewards points that can be redeemed for travel or transferred to one of the Amex transfer partners for even greater potential value.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
The Freedom Unlimited card makes a perfect choice to ensure you’re always earning rewards, regardless of the purchase category.
If you spend $6,000 on groceries in a calendar year, you’re going to earn $360 in cash-back rewards on the Amex Blue Cash Preferred Card. You will earn just $180 on the Amex Blue Cash Everyday card for the same level of spending ($6,000 x 3%). Even after paying the annual fee on the Amex Blue Cash Preferred card, you’re still ahead by $265.
If your spending mix is different, or at lower levels, and you are averse to paying an annual fee, the Amex Blue Cash Everyday card can still deliver value.
As we mentioned earlier, there are no losers with these 2 cards, there’s just a little math involved to determine which one is a better fit for your situation.
If you’re a frequent traveler, the cards will not live up to the role a travel rewards card needs to play. Both cards charge foreign transaction fees, do not offer flexible travel redemption options, and do not earn elevated rewards on travel purchases.
One of these 2 cards could be a perfect match for your everyday purchasing card, but if you’re looking for a travel rewards card, there will be better options.
For the car rental collision damage coverage benefit of the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express, car rental loss and damage insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the commercial car rental company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, Conditions and Limitations Apply. Visit americanexpress.com/
For the purchase protection benefit of the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/
For the Global Assist Hotline benefit of the Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express, you can rely on the 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. Visit americanexpress.com/
For the extended warranty benefit of the Blue Cash Preferred® Card from American Express, when an American Express® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/
For the return protection benefit of the Blue Cash Preferred® Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For the consumer looking for a card that rewards everyday purchases, either card could be a match.
The better card will be the one that matches rewards earning to the mix of your spending so that your greatest expenses earn maximum rewards.
In addition, you must be comfortable paying the annual fee. While the Amex Blue Cash Everyday card does not charge an annual fee, its earning levels are lower than the Amex Blue Cash Preferred card.
If you spend $6,000 at U.S. supermarkets in a year, the Amex Blue Cash Preferred card would be the better card. You would be earning $360 in rewards and paying a $95 (current) annual fee, for a net gain of $265. With the Amex Blue Cash Everyday card, your earnings on $6,000 spending at U.S. supermarkets would be net $180 ($6,000 x 3%).
Yes, generally you can. The Amex Blue Cash Preferred card and the Amex Blue Cash Everyday card are credit cards and although American Express does not publish a maximum number of cards it allows you to have, data points reveal that the maximum number of credit cards allowed is generally 5.
There are also data points that you cannot apply for more than 2 credit cards within a 90-day period and the applications should be spaced at least 5 days apart.
You will need a good to excellent credit score to apply for either card.
Yes, it is possible to upgrade, but reports are that you would need to have had the card for 1 year prior to being able to make the change.
Was this page helpful?
Get the latest travel tips, crucial news, flight & hotel deal alerts...
Plus — expert strategies to maximize your points & miles by joining our (free) newsletter.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.