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Review

Review of the American Express Blue Cash Everyday® and Blue Cash Preferred® Cards

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(Rates & Fees)

(Rates & Fees)

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.99–23.99% Variable
Our rating
Min. credit level: Good
Annual Fee: $95
Regular APR: 13.99–23.99% Variable

American Express offers this pair of highly rewarding cash back cards, the Blue Cash Everyday® Card and the Blue Cash Preferred® Card.

They both offer higher cash back at U.S. supermarkets and U.S. gas stations, and their potential interest rates are identical, but the Preferred card is an upgraded version that provides quite a bit more cash back (at the cost of an annual fee) (Rates & Fees).

Both of these cards feature contactless technology, allowing for quick tap-and-go payments.

Due to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.

These cards are great for everyday spending, whether you get the Everyday or Preferred version. Read on to learn what makes them different, how to make the Preferred worth the annual fee , and how they can help you save money on some of the things you buy the most.

Card Annual Fee Rewards
Blue Cash Everyday® Card from American Express (Review) $0 (Rates & Fees)
  • 3% cash back at U.S. supermarkets (up to $6,000 annually)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
  • $150 statement credit for spending $1,000 in the first 3 months
Blue Cash Preferred® Card from American Express (Review) $95
  • 6% cash back for U.S. supermarkets (up to $6,000 annually) and Select U.S. streaming subscriptions
  • 3% cash back for U.S. gas stations and Transit
  • 1% cash back on all other purchases
  • $250 statement credit for spending $1,000 in the first 3 months

Blue Cash Everyday® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Blue Cash Preferred® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$95
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Our Rating: 5 Out of 5 Stars

We give both the Blue Cash cards 5 out of 5 Stars because they are both great reward cards for the niches they intend to fill. They’re designed for spending at U.S. supermarkets and U.S. gas stations for the most part, with the Everyday version meant for lower spenders and the Preferred version meant for higher spenders.

The Blue Cash Everyday, with no annual fee, offers a solid 3% back at U.S. supermarkets (up to $6,000 per year, then 1%) and 2% back at U.S. gas stations and some U.S. department stores, making it one of the best reward cards without an annual fee . The Blue Cash Preferred has a $95 annual fee, but for that price you’ll earn 6% back at U.S. supermarkets (up to $6,000 per year, then 1%) and on select U.S. streaming services, plus 3% back at U.S. gas stations and on transit. These high rewards make it pretty easy to offset the annual fee and earn quite a bit of profit on top of that .

Both cards have a good introductory bonus. For spending $1,000 with the card in the first 3 months, you’ll get $150 cash back with the Everyday version and $250 cash back with the Preferred. This will pay for the Preferred’s annual fee for two years, so that’s a pretty nice offer compared to the fee.

We found that if you spend more than $2,600 at U.S. supermarkets and $1,300 at U.S. gas stations every year, the Blue Cash Preferred will end up providing more cash back, even after you pay the annual fee. If you spend less than that amount every year, the Blue Cash Everyday will be more profitable to use. For a thorough discussion of which card to use in different financial situations, see the Which Card Is Better For You? section below.

Both cards share the same set of extra benefits, some of which can be quite rewarding. In particular, check out the Amex Offers and the 10% discount on utilities.

Overall, they do well on all the main card features: good cash back rewards, good benefits, and fair costs and fees.

Insider Advice: Using These Cards as Part of Your Credit Card Strategy

  • These cards are both primarily designed for spending at U.S. supermarkets and U.S. gas stations, along with some U.S. department stores. If that’s your intent, one of these cards will probably work out well for you. If you’re looking for a card for more general spending, check out other reward credit cards.
  • A smart strategy could be to pair one of the Blue Cash cards with a general reward card. You can use the Blue Cash card whenever you shop at U.S. supermarkets or U.S. gas stations, and the general reward card for every other purchase. That makes things simple, and helps maximize the cash back you earn.
  • The Blue Cash Everyday has no annual fee and offers relatively lower rewards , while the Blue Cash Preferred has a $95 annual fee but it offers higher rewards . If you use the Preferred version you’ll want to make sure you earn enough cash back every year to pay for that fee, and provide some profit on top of that. You’ll need to spend at least $1,100 at U.S. supermarkets and $1,100 at U.S. gas stations per year to offset the fee, but you’ll want to spend more than that to make this card profitable. Learn more in our section on How to Offset the Annual Fee.
  • The Everyday is good for minimal spending, while the Preferred is better for average or higher spending. If you’re trying to choose between them, check your spending habits: if you spend more than $2,600 at U.S. supermarkets and $1,300 at U.S. gas stations per year, the Blue Cash Preferred will provide more cash back despite the annual fee. If you spend less than that, the Blue Cash Everyday will be more appropriate for you. Read our section, Which Card is Better For You?, to learn more.
  • Both of these cards have a introductory bonus for spending $1,000 in the first 3 months, so be sure to plan out some spending to achieve this. When you do, you’ll get $150 cash back with the Everyday card and $250 back with the Preferred. It’s easy money, so you should definitely take it.
  • You’ll have a few different ways to redeem the cash back you earn: for statement credits, gift cards, or particular shopping purchases. We recommend you always go with statement credits, unless there is a particular gift card you want to get. We found that statement credits are the best way because they’ll always provide the full $1 for every $1 of cash back you redeem; gift cards are second-best because they will usually redeem for the full amount, but not always; and the shopping redemption method is the worst because the deals it offers are far more expensive than if you were to make those purchases through normal methods.
  • These cards both come with quite a few benefits, and some of them can be pretty rewarding. Be sure to look at all of them, but particularly the Amex Offers, where you’ll find exclusive discounts on a wide variety of shopping, dining, and entertainment-related purchases. There’s also an offer for 10% off certain utilities, though this only comes now and then for a limited time so be sure to watch out for it.
  • Typically you would only need one of these cards at a time. If you have the regular Blue Cash Everyday but are spending quite a bit with it, you can contact American Express to see if you can upgrade to the Preferred version. In some cases they may transfer your credit limit over, but in other cases you may have to apply for the Preferred and get an entirely new account with a new credit limit.
  • Both of these cards allow you to carry a balance from month to month at the cost of accruing interest, but we do not recommend this. You can easily avoid accruing interest by paying off your balance in full every month. This will prevent extra interest charges, which make these cards less profitable, and it will also help your credit scores.

The Rewards

Earning

Blue Cash Everyday

Spending Rewards
  • 3% cash back at:
    • U.S. supermarkets (up to $6,000 spent annually)
  • 2% cash back at:
    • U.S. gas stations
    • Select U.S. department stores
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $150 statement credit for spending $1,000 in the first 3 months after account opening

Blue Cash Preferred

Spending Rewards
  • 6% cash back for:
    • U.S. supermarkets (up to $6,000 spent annually)
    • Select U.S. streaming services
  • 3% cash back for:
    • U.S. gas stations
    • Transit
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • $250 statement credit for spending $1,000 in the first 3 months

When I got my Blue Cash Preferred, and the bonus was only $150, I first checked to see if I was prequalified for the card. It turned out that I had an offer available for a $250 introductory bonus instead of the normal offer, which I happily took. A great value for easy work! Take some time to check if you’re prequalified, and you might be pleasantly surprised.

The U.S. supermarkets category is quite broad, and probably includes most retailers that you’d classify as a U.S. supermarket. This category does not include specialty food stores, superstores, or warehouse clubs.

The list of eligible stores in the U.S. supermarkets category includes, but is not limited to:

U.S. Supermarket Category Example Retailers
Gristedes Foodtown Meijer Pathmark Shoprite
Stop and Shop Vons Wegmans Whole Foods Online supermarkets like FreshDirect

When it comes to “select streaming services,” you can generally expect popular picks like Netflix, Hulu, Apple Music, Spotify, HBO Now, and Prime Video Unlimited (and more) to be covered.

The ‘U.S. gas station’ category defines a gas station as “a merchant that is in the primary business of selling gasoline to consumers,” so that will include pretty much every gas station you’ll ever find in the U.S. Take note that this category does not include superstores, supermarkets, and warehouse clubs that sell gas.

Eligible examples of transit include taxis and rideshares, parking, tolls, trains, and buses. But it’s important to know that airfare and car rentals aren’t on the list.

For the ‘select U.S. department stores’ category, there are currently only 16 retailers where this is applicable. The list includes some pretty big brands, however, and online purchases are eligible for the 2% cash back, so it shouldn’t be too hard to make use of this reward category.

Here’s the current and complete list of department stores where this reward category is eligible:

Complete List of Department Store Retailers
Bealls Belk Bloomingdale’s Bon Ton Stores Boscov’s Century 21 Department Stores Dillard’s J.C. Penney (JCP)
Kohl’s Lord & Taylor Macy’s Neiman Marcus Nordstrom Saks Fifth Avenue Sears Stein Mart

You’ll get your cash back in the form of Reward Dollars, which are basically credits that are ready and waiting to be used. You’ll get 1 Reward Dollar for every $1 in cash back that you earn, but the value you get in the end will depend on how you redeem those Reward Dollars.

Due to the impact of COVID-19, for eligible card accounts approved from 12/1/19 through 5/31/20, the period to make eligible purchases to earn the welcome bonus will be extended for an additional three months.

How to Offset the Annual Fee

The Blue Cash Preferred has a $95 annual fee , so you’ll want to make sure you’re getting at least that much value from the rewards and benefits. Otherwise you’re losing money every year.

So how much cash back would you need to earn to offset that fee, and how much would you need to spend to get it?

The basic Blue Cash Everyday card has no annual fee, so you don’t have to worry about offsetting it . As long as you pay your bills on time and avoid interest, you’ll always come out ahead no matter how much you spend. But in many cases the cardholder would earn more with the Preferred, even after paying the fee; see our Which Card is Better For You? section below for a discussion on this.

More specifically, how much would you need to spend at U.S. supermarkets and/or U.S. gas stations every year? You’ll earn 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%) and 3% cash back at U.S. gas stations, so with that combined spending it will be pretty easy for most people to offset the annual fee . We’ll assume that you redeem your cash back as a statement credit, so you’ll be sure to get the full $1 for every $1 in cash back you’ve earned.

The most cost-efficient way would be to earn that cash back at the 6% rate. If you spend $1,584 at U.S. supermarkets ($132 per month) you’ll get just over $95 cash back, and any more cash back you earn is all profit. But a more realistic way to use the card is to use it for purchases at both U.S. supermarkets and U.S. gas stations.

With that combined spending, one minimal way to offset the annual fee would be to spend just $1,100 at U.S. supermarkets and $1,100 at U.S. gas stations in a given year ($92 per month for each), which will earn you $99 in cash back . If you know you’ll be spending at least that much on those purchases every year, you can be confident you’ll be able to offset the annual fee (though you won’t be making much profit — see our Which Card is Better For You? section below).

In a more realistic scenario you’ll probably be spending much more than that. How much cash back would you earn, for example, if you spent $3,600 per year at U.S. supermarkets ($300 per month) and $1,200 per year at U.S. gas stations ($100 per month)?

You’d end up getting $216 back for the purchases at U.S. supermarkets and $36 back for the purchases at U.S. gas stations, for a total of $252 cash back per year. When you subtract the annual fee of $95 , you’re left with $157 cash back. Not too shabby.

Redeeming

You’ll get 1 Reward Dollar for every $1 in cash back that you earn, but the final value you get will depend on how you redeem those Reward Dollars. There are three ways to redeem the Reward Dollars that you earn:

  • Statement credits: recommended, most rewarding method, guaranteed $1 per 1 Reward Dollar
  • Gift cards: second-best method, usually $1 per 1 Reward Dollar but not always
  • Shopping: worst method, offers less than $1 per 1 Reward Dollar

You’ll be required to redeem your cash back in increments of $25, unless otherwise noted.

Which Card is Better for You?

As you can see, both of these cards have valuable features but the Preferred version is quite a bit more rewarding. You’ll get twice as much cash back when shopping at U.S. supermarkets, and a bit more back at U.S. gas stations.

But the Preferred card also has an annual fee of $95 , while the Everyday version is free to use . So is the Blue Cash Preferred worth the cost, compared to the Blue Cash Everyday? The answer to this will depend on how much you typically spend at U.S. supermarkets and U.S. gas stations every year.

In our examples below, we calculated that if you spend more than about $2,600 at U.S. supermarkets and $1,300 on U.S. gas stations per year, the Blue Cash Preferred Card will be more profitable to use. If you spend that much or less per year, the Blue Cash Everyday will be more profitable to use.

Blue Cash Preferred Card Spending Examples

Using the Preferred Card you’ll get 6% back at U.S. supermarkets and 3% back for U.S. gas stations. Let’s say, for example, that you spend $100 at U.S. supermarkets and $50 at U.S. gas stations per week, for a total of $5,200 and $2,600 per year, respectively. That means you’ll get $312 back for the U.S. supermarkets spending and $78 back for the U.S. gas station spending, for a total of $390. That’s more than enough to pay for the annual fee, with $295 in profit after you pay it .

But what if you won’t spend that much? If you only spend half as much, $50 at U.S. supermarkets and $25 on gas per week, that would equal $2,600 at U.S. supermarkets and $1,300 at U.S. gas stations per year. That will provide $156 back for U.S. supermarkets and $39 back for U.S. gas stations, for a total of $195. That’d pay for the annual fee with only $100 in profit .

Here’s a table summarizing those results, along with another even lower-spending example:

Annual U.S. Supermarket Spending Annual U.S. Gas Station Spending Total Cash Back Net Cash Back After Annual Fee
$5,200 $2,600 $390 $295
$2,600 $1,300 $195 $100
$1,300 $650 $97.50 $2.50

Let’s go over the same spending examples with the Everyday card.

Blue Cash Everyday Card Spending Examples

That sounds fine for the Preferred Card, but what if you did the same spending with the basic Blue Cash card? You would earn less cash back, getting 3% back for U.S. supermarkets and 2% back for U.S. gas stations, but you also wouldn’t need to pay an annual fee . So does it end up being a better deal?

In our first higher-spending example, you spend $5,200 at U.S. supermarkets and $2,600 on at U.S. gas stations per year. With the basic Blue Cash card, you would earn $156 back for the U.S. supermarkets and $52 back for the U.S. gas stations, for a total profit of $208 cash back. Compare that to the Blue Cash Preferred, which would provide $295 profit after paying its annual fee with this level of spending .

In the second lower-spending example, you spend $2,600 at U.S. supermarkets and $1,300 at U.S. gas stations per year. The basic Blue Cash card would provide $78 back for the U.S. supermarkets and $26 back for the U.S. gas stations, for a total profit of $104 cash back. Compare that to the Blue Cash Preferred, which would only provide $100 cash back per year at this level of spending. In this example you’ll actually earn more back with the basic Blue Cash card, but only by $4.

Here are those results summarized, and compared to what you’d get with the Blue Cash Preferred:

Annual U.S. Supermarket Spending Annual U.S. Gas Station Spending Total Cash Back with Blue Cash Everyday Net Cash Back with Blue Cash Preferred
$5,200 $2,600 $208 $295
$2,600 $1,300 $104 $100
$1,300 $650 $52 $2.50

The Right Card Depends on Your Level of Spending

There is a particular level of spending that constitutes a cutoff point for the Blue Cash Preferred card. If you spend less than this, you shouldn’t be using the Preferred card because you can get a more profitable deal with the Blue Cash Everyday.

If you spend less than about $2,600 at U.S. supermarkets and $1,300 at U.S. gas stations every year, the Blue Cash Everyday will be right for you. If you spend more than this every year, the Blue Cash Preferred will be more profitable to use as long as you redeem your cash back for the full $1 value, as explained above. 

Keep in mind that we were somewhat conservative with these estimates because we didn’t take into account any other spending you might do with the card, at department stores or anywhere else. Chances are that if you’re the average American consumer, you’ll be spending more than our low-spending example.

So, if you’re going to be shopping at U.S. supermarkets quite regularly, the Preferred version of this card will probably be the right move. And if you’re shopping for an entire family you’ll almost certainly be better off with the Preferred. The cash back you earn from U.S. supermarkets alone should offset the annual fee, and this doesn’t even take into account other purchases or the other benefits you’ll get with this card .

The Benefits

The Everyday and Preferred cards offer the same set of additional entertainment, shopping, and travel benefits. Check your card terms for details on your benefits and how to access them. Since they’re the exact same here, you won’t have to worry about choosing between benefits if you’re wondering which one of these cards to get.

A couple of them, like the Amex Offers, can be quite rewarding if you find deals that you’ll be able to make use of. Also, look for the 10% discount on utilities, which could end up saving you quite a bit over time.

Here are the most valuable and interesting benefits, though this list doesn’t cover everything these cards offer.

Amex Offers

You’ll have access to discounts at a wide variety of merchants — currently there are 73 different offers available, and the selection changes now and then.

You just need to head to the Amex Offers program and click ‘Add to Card’ for the deals you want. Then, just use your card as you normally would to make a purchase with that merchant. Your savings will appear as a statement credit later on, reducing your account balance. You may or may not earn additional rewards at the regular rate — this will depend on the particular offer.

Many of the deals can be quite valuable, saving you from $5 up through more than $100 for some of them. For most of them, you’ll need to spend a certain amount to get a certain discount. Some of the current offers include:

Merchant Need to Spend Cash Back Maximum Savings
PuritansPride $30 $10 33.33%
Sling TV $15 $5 33.33%
Glasses.com $200 $50 25%
1-800-CONTACTS $200 $40 20%
MGM Resorts $250 $50 20%
Ray-Ban Sunglasses $175 $35 20%
Wine Enthusiast $250 $50 20%
Raymour & Flanigan $750 $115 15.33%
Dollar Shave Club $70 $5 7.14%

There are many fantastic deals waiting to be had here, though many other credit card issuers will offer a similar service. For example, Chase provides the Chase Ultimate Rewards portal, Bank of America has its BankAmeriDeals offers, and Citi has the EasyDeals service. You’ll find a range of discounts in all of them.

The Blue Cash Preferred Card has an annual fee of $95.

Save 10% on Some Utilities

Occasionally you’ll be given the opportunity to save 10% on your cable, satellite TV, and/or cell phone bills. Just find the offer and click ‘Add to Card,’ and then use your card to pay for the utility as normal.

Entertainment Access

This benefit, also called Membership Experiences, provides pre-sale tickets to a variety of sports, music, and cultural events, as well as access to certain exclusive experiences. You’ll be able to search by interest, artist, event, or venue.

A couple of offers that were available when this review was written are special access to the LUCKYRICE™ Miami Feast on the affordable end (for $88 per ticket), to VIP Access to the Abu Dhabi Grand Prix on the more expensive end (for $9,800).

Lowest Hotel Rates Guaranteed

If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference. You must submit your claim before the check-in date, and be sure to check your card details because some restrictions apply.

Free 2-Day Shipping and Returns

Cardholders will have access to free 2-day shipping and returns through the ShopRunner service. This benefit includes over 140 merchants and brands, which you can easily browse.

You must manually enroll in this benefit to make use of it.

American Express Personal Loans

Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved). Loans are offered from $3,500 to $25,000, with fixed interest rates from as low as 6.90% up to 19.97%.

The Costs & Fees

Card Annual Fee Intro APR for Purchases Regular APR for Purchases Cash Advance APR Foreign Transaction Fee
Blue Cash Everyday $0 0% for 15 months  13.99–23.99% Variable 25.24% Variable 2.7%
Blue Cash Preferred $95 0% for 12 months  13.99–23.99% Variable  25.24% Variable 2.7%
Card Penalty APR Late Fee Returned Payment Fee
Blue Cash Everyday 29.24% Variable Up to $40 Up to $40
Blue Cash Preferred 29.24% Variable Up to $40 Up to $40

You can see from the table that the costs and fees of these cards are almost completely identical. If you’re trying to choose between them, the annual fee is the only detail you need to worry about.

Both cards have a very generous 0% intro APR period on purchases — 15 months for the Everyday and 12 months for the Preferred — which are pretty long compared to most other options out there. After the introductory periods end the regular APRs of 13.99–23.99% Variable and 13.99–23.99% Variable , respectively, start. You can use these periods to pay for large purchases at no interest, but you’ll still have to pay your bill every month. Just remember the high penalty APR, which could be implemented if you make a late or returned payment.

Take note that 0% intro APRs are great, but if you make a late or returned payment you could lose it before it officially ends, leaving you with the high penalty APR!

Since there is no annual fee for the Blue Cash Everyday , the cash back you earn will be all profit as long as you avoid accruing interest. With the Blue Cash Preferred, if you earn enough cash back to offset the annual fee as described above , any more you earn will be all profit as long as you avoid interest.

The Bottom Line

The Blue Cash cards from American Express are some of the most rewarding cards on the market. The 3% cash back for U.S. supermarkets with the Blue Cash Everyday card is usually as good as it gets, which makes the 6% back with the Blue Cash Preferred card pretty incredible.

Since these cards have identical benefits and nearly identical fees, the major deciding points are the amounts of cash back they provide and the annual fee.

Although each card has a $6,000 limit for 6% rate at U.S. supermarkets, you’ll still get quite a bit of cash back even if you hit that limit. If you spend the full amount in 1 year this still equates to $180 for the Everyday card and $360 for the Preferred, quite a nice return on purchases you’ll already be making. And that doesn’t even take into account U.S. gas station or select U.S. department store purchases.

While the Preferred card does have a $95 annual fee , you’ll be able to easily pay for it with the cash back you get as explained above, with a lot more to spare. You’ll also have the introductory bonus on each card, providing $150 for the Everyday and $250 for the Preferred, which will cover the Preferred’s annual fee for 2 years.

These cards also come with the award-winning customer service of American Express, so you can expect a relatively good experience if you need to deal with any problems that might come up (compared to some other card issuers).

How to Apply for the Amex Blue Cash Cards

The application process for each card will be through American Express, who will usually check your Experian credit report. The Everyday version is meant for people with good credit, while the Preferred version is designed for people with excellent credit.

Blue Cash Everyday® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Blue Cash Preferred® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$95
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee
  • Terms Apply.
  • See Rates & Fees

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Alternatives to the Amex Blue Cash Cards

Are the Amex Blue Cash Cards not quite doing it for you? Don’t worry, we’ve put together a list of some solid alternatives.

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit level Excellent
Details
Annual Fee $0
Regular APR 13.99% – 23.99% (Variable)
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The Citi® Double Cash Card – 18 month BT offer (Review) is one of the top cash back cards available, offering a flat 2% rate on every purchase you make.

It’s a more versatile alternative to the Blue Cash cards. Rather than getting more cash back at U.S. supermarkets and gas stations, you’ll get the same decent rate for everything you buy, no matter where you are. No worrying about bonus categories, trying to figure out where you’ll earn the best rewards.

The Double Cash doesn’t offer an introductory bonus however, like the Blue Cash cards do. The Blue Cash cards also have it beat when it comes to the benefits, in some ways, but the Double Cash still has a lot to offer.

But you could always use both! Use either of the Blue Cash cards for your gas and grocery purchases (and whatever else falls under their bonus categories), and use the Double Cash on literally everything else. It’s a win-win.

Spending Rewards
  • 2% cash back for every purchase you make
    • 1% back when you make a purchase
    • 1% back when you pay for that purchase

The Double Cash’s rewards can be converted to ThankYou points, where they could potentially be worth more than 1 cent each through transfers to airline partners. If you can manage to get 2 cents per point, for example, you’d be earning a 4% cash back equivalent with every purchase, which is pretty great.

  • Free FICO credit score: See your FICO Bankcard Score 8, based on your Equifax credit report, on statements, online, and by mobile app.
  • Citi Concierge: Get restaurant suggestions, reservations, travel arrangements, shopping research, and more.
  • Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies.
  • Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
  • Annual fee: $0
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

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Discover it® Cash Back

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR See Terms

The Discover it® Cash Back (Review) is a popular card, featuring rotating reward categories that change every three months.

Though the Amex Blue Cash cards have stronger benefits, the Discover it does supply more versatility with the changing reward categories (activation required). And here’s another strong feature: Discover will double the cash back you earn after your first year, a great deal that provides a significant bonus. At a glance, this card is both more and less rewarding than the Blue Cash Everyday and Preferred: more rewarding in some categories, and less in others.

But why choose? You could use the cards together to earn great rewards on a wider variety of purchases. Use the Discover card when you’ll earn more with its rotating categories, and use either of the Amex Blue Cash cards when you’ll earn more back in their bonus categories.

Spending Rewards
  • 5% cash back in categories that rotate every three months, up to $1,500 spent per quarter, then 1% (activation required)
  • 1% cash back on all other purchases
Introductory Bonus Offer
  • Cashback Match: New cardmembers get double cash back in the first year (awarded after the first year)

The 5% cash back calendar for 2020 is:

Quarter 5% Cash Back Categories
January – March Grocery Stores, Walgreens, CVS
April – June Gas Stations, Uber, Lyft, Wholesale Clubs
July – September Restaurants, PayPal
October – December Amazon.com, Target.com, Walmart.com
  • Free FICO credit score: See your FICO Score 8, based on your TransUnion credit report, on statements, online, and by mobile app.
  • Cash at Checkout: When shopping at participating locations, you can get immediate cash back by charging an additional amount over your purchase for no extra fee.
  • Refer a Friend: Receive a statement credit bonus when you refer someone you know to apply for a Discover card (if he or she is approved).
  • Free Social Security number alerts: Discover will let you know if your Social Security number appears on an extensive list of dark web sites.
  • Quick Freeze: Place a hold on your card if you misplace it.
  • Purchase and Balance Transfer APR: See Terms for See Terms, then See Terms
  • No foreign transaction fee
  • Annual fee: $0

The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Bank of America® Cash Rewards Credit Card

Our rating
Min. credit level Good
Details
Annual Fee $0
Regular APR 16.24%–26.24% Variable
Apply Now

securely on the issuer's website

The Bank of America® Cash Rewards Credit Card (Review) is a solid rewards card, with no annual fee and a nice 0% intro APR for purchases.

It’s a slightly more flexible option than the Blue Cash, as it allows you to choose your own 3% cash back category each month. It covers gas and groceries, along with several other purchase types that the Blue Cash cards don’t include. The downside here is that you can only have one of those 3% categories active at once.

You’ll need to look at your spending habits to figure out which card would be best. Do you have a variety of spending throughout the year? Are you likely to spend more on gas than on groceries? If so, you might get more out of the Bank of America card than the Blue Cash Everyday.

Are you willing to pay an annual fee for the Preferred? If you spend enough on groceries each year it could end up being quite a bit more rewarding than the Bank of America Cash Rewards, despite that card not carrying a fee. The other bonus categories are top-notch and should prove handy, too.

Spending Rewards
  • 3% cash back in one category of your choice:
    • Gas
    • Online shopping
    • Dining
    • Travel
    • Drugstores
    • Home improvement/furnishings stores
  • 2% cash back at:
    • Grocery stores
    • Wholesale clubs
  • 1% cash back on all other purchases
  • Spending limit: 3% and 2% rewards only up to $2,500 spent per quarter
Introductory Bonus Offer
  • $200 cash rewards bonus for spending $1,000 in the first 90 days
    • Return on spend: 20%
  • Free FICO credit score: See your TransUnion-based FICO 8 credit score as it changes over time, along with a month-to-month comparison.
  • Extended Warranty: Eligible purchases will have their manufacturer’s warranty doubled by up to one additional year.
  • 24-hour travel assistance: Call Travel Assistance Services when you need help away from home. This benefit is available when traveling 50 miles or more away from home, unless you live in New York in which case there is no mileage requirement.
  • Purchase and Balance Transfer APR: 0% for 12 billing cycles, then 16.24%–26.24% Variable
  • Annual fee: $0
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you’re a Preferred Rewards member, you can earn 25% – 75% more cash back on every purchase

Blue Cash Everyday® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Blue Cash Preferred® Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$95
Regular APR13.99–23.99% Variable
Apply Now

securely on the issuer's website

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

Do you use one of these cards? How do you like it? Leave your own review of the Blue Cash Everyday or Blue Cash Preferred below!

Looking for other great credit cards? Check out our picks for the Best Reward Credit Cards.

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

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

At a glance

The American Express Blue Cash Everyday and Blue Cash Preferred credit cards offer great rewards programs with versatile spending categories, along with a small selection of simple benefits.

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The information related to Discover it® Cash Back has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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