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Updated January 12, 2017

American Express Blue Cash: Everyday vs Preferred

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Which American Express cash back credit card should you get? Read this comparison review to see how the Blue Cash Everyday stacks up against the Blue Cash Preferred and its $95 annual fee.

Which card from American Express, a CreditDonkey advertiser, is right for you?

 

Blue Cash Everyday

Blue Cash Preferred

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR on Purchases for 12 months0% introductory APR on Purchases for 12 months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 12 months0% introductory APR on Balance Transfers for 12 months
Purchase APR13.74% to 23.74% Variable based on your creditworthiness and other factors13.74% to 23.74% Variable based on your creditworthiness and other factors
Balance Transfers APR13.74% to 23.74% Variable based on your creditworthiness and other factors13.74% to 23.74% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$95 annual fee
See Rates & FeesSee Rates & Fees
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Introductory Bonus Cash Back: Limited Time Offer: Apply by 5/3/17 - Earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.
Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash BackCash Back Rewards: Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.Cash Back Rewards: Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
GasGas Rewards: 2% at U.S. gas stations. Terms and limitations applyGas Rewards: 3% cash back at U.S. gas stations. Terms and limitations apply
GroceryGrocery Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations applyGrocery Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations apply

Why Either Blue Cash Everyday or Blue Cash Preferred Is Good

With either Blue Cash Everyday or Blue Cash Preferred, you get:

  • Cash back: You get 1% back on purchases and higher amounts for some categories (the details vary for each card).

  • Cash back bonus: As a promotion, use either card often enough to spend $1,000 within the first 3 months, and you’ll get statement credit — $100 with the Blue Cash Everyday and $150 with the Preferred.

    Both cards also have a limited time offer. Apply by 5/3/2017 and earn 10% cash back on purchases at U.S. Restaurants in the first 6 months, up to $200 back.

  • 0% intro APR on purchases and balance transfers for the first 12 months: After the promo period, you’ll have a variable rate based on your creditworthiness and other factors, currently between 13.74% and 23.74%.

Why Blue Cash Everyday Is Superior

Blue Cash Everyday
Apply for Blue Cash Everyday Card from American Express
Here is how Blue Cash Everyday cash back works:

Blue Cash Everyday cardholders receive 3% back on purchases made at qualifying U.S. supermarkets on up to $6,000 worth of purchases per year (then 1%); 2% at U.S. gas stations and select department stores; and 1% back on other purchases. Cash back comes in the form of rewards dollars that can be redeemed as a statement credit.

Here is why you may prefer Blue Cash Everyday to Blue Cash Preferred:

  • No annual fee. This is the big reason to go for this card over the Preferred, which justifies its annual fee with a more generous rewards setup.

Why Blue Cash Preferred Is Superior

Blue Cash Preferred
Apply for Blue Cash Preferred Card from American Express
Here is how Blue Cash Preferred cash back works:

Blue Cash Preferred cardholders receive 6% back on purchases made at qualifying U.S. supermarkets (on up to $6,000 worth of purchases per year, then 1%), 3% back at U.S. gas stations and select department stores, and 1% back on other purchases. Cash back comes in the form of rewards dollars that can be redeemed as a statement credit.

Here is why you may prefer Blue Cash Preferred to Blue Cash Everyday:

  • Intro offer: earn $150 back in a statement credit when you spend $1,000 on the card in the first 3 months. That’s $50 more than the Blue Cash Everyday’s intro offer.
  • Better cash back rewards. Although both cards earn cash back on purchases, Blue Cash Preferred cardholders earn more cash back on groceries and gas, two common household spending categories.

Both Do Have Downsides

With Blue Cash Everyday:

  • Lower cash back rewards. Spending the same amount on gas and groceries with the Blue Cash Everyday Card earns you fewer rewards than you could be earning with the Blue Cash Preferred Card.

With Blue Cash Preferred:

  • Annual fee. The Preferred Card comes with a $95 annual fee, unlike the Everyday card. To justify that fee, consider this example: if you used the card often enough to buy $1,584 worth of groceries at U.S. supermarkets within a year, you’d get $95.04 in cash back. For many families, that’s a easy threshold to meet, and it’s not including all the other ways they can earn cash back with this card. However, if you’re looking for a card that you’ll only use occasionally, you may not find the annual fee to worth the trouble.

Also Keep In Mind

So, Should You Get Blue Cash Everyday or Blue Cash Preferred?

Before deciding on a card, look at your recent spending habits and apply the cash back percentages from both cards to see how much cash back you would likely earn over the course of a year.

In our opinion, in most cases (especially if you’re a frequent visitor of your local supermarket), the Blue Cash Preferred is the better card for cash back if you’ll be spending enough to justify the annual fee.

The question is: will you use it often enough, year after year? If you buy a lot of groceries every week (an average of $100) and buy gas at least once a week, you may benefit by the upgrade to the Preferred. Otherwise, consider the Blue Cash Everyday.

Michelle Kaiser is a retail analyst at CreditDonkey, a credit card comparison and financial education website. Write to Michelle Kaiser at michelle@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped families make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Blue Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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