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Updated May 6, 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.

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 15 months0% introductory APR on purchases for 12 months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 months0% introductory APR on balance transfers for 12 months
Purchase APR14.74% to 25.74% Variable based on your creditworthiness and other factors14.74% to 25.74% Variable based on your creditworthiness and other factors
Balance Transfers APR14.74% to 25.74% Variable based on your creditworthiness and other factors14.74% to 25.74% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$95 annual fee
 Terms Apply. See Rates & Fees
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.Introductory Bonus Cash Back: Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash BackCash Back Rewards: 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.Cash Back Rewards: New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
GasGas Rewards: 2% Cash Back at U.S. gas stations.Gas Rewards: 3% Cash Back at U.S. gas stations.
GroceryGrocery Rewards: 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).Grocery Rewards: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
 Apply NowApply Now

Blue Cash Everyday: Pricing information including interest rates, benefits and fees was obtained on September 19, 2019 from published websites and is believed to be accurate, but not guaranteed.

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

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.

Why Blue Cash Everyday Is Superior

Here is how Blue Cash Everyday cash back works:

Blue Cash Everyday cardholders receive 3% cash 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.

  • 0% intro APR on purchases and balance transfers for the first 15 months: After the promo period, you’ll have a variable rate based on your creditworthiness and other factors, currently 14.74% - 25.74% Variable .

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% cash back on purchases made at qualifying U.S. supermarkets (on up to $6,000 worth of purchases per year, then 1%), 3% cash back at U.S. gas stations, 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 $250 statement credit when you spend $1,000 on the card in the first 3 months. That’s $100 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 purchases at U.S. supermarkets (6% on up to $6,000/year in purchases, then 1%) and U.S. gas stations (3%), two common household spending categories.

Both Do Have Downsides

With Blue Cash Everyday:

  • Lower cash back rewards. Spending the same amount at U.S. gas stations and U.S. supermarkets 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 (See Rates & Fees). To justify that annual 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 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 reviews website. Write to Michelle Kaiser at michelle@creditdonkey.com

Editorial Note: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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.

For rates and fees of the Blue Cash Preferred card, please click here.

Disclaimer: The information for the Blue Cash Everyday® Card from American Express 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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Review: AMEX EveryDay vs Blue Cash Everyday

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Blue Cash Preferred Card from American Express
Apply for Blue Cash Preferred Card from American Express
At American Express' Secure Site
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • New 6% Cash Back on select U.S. streaming subscriptions.
  • New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
0% on balance transfers for 12 months
14.74% - 25.74% Variable
$95

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