{"id":2008,"date":"2026-10-31T18:10:02","date_gmt":"2026-10-31T18:10:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=2008"},"modified":"2026-11-12T21:59:37","modified_gmt":"2026-11-12T21:59:37","slug":"amex-blue-cash","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/amex-blue-cash\/","title":{"rendered":"Amex Blue Cash Everyday vs. Blue Cash Preferred \u2014 Which Powerhouse Cash-Back Card Is Right for You?"},"content":{"rendered":"<p>Looking for a rewarding cash-back card that fits your everyday spending habits? American Express offers two popular options: the <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/a> and the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/a>. Both offer welcome bonuses, strong cash-back categories, and useful statement credits, but there are some substantial differences, too.<\/p>\n<p>Here's how the two cards compare and which might be a better fit for your spending habits.<\/p>\n<h2><span id=\"Amex_Blue_Cash_Everyday_and_Blue_Cash_Preferred_at_a_Glance\">Amex Blue Cash Everyday and Blue Cash Preferred at a Glance<\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>3% cash back on groceries at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back on gas at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0 intro annual fee for the first year, then $95<span class=\"compare-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on gas purchases at eligible U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/amex-cashback-cards\/\" rel=\"noopener\">Which American Express Cash-Back Card Is Right for You?<\/a><\/strong><\/p>\n<h2><span id=\"Each_Card_Comes_With_a_Valuable_Welcome_Offer\">Each Card Comes With a Valuable Welcome Offer<\/span><\/h2>\n<p>Both the Blue Cash Everyday and Blue Cash Preferred offer welcome bonuses to eligible new cardholders. Here's what you can earn with each card:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a>:<\/strong> You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/li>\n<li><strong><a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a>:<\/strong> You may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply. Plus, this card offers a $0 intro annual fee for the first year, then $95  (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/li>\n<\/ul>\n<p>On top of the welcome bonuses, both cards come with introductory 0% APR periods on purchases and balance transfers. We'll delve into those a little later.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">Tricks To Meet Minimum Spending Requirements on New Credit Cards<\/a><\/strong><\/p>\n<h3><span id=\"Who_is_eligible_to_earn_the_welcome_bonus_on_these_Amex_cards\">Who is eligible to earn the welcome bonus on these Amex cards?<\/span><\/h3>\n<p dir=\"ltr\">Amex generally won't give you a welcome bonus on a card that you've held before. And even if you've never had the card, Amex can still deny you the bonus based on your history with the issuer. Amex spells it out in its terms and conditions:<\/p>\n<blockquote>\n<p dir=\"ltr\"><em>&#8220;The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer, intro APRs, and intro plan fee eligibility.&#8221;<\/em><\/p>\n<\/blockquote>\n<p dir=\"ltr\">There is some good news. Amex has not applied its family rule to Blue Cash cards &#8230; at least not yet. So if you've held the <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> in the past, that alone shouldn't disqualify you from earning a welcome bonus on the Blue Cash Preferred, and vice versa.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/amex-welcome-offer-eligibility-tool\/\" rel=\"noopener\">Everything To Know About the Amex Welcome Offer Eligibility Tool<\/a><\/strong><\/p>\n<h2><span id=\"Each_Card_Is_Optimized_to_a_Different_Kind_of_Spender\">Each Card Is Optimized to a Different Kind of Spender<\/span><\/h2>\n<p>The right card is going to come down to what you spend money on. Both the Blue Cash Everyday and Blue Cash Preferred are unique in what purchases earn the most bonus rewards.<\/p>\n<h3><span id=\"Blue_Cash_Everyday_earning_rates\">Blue Cash Everyday earning rates<\/span><\/h3>\n<p>By focusing on the categories that shoppers use most \u2014 like groceries and gas \u2014 Amex has catapulted the <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> into the upper echelon of cash-back rewards cards. This card earns as follows:<\/p>\n<ul><li>3% cash back on groceries at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back on gas at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li>\r\n<\/ul>\n<p>While it's a bummer that there are caps on the 3% earnings categories, you'd need to average more than $500 in spending <em>per category <\/em><em>per month<\/em> before this will become a limitation.<\/p>\n<figure id=\"attachment_121472\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-121472 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-pumping-gas-featured.png\" alt=\"a woman pumping gas into her car\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-pumping-gas-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-pumping-gas-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-pumping-gas-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-pumping-gas-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrea Piacquadio\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Blue_Cash_Preferred_earning_rates\">Blue Cash Preferred earning rates<\/span><\/h3>\n<p>The <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> trades the online retail category for streaming and transit (and doubles the cash back on supermarkets). If you've got several streaming subscriptions, which is becoming a household norm, or a hefty grocery bill (who doesn't in this economy), earning 6% back on these purchases is pretty appealing.<\/p>\n<p>This card earns rewards as follows:<\/p>\n<ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on gas purchases at eligible U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul>\n<h2 dir=\"ltr\"><span id=\"Blue_Cash_Category_Restrictions\">Blue Cash Category Restrictions<\/span><\/h2>\n<p dir=\"ltr\">Amex defines some of its bonus categories more narrowly than its marketing suggests. Here's what qualifies and what doesn't.<\/p>\n<h3 dir=\"ltr\"><span id=\"US_supermarkets\">U.S. supermarkets<\/span><\/h3>\n<p dir=\"ltr\">Amex counts traditional grocery stores, including Kroger, Safeway, Publix, Whole Foods, Trader Joe's, and Aldi, as part of its earnings. But it excludes superstores such as Walmart and Target, warehouse clubs such as Costco and Sam's Club, convenience stores, drugstores, and meal kit services. Supermarkets outside the U.S. are also a no-go.<\/p>\n<p dir=\"ltr\">Online grocery orders placed directly with a supermarket's own site or app generally code as supermarket purchases, but grocery delivery through a third-party app most likely won't.<\/p>\n<p dir=\"ltr\"><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-card-for-groceries\/\">The 7 Best Credit Cards for Grocery Shopping in 2026 \u2014 From Cash Back to Transferable Points<\/a><\/strong><\/p>\n<h3 dir=\"ltr\"><span id=\"US_gas_stations\">U.S. gas stations<\/span><\/h3>\n<p dir=\"ltr\">The merchant's primary business has to be selling fuel, so stations like Exxon, Shell, and Chevron qualify. However, gas you buy at Costco, Sam's Club, Walmart, or a supermarket fuel center won't earn bonus rewards. Electric vehicle charging typically doesn't count, either.<\/p>\n<h3 dir=\"ltr\"><span id=\"US_online_retail_purchases\">U.S. online retail purchases<\/span><\/h3>\n<p dir=\"ltr\">This is the Blue Cash Everyday&#8216;s signature category, and it's also the most restrictive. The purchase has to be made online with a U.S. retail merchant that sells physical goods. Amex's list of qualifying merchant types covers apparel, footwear, electronics, department stores, drugstores, furniture, home goods, auto supply, bookstores, pet stores, sporting goods, and major retailers.<\/p>\n<p dir=\"ltr\">But not everything you buy online qualifies. Airfare, hotels, event tickets, rideshare, food delivery, streaming subscriptions, and digital services are excluded. And if you order something online but pay for it in-store, that won't count, either.<\/p>\n<h3 dir=\"ltr\"><span id=\"Transit\">Transit<\/span><\/h3>\n<p dir=\"ltr\">Available only on the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a>, transit covers taxis, rideshare services like Uber and Lyft, parking, tolls, trains, subways, buses, and ferries. Airfare, rental cars, and cruise fares are excluded, as are Uber Eats and other food delivery charges billed through a rideshare app.<\/p>\n<h3 dir=\"ltr\"><span id=\"Select_US_streaming_subscriptions\">Select U.S. streaming subscriptions<\/span><\/h3>\n<p dir=\"ltr\">Amex maintains a published list of eligible services. The list currently includes Netflix, Disney+, Hulu, ESPN+, HBO Max, Peacock, Paramount+, Apple TV+, Apple Music, Spotify, Pandora, SiriusXM, Audible, YouTube Premium, YouTube TV, Sling TV, and Fubo, among others.<\/p>\n<p dir=\"ltr\">Amazon Prime memberships do not qualify, and neither do subscriptions bundled into a wireless bill. The streaming service or an eligible U.S. site must bill the subscription.<\/p>\n<h2><span id=\"Each_Card_Offers_Monthly_Statement_Credits_to_Select_Merchants_and_Services\">Each Card Offers Monthly Statement Credits to Select Merchants and Services<\/span><\/h2>\n<p dir=\"ltr\">Both cards offer statement credits that can add to their value. But you'll need to enroll first, and there are a few restrictions.<\/p>\n<h3 dir=\"ltr\"><span id=\"Blue_Cash_Everyday\">Blue Cash Everyday<\/span><\/h3>\n<p dir=\"ltr\"><a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> cardholders get two credits: $180 annually in Home Chef credits ($15 per month) and up to $84 in Disney streaming credits ($7 per month).<\/p>\n<p dir=\"ltr\">The Home Chef credit only works on eligible meal kit subscriptions made directly through Home Chef. And considering a meal kit delivery can easily cost $50 or more, that $15 credit might not go as far as you'd hope.<\/p>\n<p dir=\"ltr\">The Disney credit applies to eligible Disney+, Hulu, or ESPN subscriptions or bundles billed directly through participating U.S. websites.<\/p>\n<h3 dir=\"ltr\"><span id=\"Blue_Cash_Preferred\">Blue Cash Preferred<\/span><\/h3>\n<p dir=\"ltr\"><a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> cardholders get a larger Disney streaming credit of up to $120 annually ($10 per month), with the same restrictions as the Everyday card. However, it doesn't offer a Home Chef credit.<\/p>\n<h2 dir=\"ltr\"><span id=\"Shared_Limitations_and_Redemptions\">Shared Limitations and Redemptions<\/span><\/h2>\n<p dir=\"ltr\">Both cards earn bonus cash back only on eligible U.S. purchases and charge a 2.7% foreign transaction fee, so neither is a great choice for international travel.<\/p>\n<p dir=\"ltr\">Both also earn Reward Dollars rather than Membership Rewards points. You can redeem these for statement credits or use them at Amazon.com checkout, with no minimum redemption amount. The Blue Cash Everyday also lets you deposit rewards into an eligible American Express High Yield Savings Account.<\/p>\n<p dir=\"ltr\">Rewards don't expire as long as your account remains open and in good standing.<\/p>\n<p dir=\"ltr\">As for <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-credit-card-for-travel\/\" rel=\"noopener\">travel protections<\/a>, neither card offers trip delay, trip cancellation, or baggage insurance. Both offer secondary rental car coverage, though.<\/p>\n<h3 dir=\"ltr\"><span id=\"Realistic_value_on_the_Blue_Cash_credits\">Realistic value on the Blue Cash credits<\/span><\/h3>\n<p dir=\"ltr\">On paper, the Everyday offers up to $264 in annual credits, compared to $120 on the Preferred. But there's a catch.<\/p>\n<p dir=\"ltr\">If you already pay for eligible Disney streaming services, the Preferred's larger credit is probably more useful. The Everyday only pulls ahead if you're also using Home Chef regularly. Otherwise, that extra $180 in credits won't do you much good.<\/p>\n<p dir=\"ltr\">Winner: Blue Cash Preferred for most households, but the Blue Cash Everyday if you're already a Home Chef customer.<\/p>\n<h3><span id=\"Earning_rate_example\">Earning rate example<\/span><\/h3>\n<p dir=\"ltr\">Your spending patterns will ultimately determine whether the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> is worth the annual fee.<\/p>\n<p dir=\"ltr\">Let's say that each month you spend:<\/p>\n<ul>\n<li dir=\"ltr\">$300 on groceries<\/li>\n<li dir=\"ltr\">$150 on gas<\/li>\n<li dir=\"ltr\">$50 on transit<\/li>\n<li dir=\"ltr\">$100 on streaming services<\/li>\n<li dir=\"ltr\">$200 on online purchases<\/li>\n<\/ul>\n<p>That adds up to $800 per month, or $9,600 per year.<\/p>\n<p dir=\"ltr\">With that spending, you'd get $504 in annual value from the Preferred, compared to $336 from the Everyday. And even after the Preferred's $95 annual fee kicks in during year two, you'd still come out $73 ahead.<\/p>\n<p dir=\"ltr\">Of course, that doesn't account for the Everyday's Home Chef credit. If you're already using Home Chef, those savings could easily tip the scales in its favor.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-cards-for-bonus-spending-categories\/\" rel=\"noopener\">The Best Rewards Credit Cards for Each Spending Category<\/a><\/strong><\/p>\n<h2><span id=\"Introductory_0_APR_Offers\">Introductory 0% APR Offers<\/span><\/h2>\n<p>While the goal is always to pay your card off in full every month, an introductory 0% APR on purchases is a great fallback option to finance larger purchases over the short term. Fortunately, both Blue Cash cards offer this benefit.<\/p>\n<p>The <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> offers an intro APR of 0% on purchases and balance transfers for 15 months from the date of account opening. After that, a Variable APR of 19.74% - 28.74% applies. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), while the <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> offers 12 months. After that, a Variable APR of 19.74% - 28.74% applies.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">The Best Credit Cards With No Annual Fee and 0% Introductory APR<\/a><\/strong><\/p>\n<h2><span id=\"Balance_Transfer_Offers\">Balance Transfer Offers<\/span><\/h2>\n<p>Both cards also offer introductory 0% APR periods on balance transfers:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a>:<\/strong> an intro rate of 0% on balance transfers for 15 months, then a Variable APR of 19.74% - 28.74%. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater  (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<li><strong><a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a>:<\/strong> an intro rate of 0% on balance transfers for 12 months, then a Variable APR of 19.74% - 28.74%. Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.  (<a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<p>If transferring balances from high-interest cards to one of these 0% offers makes sense, it's a solid card option. However, compared to <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">the best balance transfer cards<\/a>, you may end up paying a significant upfront fee due to the balance transfer fee  (<a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<h2><span id=\"Our_Take\">Our Take<\/span><\/h2>\n<p>The <a data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Everyday<\/a> and <a data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Cash Preferred<\/a> cards each offer impressive value \u2014 but for different kinds of spenders.<\/p>\n<p>If you want to avoid an annual fee while earning solid rewards on gas, groceries, and online shopping, the Blue Cash Everyday card is a no-brainer.<\/p>\n<p>But if your spending aligns with the higher-earning categories on the Blue Cash Preferred card \u2014 like streaming, transit, and higher grocery bills \u2014 it could easily justify its $95 annual fee after year one.<\/p>\n<p>Either way, for those who like the simplicity of a cash-back card, both options are excellent tools for earning money back on your daily essentials.<\/p>\n<div class=\"qs-card\" data-id=\"4028086\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/07\/BlueCashEveryday-CardArt-e1657816483860.png\" alt=\"Blue Cash Everyday\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Everyday\u00ae Card from American Express' data-ccid=\"4028086\" href=\"\/blog\/link\/CR-BlueCashEverydayCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028086\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-everyday-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Everyday<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Everyday is a solid, no-annual-fee cashback card for anyone who spends a lot on groceries and gas. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $200 cash back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li><li>No Annual Fee.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.<\/li><li>Plan It&#xAE; makes it easy to split up large purchases into equal monthly payments with a fixed fee, plus you still earn rewards the way you usually do! Here's how: Select a purchase of $100 or more in your online account or the American Express&#xAE; App. Choose from up to 3 plan duration options. Review and confirm.<\/li><li>Earn 3% Cash Back on Groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). 3% Cash Back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%) 3% Cash Back on Gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%) Cash back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li><li>With the $84 Disney Streaming Credit, you can earn up to $7 back per month as a statement credit when you use your enrolled Blue Cash Everyday&#xAE; Card from American Express Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, with no minimum purchase requirement. Subscription is subject to auto-renewal.<\/li><li>Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>3% cash back on groceries at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back on gas at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>3% cash back with U.S. online retailers (on up to $6,000 per year in eligible purchases, then 1%)<\/li>\r\n        <li>1% back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashEveryDay\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-1007fc5e42#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div class=\"qs-card\" data-id=\"4028090\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/da0edfdc-e3f5-4c89-9af0-94cee8a7356e.jpg\" width=\"150\" alt=\"Blue Cash Preferred\u00ae Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='Blue Cash Preferred\u00ae Card from American Express' data-ccid=\"4028090\" href=\"\/blog\/link\/CR-BlueCashPreferredCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028090\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/blue-cash-preferred-credit-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or for other select options. Terms Apply.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0 intro annual fee for the first year, then $95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Blue Cash Preferred<sup>\u00ae<\/sup> Card from American Express is a cash back powerhouse for everyday spending. Key features include 6% cash back on eligible purchases at U.S. supermarkets (up to $6,000 per year, then 1%) and on select streaming subscriptions, plus 3% back on gas purchases at eligible U.S. gas stations and on eligible transit purchases. <\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li><li>$0 intro annual fee for the first year, then $95.<\/li><li>Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.<\/li><li>Plan It&#xAE;: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express&#xAE; App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.<\/li><li>Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back on gas purchases at eligible U.S. gas stations and on transit (including taxis\/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other eligible purchases. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.<\/li><li>With the $120 Disney Streaming Credit, you can earn up to $10 back per month as a statement credit when you use your enrolled Blue Cash Preferred&#xAE; Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, with no minimum purchase requirement. Subscription is subject to auto-renewal.<\/li><li>Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>6% Cash Back on select U.S. streaming subscriptions<\/li>\r\n \t<li>6% Cash Back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%)<\/li>\r\n        <li>3% Cash Back on eligible transit purchases including taxis\/rideshare, parking, tolls, trains, buses and more<\/li>\r\n \t<li>3% Cash Back on gas purchases at eligible U.S. gas stations<\/li>\r\n        <li>1% Cash Back on other eligible purchases<\/li>\r\n        <li>Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.<\/li>\r\n \t<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BlueCashPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-1007fc5e42#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Amex_Blue_Cash_Everyday_and_Blue_Cash_Preferred_at_a_Glance\">Amex Blue Cash Everyday and Blue Cash Preferred at a Glance<\/a><\/li><li><a href=\"#Each_Card_Comes_With_a_Valuable_Welcome_Offer\">Each Card Comes With a Valuable Welcome Offer<\/a><ul><li><a href=\"#Who_is_eligible_to_earn_the_welcome_bonus_on_these_Amex_cards\">Who is eligible to earn the welcome bonus on these Amex cards?<\/a><\/li><\/ul><\/li><li><a href=\"#Each_Card_Is_Optimized_to_a_Different_Kind_of_Spender\">Each Card Is Optimized to a Different Kind of Spender<\/a><ul><li><a href=\"#Blue_Cash_Everyday_earning_rates\">Blue Cash Everyday earning rates<\/a><\/li><li><a href=\"#Blue_Cash_Preferred_earning_rates\">Blue Cash Preferred earning rates<\/a><\/li><\/ul><\/li><li><a href=\"#Blue_Cash_Category_Restrictions\">Blue Cash Category Restrictions<\/a><ul><li><a href=\"#US_supermarkets\">U.S. supermarkets<\/a><\/li><li><a href=\"#US_gas_stations\">U.S. gas stations<\/a><\/li><li><a href=\"#US_online_retail_purchases\">U.S. online retail purchases<\/a><\/li><li><a href=\"#Transit\">Transit<\/a><\/li><li><a href=\"#Select_US_streaming_subscriptions\">Select U.S. streaming subscriptions<\/a><\/li><\/ul><\/li><li><a href=\"#Each_Card_Offers_Monthly_Statement_Credits_to_Select_Merchants_and_Services\">Each Card Offers Monthly Statement Credits to Select Merchants and Services<\/a><ul><li><a href=\"#Blue_Cash_Everyday\">Blue Cash Everyday<\/a><\/li><li><a href=\"#Blue_Cash_Preferred\">Blue Cash Preferred<\/a><\/li><\/ul><\/li><li><a href=\"#Shared_Limitations_and_Redemptions\">Shared Limitations and Redemptions<\/a><ul><li><a href=\"#Realistic_value_on_the_Blue_Cash_credits\">Realistic value on the Blue Cash credits<\/a><\/li><li><a href=\"#Earning_rate_example\">Earning rate example<\/a><\/li><\/ul><\/li><li><a href=\"#Introductory_0_APR_Offers\">Introductory 0% APR Offers<\/a><\/li><li><a href=\"#Balance_Transfer_Offers\">Balance Transfer Offers<\/a><\/li><li><a href=\"#Our_Take\">Our Take<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Blue Cash Everyday and Blue Cash Preferred can both be considered as best-in-class cash-back rewards cards. Cardholders can enjoy bonus earning rates on the categories they spend in most. Added benefits and balance transfer offers make these cash-back cards worth applying for.<\/p>\n","protected":false},"author":4,"featured_media":35550,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12790,36547,14753],"coauthors":[36390,36490],"class_list":["post-2008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-american-express","tag-card-comparisons","tag-cash-back"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/2008","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=2008"}],"version-history":[{"count":147,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/2008\/revisions"}],"predecessor-version":[{"id":285767,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/2008\/revisions\/285767"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/35550"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=2008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=2008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=2008"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=2008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}