\n<\/p>\n
The Blue Cash Everyday\u00ae Card from American Express and the Blue Cash Preferred\u00ae Card from American Express both offer solid rewards on everyday purchases and some excellent new-cardholder incentives.<\/p>\n
But depending on how you spend your money, one may have a clear edge over the other. Here’s what you need to know about both cards to help you determine which one is right for you.<\/p>\n
The Amex Blue Cash Everyday has a $0 annual fee. Compare that to the Amex Blue Cash Preferred, which has a $0 annual fee for the first year, after which it will cost $95 annually.<\/p>\n
If you want to avoid an annual membership fee for the long-term, the Amex Blue Cash Everyday is the better option.<\/p>\n
Let\u2019s break down the Amex Blue Cash Everyday and Blue Cash Preferred welcome offers:<\/p>\n
Welcome offer<\/p>\n
Earn as high as $200 cash back after spending $2,000 within 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 at amazon.com checkout)<\/p>\n<\/li>\n<\/ul><\/div>\n
Welcome offer<\/p>\n
Earn as high as $300 cash back after spending $3,000 within 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 at amazon.com checkout)<\/p>\n<\/li>\n<\/ul><\/div>\n
For overall earnings, the Blue Cash Preferred is the better option. It requires more spending to earn its welcome bonus, but six months of everyday purchases is likely more than enough time for many people to spend the minimum amount.<\/p>\n
These cards have similar spending categories but vastly different earning potential. Here are the cash-back rewards rates for the Amex Blue Cash Everyday and Blue Cash Preferred:<\/p>\n
The Blue Cash Preferred is generally the more rewarding option because of its higher cash-back rates. Although the available bonus categories on both cards are slightly different, the Blue Cash Preferred likely still has better earning potential for most people.<\/p>\n
Both cards offer the same redemption options: You can trade in your rewards for a statement credit or at Amazon.com checkout.<\/p>\n
If you\u2019re interested in a 0% intro APR offer on purchases or balance transfers, you\u2019re in luck \u2014 both the Amex Blue Cash Everyday and Blue Cash Preferred have them. Here\u2019s how they stack up against each other:<\/p>\n
Introductory Purchases APR<\/p>\n
0% on purchases for 15 months<\/p>\n<\/li>\n
Ongoing Purchases APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
Introductory Balance Transfer APR<\/p>\n
0% on balance transfers for 15 months<\/p>\n<\/li>\n
Ongoing Balance Transfer APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n<\/ul><\/div>\n
Introductory Purchases APR<\/p>\n
0% on purchases for 12 months<\/p>\n<\/li>\n
Ongoing Purchases APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n
Introductory Balance Transfer APR<\/p>\n
0% on balance transfers for 12 months<\/p>\n<\/li>\n
Ongoing Balance Transfer APR<\/p>\n
19.49%-28.49% Variable<\/p>\n<\/li>\n<\/ul><\/div>\n
See also: <\/em><\/strong>Is it possible to get 0% APR on an existing credit card?<\/em><\/strong><\/p>\n The offers are nearly identical at first glance, but a second pass shows they differ in their offer period lengths. The Amex Blue Cash Everyday offers last 15 months (compared to 12 on the Blue Cash Preferred), giving you additional time to avoid interest charges on eligible purchases or qualifying balance transfers.<\/p>\n Benefits<\/p>\n Benefits<\/p>\n The main difference is that the Blue Cash Preferred has return protection and extended warranty coverage, which could be useful to most potential cardholders.<\/p>\n The American Express Blue Cash Everyday Card could be worth considering if you spend less than $500 monthly on average in its bonus rewards categories. It could also be worthwhile if you already have Disney Bundle or could get good use out of it after enrolling.<\/p>\n Something further to consider is that this is a better card for online shopping, as the Amex Blue Cash Preferred doesn\u2019t have a bonus category for U.S. online retail purchases.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $200 cash back after spending $2,000 within 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 at amazon.com checkout)<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 15 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 15 months<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent, Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n While the American Express Blue Cash Preferred Card offers great rewards on several spending categories, you could make a case for applying with eligible grocery spending alone.<\/p>\n More specifically, if you spend $6,000 yearly at U.S. supermarkets, you’ll earn $360 in cash back on those purchases \u2014 that\u2019s $180 more than what you’d get with the Blue Cash Everyday and almost double the Blue Cash Preferred’s annual fee.<\/p>\n The card is also beneficial if you spend a lot on U.S. streaming subscriptions or commute by public transit or car.<\/p>\n Annual fee<\/p>\n $0 intro annual fee for the first year, then $95.<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn as high as $300 cash back after spending $3,000 within 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 at amazon.com checkout)<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% on purchases for 12 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% on balance transfers for 12 months<\/p>\n<\/li>\n Ongoing Balance Transfer APR<\/p>\n 19.49%-28.49% Variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent,Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n With multiple overlapping bonus rewards categories and benefits, applying for the Blue Cash Everyday and the Blue Cash Preferred doesn’t make much sense.<\/p>\n Instead, you’d likely want to pair either card with another cash-back credit card that offers a higher base rewards rate or different bonus categories that align with your spending habits. That way, you can ensure you consistently earn more than 1% back on your everyday spending.<\/p>\n If the Amex Blue Cash Everyday Card and Blue Cash Preferred Card aren\u2019t the right fit for reaching your personal finance goals, consider these other card offers.<\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a $250 bonus after you spend $500 on purchases in the first 3 months from account opening<\/p>\n<\/li>\n Introductory Purchases APR<\/p>\n 0% Intro APR on Purchases for 15 months<\/p>\n<\/li>\n Ongoing Purchases APR<\/p>\n 18.24% – 27.74% Variable<\/p>\n<\/li>\n Introductory Balance Transfer APR<\/p>\n 0% Intro APR on Balance Transfers for 15 months<\/p>\n<\/li>\n Recommended credit score<\/p>\n Excellent\/Good<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it: <\/strong>The Freedom Unlimited has no annual fee and provides a higher base earning rate than either of the Amex Blue Cash cards. The rewards you earn have flexible redemption options, including travel, cash back, and gift cards. You can also take advantage of the generous intro APR offer.<\/p>\n Read our full Chase Freedom Unlimited review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $0<\/p>\n<\/li>\n Welcome offer<\/p>\n Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening<\/p>\n<\/li>\n Purchase APR<\/p>\n 18.49% – 28.49% variable<\/p>\n<\/li>\n Introductory APR<\/p>\n 0% intro APR on purchases and balance transfers for 12 months, then variable 18.49% – 28.49% APR<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it:<\/strong> The Capital One Savor is one of the best cash-back credit cards for earning rewards on everyday purchases. Its bonus categories match many that the Blue Cash cards offer, but there\u2019s no spending cap, so you can earn unlimited elevated rewards.<\/p>\n Read our full Capital One Savor Cash Rewards review<\/em><\/strong><\/p>\n Annual fee<\/p>\n $95<\/p>\n<\/li>\n Welcome offer<\/p>\n Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel<\/p>\n<\/li>\n Purchase APR<\/p>\n 19.49% – 28.49% variable<\/p>\n<\/li>\n Recommended credit score<\/p>\n Good, Excellent<\/p>\n<\/li>\n<\/ul>\n Rewards rate<\/p>\n Benefits<\/p>\n Why we like it:<\/strong> Consider the Capital One Venture Rewards if you prefer earning travel rewards on everyday purchases. With its high base rewards rate, you can quickly rack up miles on any type of eligible purchase, including groceries, gas, dining, streaming services, travel, rideshares, and more. As a travel credit card, the Venture Rewards doesn\u2019t charge foreign transaction fees.<\/p>\n Read our full Capital One Venture Rewards review<\/em><\/strong><\/p>\n This article was edited by <\/em>Alicia Hahn<\/em><\/p>\n Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n
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