Amex Blue Cash Preferred vs Blue Cash Everyday [Which Card Is Better?]

It’s not everyday you see two credit cards from the same issuer go head to head. But that is what we have here with the Blue Cash Preferred® vs the Blue Cash Everyday® Card from American Express. Both of these cards are technically related and for reference you can say one is the older sibling to the other. While both offer great rewards and benefits, it all comes down to you and what you are looking for from a cash back credit card to get the most out of it. So let’s go ahead and get down to it to see who comes out on top between the Blue Cash Preferred vs Blue Cash Everyday cards from Amex and see which is the better choice for you.

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Get straight to the good stuff. Visit our Best Cash Back Credit Cards Of the Year page to get the up-to-date current offer for these cards and compare them side by side.

 

Blue Cash Preferred® Card from American Express

Key Features

  • Great welcome bonus opportunity
  • One of the highest cash back rewards rates in the industry in certain spend categories (spending cap may apply)
  • Industry standard base cash back rewards on everything else that you buy
  • Annual credit for certain purchases made throughout the year
  • Annual fee on par with other cards in this tier (may be waived your first calendar year)
  • And more
  • Check out our Top Cash Back Credit Cards Page for more details and the current up-to-date offer

 

Let’s start out with what would be the older sibling of these two cards. This is mainly because of the elevated level of cash back you can earn with it. There are several bonus categories where your cash back takes a big jump from the base level. The highest cash back bonus level is actually on of the highest in the industry for a cash back credit card. And this includes categories such as U.S. supermarkets, U.S. gas stations, some transportation purchases, and more. Although you do need to read the current offer carefully because while there is great cash back earning potential in these categories, there is a cap on how much you can earn before it returns to the base cash back level. After that there are other categories that earn a little less cash back but still at an elevated value compared to other cards. And after that you will earn industry standard cash back rewards on everything else you spend on. There is a welcome bonus available which is a great way to kickstart your cash back rewards, but there is also an intro annual fee that may or may not be waived for the first year depending on the current offer. Not a bad to start to the battle between the Blue Cash Preferred vs Blue Cash Everyday.

 

 

Blue Cash Everyday® Card from American Express

Key Features

  • Decent welcome bonus offer
  • Great cash back rewards in certain spend categories (there may be a cap on spend)
  • Annual credit on certain purchases
  • Intro purchase APR offer
  • No annual fee
  • And more
  • Check our Top Cash Back Credit Cards Page for the current up-to-date offer and more information

 

Now onto what would be the younger sibling of these two card, the Blue Cash Everyday Amex Card. What makes it this way is that this card comes with no annual fee. But that also comes with a lower level of bonus reward categories as well. While these categories are still great, the cash back rewards you will earn will be less than that of the Blue Cash Preferred. Even so they are still well above the base cash back levels offered in this tier of credit card. Same as with the Cash Back Preferred, take a look at the top earning cash back category (such as select grocery stores) and clarify the spending cap on it before it returns to the base cash back rate. After the bonus cash back categories you will earn an industry standard base rate for all of your other everyday purchases. Combine all this with the opportunity to earn a welcome bonus to help start your cash back earning off on the right foot. Not a bad competitor at all in the battle of the Blue Cash Preferred vs Blue Cash Everyday cards.

 

Redemption Options

While most cash back cards give you quite a few options to redeem your cash back with (gift cards, online shopping, travel purchases, etc.) both of these Blue Cash Back Cards only allow for monthly statement credits to be applied. Don’t get us wrong, it is still free money, but it would be nice to see a couple more options available. With that being said you can still go out and buy what you want and just use your cash back rewards to cover the charge.

 

Blue Cash Preferred vs Blue Cash Everyday Winner

Usually you have a credit card battle between two cards from different issuers. But comparing the two Blue Cash Cards from American Express is something that we had to do. Essentially it comes down to whether you want the elevated rewards of the Amex Blue Cash Preferred card to help outweigh the cost of the annual fee. If you don’t want to bother with an annual fee and still get a great cash back rewards rate, then the Amex Blue Cash Everyday card is a clear winner. If you do a lot of grocery spending then you can’t go wrong with either of these cards. All in all it comes down to what you are looking for and your spending habits. No credit card is perfect and rightfully so because almost every individual that uses them is different. It is about finding the right balance between what you want and what is available as far as credit card offers. And in the battle with the Blue Cash Preferred vs Blue Cash Everyday we think it is quite easy to find the right card for you.

 

Other Credit Card Alternatives

 

Citi® Double Cash Card

Key Features

  • Elevated flat cash back rate on everything that you buy
  • Intro APR offer on balance transfers
  • No annual fee
  • And more
  • Utilize our Top Cash Back Cards Page for current up-to-date offer and more detailed information.

 

Wells Fargo Active Cash® Card

Key Features

  • Great signup bonus offer
  • Above industry standard cash back rewards on everything you purchase
  • Intro APR offer on new purchases and balance transfers
  • No annual fee
  • And more
  • Utilize our Top Cash Back Cards Page for current up-to-date offer and more detailed information.

 

Capital One SavorOne Cash Rewards Credit Card

Key Features

  • Well to do sign up bonus available
  • Elevated cash back rewards in certain spend categories
  • Base level cash rewards on everything else you purchase
  • No annual fee
  • No foreign transaction fees
  • And more
  • Utilize our Top Cash Back Cards Page for current up-to-date offer and more detailed information.

 

Amex Blue Cash Preferred vs Blue Cash Everyday Conclusion

It’s not everyday that you get to compare and find out which American Express Card comes out on top. They are considered by many a great credit card issuer. But choosing between the Blue Cash Preferred and the Blue Cash Everyday is something that people in the market for a new cash back credit card will find themselves doing.

If you want to maximize your bonus rewards on eligible purchases, such as select U.S. supermarkets, then these two cards should be at the top of your list. Finding the best card for you is the most important thing. Between the welcome offer for both cards, the elevated rewards for the annual fee eligible Blue Cash Preferred Card, or the no annual fee cash rewards of the Blue Cash Everyday card, you should be able to find the card that is the better fit. Either way you are still getting a great deal.

 

Thank you for taking the time to read our article on the Blue Cash Preferred vs Blue Cash Everyday. Here at Casavvy we try to do the research for you so that you don’t have to. You can spend more time enjoy the rewards and benefits of your new card rather than comparing countless offers. If you want to compare other credit cards that are not featured in the article then feel free to take a look at our Compare Credit Cards Page for all the best options from the top issuers. Thank you again and we hope you have a great rest of your day.

 

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