Amex Blue Cash Preferred vs. Everyday: Why We Recommend Preferred

card_name and card_name are popular options in American Express’s arsenal of cash back credit cards. Both offer generous cash-back rewards on everyday spending, such as grocery and gas station purchases.

You won’t ever pay an annual fee with card_name (Rates & Fees). For card_name, the annual fee is annual_fees (Rates & Fees). Still, it has a higher welcome offer, and you can earn more cash back, making the card_name our top pick.

How the cards stack up

Take a look at this side-by-side comparison of both cards:

Welcome offer

card_name cardholders . With card_name, you’ll .

The card_name offers more upfront, but you’ll need to spend roughly $500 monthly. If this seems like a stretch, you could be better off with the card_name, as you’ll only need to spend $333 per month to get the welcome offer.

Welcome offer Winner: card_name

Rewards

In terms of earning potential, card_name also takes the top spot. Cardholders earn 6% cash back at U.s> supermarkets (capped at $6,000 per year), 6% on select streaming subscriptions, 3% on U.S. gas. station and transit purchases, and 1% on all eligible purchases. Terms Apply.

card_name offers 3% cash back on groceries, U.S. online retail purchases and purchases on gas at U.S. gas stations. Once you spend $6,000 in each category, the cash back earnings drop to 1% on all eligible purchases. Terms Apply.

Rewards Winner: card_name

Annual fee

Cardholders enjoy a annual_fees annual fee for the first year with card_name (Rates & Fees). However, this perk is short-lived. With card_name, you won’t ever pay an annual fee (Rates & Fees).

card_name could still be the better choice here. The annual fee after the first year breaks down to about $7.92 per month. If you enroll for The Disney Plus bundle or Equinox+ home workout program, the statement credits could easily cover the cost.

Annual Fee winner: card_name

APR

The APR range is identical on both cards—. However, you’ll get a different introductory APR period for purchases and balance transfers. It’s for card_name (Rates & Fees) and for card_name (Rates & Fees), making the latter the winner of this category.

APR winner: card_name

Foreign transaction fee

Both cards come with a foreign transaction fee of (Rates & Fees; Rates & Fees).

Foreign transaction fee winner: Tie

Additional perks

Cardholders receive significant added perks with either option, so it’s hard to identify a clear winner. Both cards offer:

• $7 monthly Disney Bundle credit. Enrollment Required.
• Car rental loss and damage insurance
• Emergency global travel assistance
• Exclusive access to American Express experiences
• Purchase protections
• Terms Apply.

With card_name, you’ll also get a $10 statement credit each month when you use your card to pay for the Equinox+ membership. Or you can unleash your inner chef and purchase meal solutions from HomeChef.com to get a monthly statement credit of up to $15. Terms Apply.

Additional perks: Tie

Which card earns the most

Although you’ll pay an annual fee after the first year for card_name, your earning potential outweighs the cost. To illustrate, here’s what you earn in each category by spending $500:

Our pick

Why we recommend card_name

If you find yourself in the grocery store often, you can rake in cash back with card_name. Monthly spending of $500 per month equates to $360. Plus, you’ll earn 1% for supermarket purchases once you’ve spent $6,000 on the card.

Regarding the annual fee, the added perks and cash-back bonus categories make it easy for the card to pay for itself. And if you commute to and from work, the fuel or transit costs you incur mean even more cash back for you.

Why you would still opt for card_name

card_name is the better choice if you prefer a cash-back reward without an annual fee. It’s also ideal if your spending is on the lower end and you won’t quite reach the $6,000 threshold needed to maximize the 6% cash back bonus that comes with the card_name.

Bottom line

The card_name and card_name are both solid options for low-cost cash-back rewards credit cards. However, the card_name has the better welcome offer and can earn you the most if you’re able to capitalize on the 6% cash back. Be sure to analyze your spending patterns to determine which card is best for you.

For rates and fees of the card_name, please visit this URL.

For rates and fees of the card_name, please visit this URL.

Frequently asked questions (FAQs)

Can I have both card_name and card_name?

It’s possible to have both cards at once. You’ll generally need good or excellent credit to qualify. Remember that you could be denied credit if you’ve recently applied for several other cards.

What are alternative cash-back credit cards?

Other cash-back credit cards worth considering include , and the .