AllModern Mastercard vs Blue Cash Everyday Card from American Express
Both cards cost $0/yr. The AllModern Mastercard leads on grocery stores; the Blue Cash Everyday Card from American Express on gas stations.
Card data as of November 13, 2026.
AllModern MastercardCiti · No annual fee
Blue Cash Everyday Card from American ExpressAmerican Express · No annual fee
Overview
- Annual fee
- AllModern Mastercard$0Blue Cash Everyday Card from American Express$0
- Welcome offerCurrent public offer
- AllModern Mastercard$40 discountBlue Cash Everyday Card from American Express$200 cash back
- Rewards
- AllModern MastercardAllModernBlue Cash Everyday Card from American ExpressCash back
- Foreign transaction fee
- AllModern Mastercard3%Blue Cash Everyday Card from American Express2.7%Lowest
- Network
- AllModern MastercardMastercardBlue Cash Everyday Card from American ExpressAmerican Express
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Gas Stations
- AllModern Mastercard1xBlue Cash Everyday Card from American Express3%
- Grocery Stores
- AllModern Mastercard3xBlue Cash Everyday Card from American Express3%
- Online Shopping
- AllModern Mastercard2xBlue Cash Everyday Card from American Express3%
- Department Stores
- AllModern Mastercard1xBlue Cash Everyday Card from American Express2%
- Everything else
- AllModern Mastercard1xBlue Cash Everyday Card from American Express1%
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- AllModern Mastercard—Blue Cash Everyday Card from American Express
- $7/mo Disney+ · $7 monthly
- Other credits
- AllModern Mastercard
- $40 off your first order of $250+ · $40 one-time
Blue Cash Everyday Card from American Express—
Perks & access— means none on record
- Other perks
- AllModern Mastercard
- 0% financing up to 24 months on orders $199+
- Free shipping on eligible AllModern orders
Blue Cash Everyday Card from American Express- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
Protections & insuranceLimits where published · — means none on record
- Rental car
- AllModern Mastercard—Blue Cash Everyday Card from American Express
- Car Rental Loss and Damage Insurance
- Purchase & returns
- AllModern Mastercard
- Zero Liability on unauthorized transactions
Blue Cash Everyday Card from American Express- Up to $1,000 per item against damage or theft
- Other protections
- AllModern Mastercard
- 24/7 lost/stolen card assistance worldwide
Blue Cash Everyday Card from American Express- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- AllModern Mastercard—Blue Cash Everyday Card from American Express
- No annual fee with solid category rewards
- 3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
- Up to $84/year Disney Bundle credit for streaming subscriptions
- 0% intro APR for 15 months on purchases (3 months longer than Preferred)
- As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
- Cons
- AllModern Mastercard—Blue Cash Everyday Card from American Express
- 3% grocery rate is half of Blue Cash Preferred's 6%
- 2.7% foreign transaction fee makes it unsuitable for travel
- 3% rates on gas and online retail are capped at $6,000/year each
- 1% back on non-category purchases is below average
- $6,000 annual cap on grocery bonus limits heavy spenders
Category-by-Category Winner
The Blue Cash Everyday Card from American Express wins in 1 of 1 categories. The AllModern Mastercard leads in 0. 2 more categories depend on booking channel or caps.
Online Shopping
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; AllModern Mastercard earns 2X (2X without restrictions)
Gas Stations
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; AllModern Mastercard earns 1X (1X without restrictions)
Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | AllModern Mastercard | Blue Cash Everyday Card from American Express | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $236 | Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $362 | Close — depends on how much of the credits you use | Blue Cash Everyday Card from American Express |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $704 | Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $722 | AllModern Mastercard | Close — depends on how much of the credits you use |
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Frequently Asked Questions
- Which card earns more rewards, the AllModern Mastercard or Blue Cash Everyday Card from American Express?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the AllModern Mastercard or the Blue Cash Everyday Card from American Express?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.