Prime Visa vs Blue Cash Everyday Card from American Express
Both cards cost $0/yr. The Prime Visa leads on gas stations; the Blue Cash Everyday Card from American Express on gas stations.
Card data as of October 12, 2026.
Prime VisaChase · No annual fee
Blue Cash Everyday Card from American ExpressAmerican Express · No annual fee
Overview
- Annual fee
- Prime Visa$0Blue Cash Everyday Card from American Express$0
- Welcome offerCurrent public offer
- Prime Visa$150 gift cardBlue Cash Everyday Card from American ExpressAs high as $200 cash back — offers vary
- Rewards
- Prime VisaCash backBlue Cash Everyday Card from American ExpressCash back
- Foreign transaction fee
- Prime VisaNoneLowestBlue Cash Everyday Card from American Express2.7%
- Network
- Prime VisaVisa SignatureBlue Cash Everyday Card from American ExpressAmerican Express
Earn ratesPer $1 spent
- Gas Stations
- Prime Visa2%Blue Cash Everyday Card from American Express3%Highest
- Grocery Stores
- Prime Visa1%Blue Cash Everyday Card from American Express3%Highest
- Online Shopping
- Prime Visa1%Blue Cash Everyday Card from American Express3%Highest
- Department Stores
- Prime Visa1%Blue Cash Everyday Card from American Express2%Highest
- Dining
- Prime Visa2%HighestBlue Cash Everyday Card from American Express1%
- Transit
- Prime Visa2%HighestBlue Cash Everyday Card from American Express1%
- Everything else
- Prime Visa1%Blue Cash Everyday Card from American Express1%
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- Prime Visa—Blue Cash Everyday Card from American Express
- $7/mo Disney+ · $7 monthly
Perks & access— means none on record
- Other perks
- Prime Visa—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
- Trip insurance
- Prime Visa
- Up to $500,000 travel accident coverage
Blue Cash Everyday Card from American Express— - Rental car
- Prime Visa—Blue Cash Everyday Card from American Express
- Car Rental Loss and Damage Insurance
- Purchase & returns
- Prime Visa
- $500 per claim on damage or theft
Blue Cash Everyday Card from American Express- Up to $1,000 per item against damage or theft
- Other protections
- Prime Visa—Blue Cash Everyday Card from American Express
- Zero liability protection on fraudulent charges
Pros & cons
- Pros
- Prime Visa
- 5% back at Amazon.com, Audible.com, Whole Foods Market and on Chase Travel with an eligible Prime membership
- 5% back on Chase Travel portal bookings with no cap
- 2% back at restaurants, gas stations, and transit - solid everyday categories
- $150 Amazon Gift Card welcome bonus with no minimum spend required
- No annual fee on the card itself (Prime membership separate)
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
- Prime Visa
- Requires an eligible Amazon Prime membership to earn 5% (3% without Prime)
- Rewards locked to Amazon ecosystem - cannot transfer to airlines/hotels
- Only 1% back on non-category purchases - below average for catch-all spending
- No premium travel protections like trip delay insurance or lounge access
- Sign-up bonus is gift card, not flexible cash or points
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 Prime Visa wins in 2 of 3 categories. The Blue Cash Everyday Card from American Express leads in 1. 3 more categories depend on booking channel or caps.
Gas Stations
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Prime Visa earns 2X (2X without restrictions)
Transit
Prime Visa earns 2X vs 1X
Dining
Prime Visa earns 2X vs 1X
Department Stores
Blue Cash Everyday Card from American Express earns 2X vs 1X
Grocery Stores
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Prime Visa earns 1X (1X without restrictions)
Online Shopping
Depends: up to $6,000/yr
Blue Cash Everyday Card from American Express earns 3X when conditions are met; Prime Visa earns 1X (1X without restrictions)
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 | Prime Visa | Blue Cash Everyday Card from American Express | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $300 | Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $162 | Close — depends on how much of the credits you use | Prime Visa |
| Heavy spender: $4,000/month | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $750 | Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522 | Prime Visa | Prime Visa |
Which Card Is Right for You?
Get the Prime Visa if you:
- +Spend $300+/month on restaurants and dining out
Get the Blue Cash Everyday Card from American Express if you:
- +Do most of your spending at grocery stores
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 Prime Visa 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 Prime Visa 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.