Blue Cash Everyday Card from American Express vs Blue Cash Preferred Card from American Express

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Key Benefits

Pros

• +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)

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average