Which card earns more rewards, the Blue Cash Everyday Card from American Express or Chase Freedom Flex?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the Blue Cash Everyday Card from American Express have that the Chase Freedom Flex doesn't?

The Blue Cash Everyday Card from American Express focuses on earn rates, while the Chase Freedom Flex offers dining credits.

Should I get the Blue Cash Everyday Card from American Express or the Chase Freedom Flex?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Blue Cash Everyday Card from American Express vs Chase Freedom Flex

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express leads on gas stations; the Chase Freedom Flex on rotating quarterly.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Blue Cash Everyday Card from American Express American Express · No annual fee	Chase Freedom Flex Chase · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	As high as $200 cash back — offers vary	$250 cash back
Rewards	Cash back	Cash back
Foreign transaction fee	2.7%	None Lowest
Network	American Express	Mastercard World Elite
Earn ratesPer $1 spent
Rotating Quarterly	1%	5% Highest
Dining	1%	3% Highest
Drugstores	1%	3% Highest
Gas Stations	3% Highest	1%
Grocery Stores	3% Highest	1%
Online Shopping	3% Highest	1%
Department Stores	2% Highest	1%
Everything else	1%	1%
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	—	DoorDash DashPass DoorDash DashPass · $60 one-time
Entertainment & streaming	$7/mo Disney+ · $7 monthly	—
Perks & access— means none on record
Other perks	Amex Offers Early access to concerts and events 24/7 global travel assistance	No foreign transaction fees on purchases worldwide 24/7 roadside assistance for towing and emergencies 24/7 travel assistance anywhere in the world
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Up to $6,000 trip cancellation and interruption coverage
Rental car	Car Rental Loss and Damage Insurance	Secondary rental coverage when you skip the counter option
Purchase & returns	Up to $1,000 per item against damage or theft	24/7 fraud monitoring Credit Journey Up to $500 protection for damaged or stolen purchases
Extended warranty	—	Add an extra year to manufacturer warranties
Other protections	Zero liability protection on fraudulent charges	24/7 lost/stolen card assistance worldwide
Pros & cons
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)	5% on rotating categories up to $1,500/quarter when activated 3% on dining and drugstores with no annual cap 5X on Chase Travel portal purchases $0 annual fee with Mastercard World Elite benefits No foreign transaction fees (new for 2026)
Cons	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	Must activate quarterly categories or miss 5% bonus $1,500 quarterly cap on 5% categories ($300 max bonus/quarter) Points worth only 1 cent without Sapphire card pairing Welcome bonus lower than Sapphire cards
	Card details	Card details

Blue Cash Everyday Card from American Express
American Express · No annual fee
Chase Freedom Flex
Chase · No annual fee

Overview

Annual fee: Blue Cash Everyday Card from American Express
$0
Chase Freedom Flex
$0
Welcome offerCurrent public offer: Blue Cash Everyday Card from American Express
As high as $200 cash back — offers vary
Chase Freedom Flex
$250 cash back
Rewards: Blue Cash Everyday Card from American Express
Cash back
Chase Freedom Flex
Cash back
Foreign transaction fee: Blue Cash Everyday Card from American Express
2.7%
Chase Freedom Flex
None
Lowest
Network: Blue Cash Everyday Card from American Express
American Express
Chase Freedom Flex
Mastercard World Elite

Earn ratesPer $1 spent

Rotating Quarterly: Blue Cash Everyday Card from American Express
1%
Chase Freedom Flex
5%
Highest
Dining: Blue Cash Everyday Card from American Express
1%
Chase Freedom Flex
3%
Highest
Drugstores: Blue Cash Everyday Card from American Express
1%
Chase Freedom Flex
3%
Highest
Gas Stations: Blue Cash Everyday Card from American Express
3%
Highest
Chase Freedom Flex
1%
Grocery Stores: Blue Cash Everyday Card from American Express
3%
Highest
Chase Freedom Flex
1%
Online Shopping: Blue Cash Everyday Card from American Express
3%
Highest
Chase Freedom Flex
1%
Department Stores: Blue Cash Everyday Card from American Express
2%
Highest
Chase Freedom Flex
1%
Everything else: Blue Cash Everyday Card from American Express
1%
Chase Freedom Flex
1%

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: Blue Cash Everyday Card from American Express
—
Chase Freedom Flex
DoorDash DashPass
DoorDash DashPass · $60 one-time
Entertainment & streaming: Blue Cash Everyday Card from American Express
$7/mo Disney+ · $7 monthly
Chase Freedom Flex
—

Perks & access— means none on record

Other perks: Blue Cash Everyday Card from American Express
Amex Offers
Early access to concerts and events
24/7 global travel assistance
Chase Freedom Flex
No foreign transaction fees on purchases worldwide
24/7 roadside assistance for towing and emergencies
24/7 travel assistance anywhere in the world

Protections & insuranceLimits where published · — means none on record

Trip insurance: Blue Cash Everyday Card from American Express
—
Chase Freedom Flex
Up to $6,000 trip cancellation and interruption coverage
Rental car: Blue Cash Everyday Card from American Express
Car Rental Loss and Damage Insurance
Chase Freedom Flex
Secondary rental coverage when you skip the counter option
Purchase & returns: Blue Cash Everyday Card from American Express
Up to $1,000 per item against damage or theft
Chase Freedom Flex
24/7 fraud monitoring
Credit Journey
Up to $500 protection for damaged or stolen purchases
Extended warranty: Blue Cash Everyday Card from American Express
—
Chase Freedom Flex
Add an extra year to manufacturer warranties
Other protections: Blue Cash Everyday Card from American Express
Zero liability protection on fraudulent charges
Chase Freedom Flex
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: 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)
Chase Freedom Flex
5% on rotating categories up to $1,500/quarter when activated
3% on dining and drugstores with no annual cap
5X on Chase Travel portal purchases
$0 annual fee with Mastercard World Elite benefits
No foreign transaction fees (new for 2026)
Cons: 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
Chase Freedom Flex
Must activate quarterly categories or miss 5% bonus
$1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
Points worth only 1 cent without Sapphire card pairing
Welcome bonus lower than Sapphire cards

Card details

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Category-by-Category Winner

The Chase Freedom Flex wins in 2 of 3 categories. The Blue Cash Everyday Card from American Express leads in 1. 5 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; Chase Freedom Flex earns 1X (1X without restrictions)

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; Chase Freedom Flex 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; Chase Freedom Flex earns 1X (1X without restrictions)

Rotating Quarterly

Depends: up to $1,500/quarter; Must activate each quarter before deadline

Chase Freedom Flex earns 5X when conditions are met; Blue Cash Everyday Card from American Express earns 1X (1X without restrictions)

Travel

Depends: via issuer travel portal

Chase Freedom Flex earns 5X when conditions are met; Blue Cash Everyday Card from American Express earns 1X (1X without restrictions)

Dining

Chase Freedom Flex earns 3X vs 1X

Drugstores

Chase Freedom Flex earns 3X 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.

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Blue Cash Everyday Card from American Express	Chase Freedom Flex	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $120 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $162 Year one: $162	Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $581	Chase Freedom Flex	Chase Freedom Flex
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522	Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,423	Chase Freedom Flex	Chase Freedom Flex

Which Card Is Right for You?

Get the Blue Cash Everyday Card from American Express if you:

+Do most of your spending at grocery stores

Get the Chase Freedom Flex if you:

+Spend $300+/month on restaurants and dining out

The Bottom Line

Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express or Chase Freedom Flex?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Blue Cash Everyday Card from American Express have that the Chase Freedom Flex doesn't?: The Blue Cash Everyday Card from American Express focuses on earn rates, while the Chase Freedom Flex offers dining credits.
Should I get the Blue Cash Everyday Card from American Express or the Chase Freedom Flex?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: American Express cards · Chase cards

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.