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

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 Unlimited

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

Card data as of September 27, 2026.

Blue Cash Everyday Card from American Express

American Express

Chase Freedom Unlimited

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

As high as $200 cash back — offers vary

$200 cash back

Earn Rates

Category	Blue Cash Everyday Card from American Express	Chase Freedom Unlimited
Dining	1X	3X
Drugstores	1X	3X
Gas Stations	3X	1.5X
Grocery Stores	3X	1.5X
Online Shopping	3X	1.5X
Department Stores	2X

Benefits & Features

Network

AMEX

VISA

Key Benefits

✓Purchase protection

✓Rental car insurance

✓Travel insurance

✓Purchase protection

✓Rental car insurance

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)

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

Cons

−3% grocery rate is half of Blue Cash Preferred's 6%
2.7% foreign transaction fee makes it unsuitable for travel

Category-by-Category Winner

The Chase Freedom Unlimited wins in 4 of 5 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; Chase Freedom Unlimited earns 1.5X (1.5X without restrictions)

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1.5X

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Everyday Card from American Express earns 3X when conditions are met; Chase Freedom Unlimited earns 1.5X (1.5X 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 Unlimited earns 1.5X (1.5X without restrictions)

Travel

Chase Freedom Unlimited earns 5X vs 1X

5X via issuer travel portal

Dining

Chase Freedom Unlimited earns 3X vs 1X

Drugstores

The Bottom Line

Both scenarios favor the Chase Freedom Unlimited 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 Unlimited?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Blue Cash Everyday Card from American Express or the Chase Freedom Unlimited?: 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

Amex Blue Cash Everyday vs Amex Blue Cash Preferred Amex Blue Cash Everyday vs Amex Gold Amex Blue Cash Everyday vs Amex Green Amex Blue Cash Everyday vs Bank Of America Customized Cash

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Official issuer pages: American Express cards · Chase cards

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 Unlimited on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Blue Cash Everyday Card from American Express	Chase Freedom Unlimited	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: $373 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $373 Year one: $603	Chase Freedom Unlimited	Chase Freedom Unlimited
Heavy spender: $4,000/month	Rewards: $480 Credits (our usable estimate): $42 − Annual fee ($0) Ongoing: $522 Year one: $522	Rewards: $1,490 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,490 Year one: $1,720	Chase Freedom Unlimited	Chase Freedom Unlimited

Blue Cash Everyday Card from American Express vs Chase Freedom Unlimited

Blue Cash Everyday Card from American Express

Chase Freedom Unlimited

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Year One vs Ongoing Value

Which Card Is Right for You?