Blue Cash Everyday Card from American Express vs Marriott Bonvoy Bold Credit Card

Network

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)

• +No annual fee makes it risk-free to hold long-term
• +Automatic Silver Elite status with 10% bonus on stays and priority late checkout
• +5 Elite Night Credits annually toward status qualification
• +No foreign transaction fees
• +2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

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

• −Only Silver Elite status (Gold and Platinum provide much better benefits)
• −Low 1x earning on non-bonus purchases
• −Only 5 Elite Night Credits vs 15-25 on premium cards
• −No free night award benefit
• −No lounge access or premium travel perks