Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?

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

Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?

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

Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?

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 Rakuten American Express Card

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

50 points

Earn Rates

Category	Blue Cash Everyday Card from American Express	Rakuten American Express Card
Grocery Stores	3X	2X
Online Shopping	3X	1X
Department Stores	2X	1X
Dining	1X	2X
Gas Stations	2X	1X

Benefits & Features

Network

AMEX

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

—

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

—

Category-by-Category Winner

The Blue Cash Everyday Card from American Express wins in 4 of 5 categories. The Rakuten American Express Card leads in 1.

Grocery Stores

Blue Cash Everyday Card from American Express earns 3X vs 2X

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Everyday Card from American Express earns 2X vs 1X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Dining

Rakuten American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Rakuten American Express Card if you:

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

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?: 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

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · First Electronic Bank cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

50 points

Earn Rates

Category	Blue Cash Everyday Card from American Express	Rakuten American Express Card
Grocery Stores	3X	2X
Online Shopping	3X	1X
Department Stores	2X	1X
Dining	1X	2X
Gas Stations	2X	1X

Benefits & Features

Network

AMEX

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

—

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

—

Category-by-Category Winner

The Blue Cash Everyday Card from American Express wins in 4 of 5 categories. The Rakuten American Express Card leads in 1.

Grocery Stores

Blue Cash Everyday Card from American Express earns 3X vs 2X

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Everyday Card from American Express earns 2X vs 1X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Dining

Rakuten American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Rakuten American Express Card if you:

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

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?: 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

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · First Electronic Bank cards

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

Both cards cost $0/yr. The Blue Cash Everyday Card from American Express is better for grocery stores, while the Rakuten American Express Card wins on rakuten purchases. Here's how they compare.

Blue Cash Everyday Card from American Express

American Express

Rakuten American Express Card

First Electronic Bank

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

50 points

Earn Rates

Category	Blue Cash Everyday Card from American Express	Rakuten American Express Card
Grocery Stores	3X	2X
Online Shopping	3X	1X
Department Stores	2X	1X
Dining	1X	2X
Gas Stations	2X	1X

Benefits & Features

Network

AMEX

Key Benefits

None

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)
+$200 welcome bonus after $2,000 spend in 6 months

—

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

—

Category-by-Category Winner

The Blue Cash Everyday Card from American Express wins in 4 of 5 categories. The Rakuten American Express Card leads in 1.

Grocery Stores

Blue Cash Everyday Card from American Express earns 3X vs 2X

Online Shopping

Blue Cash Everyday Card from American Express earns 3X vs 1X

Gas Stations

Blue Cash Everyday Card from American Express earns 2X vs 1X

Department Stores

Blue Cash Everyday Card from American Express earns 2X vs 1X

Dining

Rakuten American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Rakuten American Express Card if you:

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

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Everyday Card from American Express or Rakuten American Express Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Blue Cash Everyday Card from American Express or the Rakuten American Express Card?: 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

Explore More

Blue Cash Everyday Card from American Express — Full Review All American Express Cards

Rakuten American Express Card — Full Review All First Electronic Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · First Electronic Bank cards