Should I get the Blue Cash Preferred Card from American Express or the Business Green Rewards?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Blue Cash Preferred Card from American Express vs Business Green Rewards

Both cards cost $95/yr. The Blue Cash Preferred Card from American Express leads on streaming; the Business Green Rewards on everyday spending.

Card data as of November 13, 2026.

Credit card comparison
Overview
	Blue Cash Preferred Card from American Express American Express · $95/yr	Business Green Rewards American Express · $95/yr
Annual fee	$95 Waived first year	$95
Welcome offerCurrent public offer	$250 cash back	15,000 points
Rewards	Cash back	American Express Membership Rewards
Foreign transaction fee	2.7%	2.7%
Network	American Express	American Express
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
Grocery Stores	6%	1x
Streaming	6%	1x
Gas Stations	3%	1x
Ridesharing	3%	1x
Transit	3%	1x
Everything else	1%	1x
Statement creditsAs the issuer states them · — means none on record
Entertainment & streaming	$10 monthly Disney Bundle credit available · $10 monthly	—
Perks & access— means none on record
Hotel status & programs	Amex Travel Best Price Guarantee for hotels	—
Other perks	Amex Offers Early access to concerts and events Global Assist Hotline available 24/7 worldwide	Personalized Amex Offers Free Employee Cards Business Expense Tracking Flexible Spending Limit Pay Over Time for Flexibility
Protections & insuranceLimits where published · — means none on record
Baggage	—	Baggage Insurance Plan · up to $1,250
Rental car	Hertz Car Rental Benefits with upgrades $50,000 car rental loss and damage insurance	Car Rental Loss and Damage Insurance
Purchase & returns	$1,000 purchase protection for eligible items $300 return protection per eligible item	Purchase Protection
Extended warranty	Extended Warranty up to one year	Extended Warranty
Other protections	Zero liability protection on fraudulent charges	Global Assist® Hotline
Pros & cons
Pros	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	$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	—
	Card details	Card details

Blue Cash Preferred Card from American Express
American Express · $95/yr
Business Green Rewards
American Express · $95/yr

Overview

Annual fee: Blue Cash Preferred Card from American Express
$95
Waived first year
Business Green Rewards
$95
Welcome offerCurrent public offer: Blue Cash Preferred Card from American Express
$250 cash back
Business Green Rewards
15,000 points
Rewards: Blue Cash Preferred Card from American Express
Cash back
Business Green Rewards
American Express Membership Rewards
Foreign transaction fee: Blue Cash Preferred Card from American Express
2.7%
Business Green Rewards
2.7%
Network: Blue Cash Preferred Card from American Express
American Express
Business Green Rewards
American Express

Earn ratesPer $1 spent · points and cash back aren’t ranked against each other

Grocery Stores: Blue Cash Preferred Card from American Express
6%
Business Green Rewards
1x
Streaming: Blue Cash Preferred Card from American Express
6%
Business Green Rewards
1x
Gas Stations: Blue Cash Preferred Card from American Express
3%
Business Green Rewards
1x
Ridesharing: Blue Cash Preferred Card from American Express
3%
Business Green Rewards
1x
Transit: Blue Cash Preferred Card from American Express
3%
Business Green Rewards
1x
Everything else: Blue Cash Preferred Card from American Express
1%
Business Green Rewards
1x

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

Entertainment & streaming: Blue Cash Preferred Card from American Express
$10 monthly Disney Bundle credit available · $10 monthly
Business Green Rewards
—

Perks & access— means none on record

Hotel status & programs: Blue Cash Preferred Card from American Express
Amex Travel Best Price Guarantee for hotels
Business Green Rewards
—
Other perks: Blue Cash Preferred Card from American Express
Amex Offers
Early access to concerts and events
Global Assist Hotline available 24/7 worldwide
Business Green Rewards
Personalized Amex Offers
Free Employee Cards
Business Expense Tracking
Flexible Spending Limit
Pay Over Time for Flexibility

Protections & insuranceLimits where published · — means none on record

Baggage: Blue Cash Preferred Card from American Express
—
Business Green Rewards
Baggage Insurance Plan · up to $1,250
Rental car: Blue Cash Preferred Card from American Express
Hertz Car Rental Benefits with upgrades
$50,000 car rental loss and damage insurance
Business Green Rewards
Car Rental Loss and Damage Insurance
Purchase & returns: Blue Cash Preferred Card from American Express
$1,000 purchase protection for eligible items
$300 return protection per eligible item
Business Green Rewards
Purchase Protection
Extended warranty: Blue Cash Preferred Card from American Express
Extended Warranty up to one year
Business Green Rewards
Extended Warranty
Other protections: Blue Cash Preferred Card from American Express
Zero liability protection on fraudulent charges
Business Green Rewards
Global Assist® Hotline

Pros & cons

Pros: Blue Cash Preferred Card from American Express
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
Business Green Rewards
—
Cons: Blue Cash Preferred Card from American Express
$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
Business Green Rewards
—

Card details

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Category-by-Category Winner

The Blue Cash Preferred Card from American Express wins in 4 of 4 categories. The Business Green Rewards leads in 0. 1 more category depend on booking channel or caps.

Streaming

Blue Cash Preferred Card from American Express earns 6X vs 1X

Transit

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

Gas Stations

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

Grocery Stores

Depends: up to $6,000/yr

Blue Cash Preferred Card from American Express earns 6X when conditions are met; Business Green Rewards earns 1X (1X without restrictions)

Ridesharing

Blue Cash Preferred Card from American Express 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.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	Blue Cash Preferred Card from American Express	Business Green Rewards	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $144 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $73 Year one: $418	Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $85 Year one: $310	Business Green Rewards	Blue Cash Preferred Card from American Express
Heavy spender: $4,000/month	Rewards: $576 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $505 Year one: $850	Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $625 Year one: $850	Business Green Rewards	Close — depends on how much of the credits you use

Which Card Is Right for You?

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

+Do most of your spending at grocery stores

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Frequently Asked Questions

Which card earns more rewards, the Blue Cash Preferred Card from American Express or Business Green Rewards?: Both cards earn 1X 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 Preferred Card from American Express or the Business Green Rewards?: Both cards have the same $95/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

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.