Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Blue Cash Preferred Card from American Express $95/yr, bp rewards Visa® $0/yr. Strongest bonus categories: Blue Cash Preferred Card from American Express on streaming, bp rewards Visa® on gas stations.
Card data as of September 27, 2026.
American Express
First National Bank of Omaha
Annual Fee
Welcome Bonus
| Category | Blue Cash Preferred Card from American Express | bp rewards Visa® |
|---|---|---|
| Grocery Stores | 6X | 3X |
| Streaming |
The Blue Cash Preferred Card from American Express wins in 3 of 5 categories. The bp rewards Visa® leads in 2. 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
bp rewards Visa® earns 4X vs 3X
Grocery Stores
Depends: up to $6,000/yr
Blue Cash Preferred Card from American Express earns 6X when conditions are met; bp rewards Visa® earns 3X (3X without restrictions)
Ridesharing
Blue Cash Preferred Card from American Express earns 3X vs 1X
Dining
bp rewards Visa® earns 3X vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Blue Cash Preferred Card from American Express $95/yr, bp rewards Visa® $0/yr — a $95 difference before welcome offers and credits.
| 6X |
| 1X |
| Gas Stations | 3X | 4X |
| Dining | 1X | 3X |
| Ridesharing | 3X | 1X |
| Transit | 3X | 1X |
Network
Key Benefits
Pros
Cons
| Scenario | Blue Cash Preferred Card from American Express | bp rewards Visa® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $144 Credits (our usable estimate): $96 − Annual fee ($95) Ongoing: $145 Year one: $240 | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $228 Year one: $228 | bp rewards Visa® | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $96 − Annual fee ($95) Ongoing: $577 Year one: $672 | Rewards: $912 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $912 Year one: $912 | bp rewards Visa® | bp rewards Visa® |
The Blue Cash Preferred Card from American Express costs $95/yr — that's $95 more than the bp rewards Visa® (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Blue Cash Preferred Card from American Express needs roughly $95 more in annual rewards (or credits you will use) to break even on streaming and grocery stores and everyday spend.
Get the bp rewards Visa® if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
