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.
Both cards cost $95/yr. The Blue Cash Preferred Card from American Express leads on streaming; the Chase Sapphire Preferred Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Blue Cash Preferred Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Grocery Stores | 6X | 3X |
| Streaming | 6X | 3X |
| Dining | 1X | 3X |
| Electric Vehicle Charging | 1X | 3X |
| Gas Stations | 3X | 3X |
| Ridesharing | 3X |
Network
Key Benefits
Pros
Cons
The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Blue Cash Preferred Card from American Express leads in 3. 1 more category depend on booking channel or caps.
Streaming
Blue Cash Preferred Card from American Express earns 6X vs 3X
Transit
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; Chase Sapphire Preferred Card earns 3X (3X without restrictions)
Ridesharing
Blue Cash Preferred Card from American Express earns 3X vs 1X
Travel
Chase Sapphire Preferred Card earns 5X vs 1X
5X via Chase Travel portal
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Transit | 3X | 1X |
| Vacation Rentals | 1X | 3X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Chase Sapphire Preferred Card 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.
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Blue Cash Preferred Card from American Express | Chase Sapphire Preferred Card | 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: $410 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $424 Year one: $1,774 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $96 − Annual fee ($95) Ongoing: $577 Year one: $672 | Rewards: $1,642 Credits (our usable estimate): $109 − Annual fee ($95) Ongoing: $1,656 Year one: $3,006 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Get the Chase Sapphire Preferred Card 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.
