Blue Cash Preferred Card from American Express vs Chase Sapphire Preferred Card
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 November 13, 2026.
Blue Cash Preferred Card from American ExpressAmerican Express · $95/yr
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Blue Cash Preferred Card from American Express$95Waived first yearChase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Blue Cash Preferred Card from American Express$250 cash backChase Sapphire Preferred Card75,000 points
- Rewards
- Blue Cash Preferred Card from American ExpressCash backChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Blue Cash Preferred Card from American Express2.7%Chase Sapphire Preferred CardNoneLowest
- Network
- Blue Cash Preferred Card from American ExpressAmerican ExpressChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Grocery Stores
- Blue Cash Preferred Card from American Express6%Chase Sapphire Preferred Card3x
- Streaming
- Blue Cash Preferred Card from American Express6%Chase Sapphire Preferred Card3x
- Dining
- Blue Cash Preferred Card from American Express1%Chase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Blue Cash Preferred Card from American Express1%Chase Sapphire Preferred Card3x
- Gas Stations
- Blue Cash Preferred Card from American Express3%Chase Sapphire Preferred Card3x
- Ridesharing
- Blue Cash Preferred Card from American Express3%Chase Sapphire Preferred Card1x
- Transit
- Blue Cash Preferred Card from American Express3%Chase Sapphire Preferred Card1x
- Vacation Rentals
- Blue Cash Preferred Card from American Express1%Chase Sapphire Preferred Card3x
- Travel
- Blue Cash Preferred Card from American Express1%Chase Sapphire Preferred Card2x
- Everything else
- Blue Cash Preferred Card from American Express1%Chase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Blue Cash Preferred Card from American Express—Chase Sapphire Preferred Card
- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Blue Cash Preferred Card from American Express
- $10 monthly Disney Bundle credit available · $10 monthly
Chase Sapphire Preferred Card- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Hotel status & programs
- Blue Cash Preferred Card from American Express
- Amex Travel Best Price Guarantee for hotels
Chase Sapphire Preferred Card— - Other perks
- Blue Cash Preferred Card from American Express
- Amex Offers
- Early access to concerts and events
- Global Assist Hotline available 24/7 worldwide
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Blue Cash Preferred Card from American Express—Chase Sapphire Preferred Card
- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Blue Cash Preferred Card from American Express—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Blue Cash Preferred Card from American Express
- Hertz Car Rental Benefits with upgrades
- $50,000 car rental loss and damage insurance
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Blue Cash Preferred Card from American Express
- $1,000 purchase protection for eligible items
- $300 return protection per eligible item
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Blue Cash Preferred Card from American Express
- Extended Warranty up to one year
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Other protections
- Blue Cash Preferred Card from American Express
- Zero liability protection on fraudulent charges
Chase Sapphire Preferred Card- Travel and Emergency Assistance Services
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
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- 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
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 4 of 7 categories. The Blue Cash Preferred Card from American Express leads in 3. 4 more categories 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 (1X 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
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Blue Cash Preferred Card from American Express earns 1X (1X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Blue Cash Preferred Card from American Express earns 1X (1X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Blue Cash Preferred Card from American Express earns 1X (1X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card 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.
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): $24 − Annual fee ($95) Ongoing: $73 Year one: $418 | Rewards: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $24 − Annual fee ($95) Ongoing: $505 Year one: $850 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
Which Card Is Right for You?
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Blue Cash Preferred Card from American Express or Chase Sapphire Preferred Card?
- 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 Chase Sapphire Preferred Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.