What is Amex Blue Cash?

Blue Cash is a line of cash back credit cards offered by American Express, consisting of the Blue Cash EveryDay card and the Blue Cash Preferred card. The rewards offered by these cards are geared towards everyday spending, with large cashbacks for groceries, gas, transportation, etc. However, they differ in some key but granular criteria like cashback percentages, annual fees etc. Here’s an easy breakdown to help you decide which Blue Cash card is best for you.

	Blue Cash EveryDay	Blue Cash Preferred
Annual Fee	$0 annual fee	$95 annual fee
APR	0% APR on purchases and balance transfers for 15 months (balance transfers must be initiated in 60 days). Ongoing APR of 12.99%-23.99% depending on creditworthiness	0% APR on purchases and balance transfers for 12 months (balance transfers must be initiated in 60 days). Ongoing APR of 12.99%-23.99% depending on creditworthiness
Signup Bonus	$200 statement credit for purchases of $1,000 in the first 3 months	$300 statement credit for purchases of $1,000 in the first 3 months
Rewards Program	3% cashback on US supermarket purchases of up to $6,000 annually, after which 1% (excluding megastores like Target and wholesale like Costco) 2% cashback at standalone gas stations and select department stores 1% flat cashback on all other purchases Cashback can be redeemed through statement credit and gift cards. Minimum redemption amount of $25	6% cashback on US supermarket purchases of upto $6,000 annually, after which 1% (excluding megastores like Target and wholesale like Costco) 3% cashback at standalone gas stations, transit, and select department stores 6% cashback on select streaming services (Spotify, Hulu etc) 1% flat cashback on all other purchases Cashback can be redeemed through statement credit and gift cards. Minimum redemption amount of $25 Free cashback tracker app
Balance Transfer Fee	$5 or a 3% fee, whichever is greater	$5 or a 3% fee, whichever is greater
Other Features	Car rental insurance when you use the card to book Purchase Protection: If an item bought with the card is lost or damaged in 120 days, you can be reimbursed up to $1,000 for the purchase Access to presale tickets 24/7 customer service and Global Assist Hotline Access to Pay It Plan It, a planning tool for long term purchases	Car rental insurance when you use the card to book Purchase Protection: If an item bought with the card is lost or damaged in 120 days, you can be reimbursed up to $1,000 for the purchase Access to presale tickets 24/7 customer service and Global Assist Hotline Access to Pay It Plan It, a planning tool for long term purchases ShopRunner membership: 2-day free shipping for eligible stores Purchase Protection: For items purchased on the card, you are covered for 120 days for theft or damage Extended Warranty: For eligible items with a warranty less than 5 years, an extended warranty of two years can be added

Should I get a Blue Cash card?

If groceries are a large portion of your expenditure, getting a Blue Cash card makes sense, as it has some of the highest available cashback in the market. However, it is important to keep in mind that American Express is not as widely accepted as Visa and Mastercard and you may sometimes need to carry an extra card just in case, especially when traveling abroad.

If you are fee averse, want a simpler cashback scheme, don’t need perks, or want to make a large balance transfer, you should go with the Blue Cash EveryDay card. If you spend a lot on groceries, want a large introductory bonus and want to take advantage of many perks, the Blue Cash Preferred card is a better fit for you (keep in mind that if you spend $31 a week on groceries, the annual fee of the Blue Cash Preferred are offset). Thus, take a look at your lifestyle, and use your discretion as to which one is right for you.

What is Amex Blue Cash?

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