The Blue Cash Everyday and Preferred Cards from American Express in Review

Blue Cash from American Express covers two cards: the Everyday and Preferred cards. Both of them are cash back rewards cards which reward you for shopping for the things you use most like groceries, gasoline and clothing. It’s also a no-frills cash back card: you spend your money, you get some of it back again.

The main difference between the two cards lies in how much you get back and how much you have to pay to own the card in the first place. So how do you decide between the Everyday and the Preferred and which one is right for you? This Blue Cash Everyday and Preferred Card from American Express review will take a look at things to help you decide!

Check out the features & benefits each Blue Cash Amex card offer delivers & decide for yourself which is the best American Express Blue Cash credit card offer to get right now.

Blue Cash Everyday® Card from American Express List of Benefits

4.5 / 5 stars     

Blue Cash Preferred® Card from American Express List of Benefits

4.5 / 5 stars     

Are You Everyday or Preferred?

Of course we all want to be preferred! It could be argued that we all are preferred, but that’s a different debate. When it comes to looking at these two cards, you do have some differences to bear in mind, but first the similarities.

These cards are cash back rewards cards. Basically, you earn Reward Dollars which can be turned into statement credits. These statement credits are basically cash back, though they are applied against your credit card statement rather than a check. This means that you can pay off your card a little faster and easier though which is nice for people who otherwise have trouble with their balance. You can also redeem your cash back in the form of gift cards and merchandise which is nice if you pay off your balance every month anyway.

The main difference lies in how much cash back you can earn. With the Everyday card, you’re looking at cash back of up to 3%: 3% cash back in U.S. standalone grocery stores on the first $6,000 you spend a year (after that, it’s 1%), 2% on stand-alone gas stations and some department stores and 1% everywhere else. You don’t need to enrol or worry about rotating categories and you can start redeeming once you’ve earned $25.00 Reward Dollars which is pretty easy to do.

With the Preferred card on the other hand, you’re looking at earning upwards of 6% cash back; 6% at US supermarkets (up to $6,000 year spent, then 1%), 3% cash back in gas stations and select department stores and 1% everywhere else. But like the Everyday card, you redeem them for Reward Dollars, starting at $25.00.

The other difference is the sign-up bonus. The Everyday card gives you 100 Rewards dollars if you spend $1,000 in the first three months of owning the card. The Preferred gives you 150 for spending $1,000 in the first three months.

The Preferred gives you other perks as well such as exclusive ticket sales access and event access. Both cards also give you access to the Blue Savings program which gives you discounts at certain hotels, when renting cards, dining and booking cruises. You can also get a $250 on-board credit with the Regent Seven Seas Cruises and free breakfast at the hotel over the weekend. Both cards also give you purchase protection plans, free warranties (extended) and travel insurance.

The big difference is that the Preferred gives you the opportunity to earn far more Rewards Money than the Everyday. But you do have to pay for it….

Comparing the Costs

Here is where these two cards also differ in a very important way. The Everyday blue cash is simply cheaper to own: it has no annual fee and an introductory 0% APR on purchases for twelve months. The Preferred also has the introductory APR, but it does have an annual fee of $75.00. This is not waived in the first year, though technically your sign-up bonus can cover it for two years. If you want to make the annual fee worthwhile, you will have to make sure you use your card for daily activities; if not, you’re better off with the Everyday card so that you don’t have to worry about it.

Both of the Blue Cash cards are highly beneficial to their users. The straightforward cash back system means no more worries about how to sort things out and the card rewards you most for doing the things that you do in everyday life. The annual fee of the Preferred card may seem a tad high, but so long as you are using the card regularly, you should be able to offset it. When choosing between these two cards, it’s very important to take a look at your spending habits before you decide and choose the card that will suit you best.

You can apply for either the Blue Cash Everyday or the Blue Cash Preferred credit cards from American Express using the secure application links near the top of this blog review post. Enjoy!

The Amex Blue Cash Everyday card and the Blue Preferred card have earned a 4.5 out of 5 star review because of the really great credit card cash back rewards program these cards are giving to you when you apply online today.

4.5 / 5 stars     

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