Amex EveryDay® Credit Card vs. Blue Cash Everyday® Card from American Express: Which is best for you?
December 23, 2019
The Amex EveryDay® Credit Card and the Blue Cash Everyday® Card from American Express both offer access to credit card rewards — the first in the form of American Express Membership Rewards® points and the second in cash back.
But which card best fits your lifestyle and spending habits? Let’s take a closer look.
At a glance comparison
First up? A quick look at the critical features of each card.
|Amex EveryDay Card||American Express Blue Cash Everyday Card|
|Rewards Rates||2x Membership Rewards points at U.S. supermarkets up to $6,000 per year in purchases (1% thereafter) and 1x points on all other eligible purchases.||3% cash back on all supermarket purchases up to $6,000 per year and 1% thereafter. Cardholders also enjoy 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back on all other purchases.|
|Sign Up Bonus||$0 balance fee transfers if requested in the first 60 days after account opening, in addition to 10,000 Membership Rewards points if you make $1,000 in eligible purchase within the first three months.||$200 in cash back credited to your statement if you spend $1,000 during your first three months of card membership.|
|Authorized User Fee||None||None|
The Amex EveryDay card offers multiple benefits for cardholders, including:
Blue Cash also comes with advantages for cardholders, including:
The case for the Amex EveryDay card
The Amex EveryDay card makes it easy to collect Membership Rewards points with 2x rewards at supermarkets and for travel purchases through AmexTravel.com. These points can be transferred to partner programs or redeemed for statement credit via the Amex Rewards website for everything from new technology to clothing or event tickets.
With no annual fee and 0% introductory APR for balance transfers and purchases, the EveryDay card is a great fit if you’re an occasional traveler looking to save on airfare or hotel bookings, or if you enjoy access to a robust rewards program with a solid rewards earning rate. Where the EveryDay card may come up a bit short, however, is in bonus points earning potential. With 2x supermarket points only applicable on the first $6,000 you spend each year and no other bonus multipliers — such as gas or restaurants — accumulating points is a slow-and-steady process.
And with 0% APR for the first 15 months, you can make big purchases and wait a little longer than usual to pay them off without penalty. After this, the APR switches to a variable 14.49%-25.49%.
The case for the Amex Blue Cash Everyday card
Amex Blue Cash, meanwhile, focuses on earning cash back at varying rates across multiple purchase categories. With 3% cash back at supermarkets up to $6,000 per year, 2% at U.S. gas stations and specific department stores and 1% on all other purchases, your everyday spending offers reliable cash back rates.
In addition, the Amex Blue Cash card comes with add-on benefits like the Global Assist Hotline and car rental loss coverage, pre-sale entertainment access and fraud protection for all purchases. Unlike many cash back cards, Blue Cash has no annual fee and makes it easy to transfer existing balances from other cards with 0% transfer APR for the first 15 months. The Blue Cash Everyday card also features a variable 14.49%-25.49% APR, which is identical to that of the Amex EveryDay card.
In a nutshell
If you’re looking to earn Membership Rewards points at a steady rate — and grab 10,000 bonus points to get you started — the Amex Everyday credit card makes sense. While there’s a limit on bonus point earnings each year, you’ll always enjoy one point per dollar on every purchase. With a large selection of rewards online and the ability to transfer points to travel partners, the Everyday card is a good fit for just about anyone.
If cash back is your priority but you don’t want the hassle of annual fee, consider the Amex Blue Cash Everyday credit card. While there are upper limits to the 3% and 2% cash back bonuses, 1% cash back on all other spending makes this card a great way to earn rewards for everyday purchases.