Which has the lower annual fee, Blue Cash Everyday Card or Blue Cash Preferred Card?

Blue Cash Everyday Card has a $0 annual fee, compared to $95 for Blue Cash Preferred Card.

Which card earns more on grocery?

Blue Cash Preferred Card earns 6x on grocery, compared to 3x for the other card.

Which card comes out ahead at typical spending, Blue Cash Everyday Card or Blue Cash Preferred Card?

At $24,000 of annual spending on an everyday profile, Blue Cash Preferred Card nets about $493/yr after the annual fee, compared to $480/yr for Blue Cash Everyday Card. A different spending mix can flip this result.

Blue Cash Everyday Card vs Blue Cash Preferred Card

Side-by-side comparison of rewards, fees, and benefits

Blue Cash Everyday Card

Amex

20,000 pts bonus

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CardSavvy pick at typical spend

Blue Cash Preferred Card

Amex

35,000 pts bonus

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137 cards modeled · 18 spending categories · every verdict is a published formulaHow we rank →

Blue Cash Preferred Card comes out ahead by $13/yr at a typical $24,000/yr spending profile.

See the assumptions and math

Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.

Card	Rewards	Credits	Fee	Net/yr
Blue Cash Everyday Card	$480	$0	-$0	$480
Blue Cash Preferred Card	$588	$0	-$95	$493

Redemption Strategy

How you redeem points affects their value. Cash back is simplest, transfer partners offer the best value but require more effort.

Booking through the card issuer's travel site. Point values adjust automatically.

Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers.	Blue Cash Everyday CardAmex	Blue Cash Preferred CardAmex
Annual Fee	$0	$95
Sign-Up Bonus	20,000 pts	35,000 pts
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners).	1.0¢(Travel Portal)	1.0¢(Travel Portal)
Dining	1x	1x
Grocery	3x	6x
Flights	1x	1x
Hotels	1x	1x
Gas	3x	3x
Online Shopping	3x	1x
Everything Else	1x	1x
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food.	1x	1x
Streaming Subscriptions like Netflix, Spotify, Disney+, etc.	1x	1x
Internet Home internet and cable bills.	1x	1x
Cell Phone Cell phone bills (may incur processing fees).	1x	1x
Home Utilities Electricity, gas, water, sewer, trash.	1x	1x
Travel/Airline Credit	-	-
Est. Perks Value	-	-
Lounge Access	No	No

* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).

Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.

CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.

Quick Verdict

Both cards earn equally on travel categories.. Blue Cash Everyday Card has a lower annual fee ($0 vs $95). Your best choice depends on where you spend the most.

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