The Amex EveryDay® Credit Card vs. Blue Cash Everyday® Card from American Express

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In a Nutshell

The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express might sound alike, but we think the latter offers better value.

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These offers are no longer available on our site: The Amex EveryDay® Credit Card from American Express, Citi® Double Cash Card

Don’t let their names fool you. Sure, The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express come from the same card issuer. And, sure, both emphasize everyday spending and offer attractive rewards for U.S. supermarket shopping. But look a bit closer and you’ll see that these are two different breeds of card.

A key difference between the two is the type of rewards they offer. The Amex EveryDay® Credit Card from American Express dispenses rewards in the form of Membership Rewards® points, while the Blue Cash Everyday® Card from American Express offers cash back in the form of reward dollars that can be redeemed for statement credits.

Still confused about which card to choose? Don’t worry. We dug deeper and found that the cash back from the Blue Cash Everyday® Card from American Express usually offers more value than the Membership Rewards® points from The Amex EveryDay® Credit Card from American Express. We’ll explain why in a moment, but first, let’s check out the head-to-head specs.


At a glance: The Amex EveryDay® Credit Card from American Express vs. Blue Cash Everyday® Card from American Express

The Amex EveryDay® Credit Card from American Express Blue Cash Everyday® Card from American Express
Annual fee $0 $0
 Welcome offer 10,000 Membership Rewards® points after spending $1,000 in purchases within the first 3 months $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months
 Rewards Two Membership Rewards® points per $1 at U.S. supermarkets (on up to $6,000 per year, then one point per $1); Two points per $1 on eligible travel purchases at AmexTravel.com; one point per $1 on other purchases 3% cash back at U.S. supermarkets (on up to $6,000 per year, then 1%); 2% cash back at U.S. gas stations and select U.S. department stores; 1% cash back on other purchases
 Point value Up to 1 cent depending on how you redeem them  N/A
 Variable purchase APR 0% intro APR for the first 15 months; after that, 14.74% - 25.74% 0% intro APR for the first 15 months; after that, 15.24% - 26.24%
 Extra benefits

Use card at least 20 times on purchases in a billing period and earn 20% more points on those purchases less returns and credits

Access to presale or exclusive entertainment tickets

 

 

Access to presale or exclusive entertainment tickets


  1. The winner: Why we prefer the Blue Cash Everyday® Card from American Express
  2. Counterpoint: Why you might want to consider The Amex EveryDay® Credit Card from American Express instead
  3. Heads up: Should I choose a cash back or points card?
  4. Bottom line: Is the The Amex EveryDay® Credit Card from American Express right for you?

The winner: Why we prefer the Blue Cash Everyday® Card from American Express

From our partner
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Not everybody loves math, but we do (at least when it comes to credit cards). We crunched the numbers and found that the Blue Cash Everyday® Card from American Express often adds up to a better value thanThe Amex EveryDay® Credit Card from American Express. Let’s break it down by category.

Rewards earning

The Blue Cash Everyday® Card from American Express really sets itself apart from The Amex EveryDay® Credit Card from American Express when it comes to grocery shopping.

Each Membership Rewards® point you’ll earn with The Amex EveryDay® Credit Card from American Express is worth up to 1 cent, and you’ll earn two points for each $1 you spend at eligible U.S. supermarkets (on up to $6,000 per year).

That’s pretty good, but with the Blue Cash Everyday® Card from American Express, you’ll get 3% cash back per $1 spent at eligible U.S. supermarkets (on up to $6,000 per year, then 1%).

If you factor in the 20% more points you’ll get if you use The Amex EveryDay® Credit Card from American Express 20 or more times in a billing period, the Blue Cash Everyday® Card from American Express still wins in the grocery department.

Say you spend $500 a month on groceries. With The Amex EveryDay® Credit Card from American Express, you’ll earn 1,000 Membership Rewards® plus an additional 200 with the bonus, for a total of 1,200 (up to a $12 value).

With the Blue Cash Everyday® Card from American Express, you’ll earn $15 cash back on the same spend.

Let’s look at a couple of other spending categories. At U.S. gas stations and select U.S. department stores, you’ll earn 2% cash back with purchases made with the Blue Cash Everyday® Card from American Express, which works out to 2 cents per $1 spent.

With The Amex EveryDay® Credit Card from American Express, you’ll earn one Membership Rewards® point for each $1 spent, with each point worth up to 1 cent. In this scenario, the Blue Cash Everyday® Card from American Express again emerges as the clear winner.

Welcome offer

If you compute the value of the welcome offer for The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express, the Blue Cash Everyday® Card from American Express comes out slightly ahead.

With The Amex EveryDay® Credit Card from American Express, you’ll get 10,000 Membership Rewards® points if you spend $1,000 in purchases within three months of account opening. With points valued at up to 1 cent each, that welcome offer is worth up to $100.

With the Blue Cash Everyday® Card from American Express, on the other hand, you’ll get a $150 statement credit after spending $1,000 in purchases within three months of account opening.

We’d go with the Blue Cash Everyday® Card from American Express. Remember: Membership Rewards® points are worth up to 1 cent each, depending on how you redeem them. We’d rather take the easier path and go with the $150 statement credit.

Other features

In The Amex EveryDay® Credit Card from American Express‘s favor is this: If you use the card at least 20 times on purchases during one billing period, you’ll collect 20% more points on those purchases less returns and credits.

That’s still not enough to surpass what you’ll earn with the Blue Cash Everyday® Card from American Express in categories like U.S. supermarkets, U.S. gas stations and U.S. department stores, but it may be enough if most of your spending happens outside those categories.


Counterpoint: Why you might want to consider The Amex EveryDay® Credit Card from American Express instead

From our partner

The The Amex EveryDay® Credit Card from American Express is potentially more traveler-friendly than the Blue Cash Everyday® Card from American Express, given that you can transfer points to a network of 20 airline and hotel partners.

Additionally, you’ll earn two points toward eligible travel purchases made at AmexTravel.com with The Amex EveryDay® Credit Card from American Express. No such bonus exists with the Blue Cash Everyday® Card from American Express.

So if you love to travel and don’t mind monitoring and redeeming Membership Rewards® points, The Amex EveryDay® Credit Card from American Express could be a better fit for your wallet.

Keep in mind, though, that for each conversion of points into the frequent flyer program of a U.S. airline, a fee of .0006 cent per point (up to a maximum of $99) will be charged to your The Amex EveryDay® Credit Card from American Express account.

Looking for a travel rewards card? Check out our essential guide.

Heads up: Should I choose a cash back or points card?

If you’re trying to decide whether a cash back or points card is a better fit, first review your spending habits. Then, pick the type of card that earns you the most rewards on the purchases you make the most often.

You may also want to consider how you’ll redeem those rewards. For example, do you frequently visit other cities or countries? A travel-oriented rewards card might give you a better deal when redeeming points for airfare. If you don’t travel much and you’re not inclined to put the extra legwork into redeeming points, the relative simplicity of a cash back card might be more appealing.

What are credit card points and miles really worth?

Bottom line: Is the Blue Cash Everyday® Card right for you?

As long as you spend responsibly and regularly pay your monthly balance on time, you can’t go wrong with eitherThe Amex EveryDay® Credit Card from American Express or the Blue Cash Everyday® Card from American Express.

Both are great rewards cards, and both come with no annual fee and a 0% introductory APR on purchases and balance transfers. That offer is available for the first 15 months for The Amex EveryDay® Credit Card from American Express, and for the first 15 months for the Blue Cash Everyday® Card from American Express.

(After that, it’s a 14.74% - 25.74% variable APR for The Amex EveryDay® Credit Card from American Express and a 15.24% - 26.24% variable APR for the Blue Cash Everyday® Card).

“Many people who are considering these two cards are looking for a no-fee card that will earn them rewards without having to think too much about it,” says Roman Shteyn, co-founder and CEO of RewardExpert, a service that helps people maximize credit card points.

While neither of these cards is technically “no-fee” — they each charge a late fee, cash advance fee and foreign transaction fee, for example — many cardholders appreciate the fact that they won’t automatically be charged an annual fee each year.

Blue Cash Everyday® Card from American Express is “a no-fuss, easy-to-manage card that offers solid cash back,” Shteyn adds. At the end of the day, that’s something a lot of folks can get behind.


At a glance: Other rewards cards to consider

Chase Freedom® 5% cash back (on up to $1,500 in combined purchases) in rotating bonus categories each quarter you activate (then 1%)
Citi® Double Cash Card Earn 2% cash back, (1 % cash back on all purchases and another 1% cash back as you pay off those purchases)
Chase Sapphire Preferred® Card Two points per $1 on travel and restaurant dining worldwide

Note: Rewards mentioned in the above table are not exhaustive. For more information, please refer to each rewards program’s terms and conditions.