Amex Blue Cash Preferred vs. Blue Cash Everyday

Short answer: Blue Cash Preferred beats Blue Cash Everyday on groceries by 3 percentage points, so its $95 fee pays for itself at modest grocery spending. Hand-calculated on groceries alone, the extra 3 points recover the fee at about $3,170 a year (about $264 a month), and that advantage stops growing at the $6,000 yearly cap, where it tops out at $180. We count none of either card’s Disney Bundle credit, so the Preferred’s cost is $95 and the Everyday’s is $0. The Preferred also pays 6% on select U.S. streaming and 3% on transit and at gas stations (no gas cap in our catalog); the Everyday pays 1% on streaming and transit, and its 3% on gas stops at $6,000 a year. Choose the Preferred if groceries or streaming are a large part of your spending. Choose the Everyday if you spend less than that, want a $0 fee, or shop online a lot, since it pays 3% on online retail (up to $6,000 a year) where the Preferred pays 1%. Both charge a 2.7% foreign transaction fee. The head-to-head run below solves both cards against your own spending.