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

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Trying to decide between the Amex EveryDay® Credit Card from American Express and Blue Cash Everyday® Card from American Express comes down to a number of factors like the rewards rate, redemption options, welcome bonuses and the spending categories that garner more rewards. If your family racks up an expensive grocery bill each month, then both of these cards are good options to consider.

According to our analysis, the Blue Cash Everyday card just barely edges out its sister card for families. Plus, it offers more cash back rewards at U.S. gas stations and select U.S. department stores, two useful bonus categories for the average household.

However, if rewards in these categories aren’t as important to you as getting boosted rewards for travel redemption, then the Amex EveryDay card comes out on top. This card gives you the option to redeem points at higher values for certain travel spending.

Let’s take a look at other card features that could help you decide between the two.

Card details at a glance

Amex EveryDay Credit Card Blue Cash Everyday Card
Welcome bonus
  • Earn 10,000 Membership Rewards points after spending $1,000 on purchases within the first three months
  • Earn $200 back after you spend $2,000 in purchases on your new card within the first six months
  • You will receive cash back in the form of statement credits
Rewards rate
  • Earn 2X points at U.S. supermarkets (up to $6,000 per year, then 1X)
  • 2X points on eligible travel purchases booked through American Express Travel
  • 1X points on all other purchases
  • Use your card 20 or more times on purchases in a billing period and earn 20% more points on those purchases (less returns and credits)
  • Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1 percent)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on all other purchases
Annual fee $0 $0

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

Both cards offer similar perks and benefits, but there are subtle differences that could make either card better for one type of spender over the other. Below, we’ll dissect the finer points of both cards’ offerings so you can figure out which one suits your spending habits better.

Welcome bonus winner: Blue Cash Everyday Card

The Amex EveryDay card offers 10,000 Membership Rewards points if you spend $1,000 on purchases within the first three months of opening your account. These points can be worth anywhere from $50 up to $100, depending on how you choose to redeem them. Unlike many rewards cards that offer a 1:1 redemption value (1 cent per point), these points tend to lose value with many redemption options—except for travel, where points could be worth up to 2 cents per point if you transfer to an American Express travel partner.

In contrast, the Blue Cash Everyday Card offers $200 back after you spend $2,000 in purchases within the first six months of opening your account, which beats out the Amex EveryDay even if you transfer points.

Plus, since Amex recently launched preapproved offers through the CardMatch tool, some Blue Cash Everyday applicants report welcome bonus offers as high as $300.

Rewards rate winner: Blue Cash Everyday Card

The biggest difference between the Blue Cash Everyday and Amex EverDay is that the Blue Cash card earns cash back (in the form of statement credits), while the Amex EveryDay earns Membership Rewards points. Though some might see Membership Rewards points as more valuable, the Blue Cash Everyday Card still wins when you stack up rewards earnings side by side. The rewards rate is 3 percent cash back on supermarket spending versus the 2X points offered by the Amex EveryDay.

Though both have a $6,000 cap on supermarket spending, you’ll end up better off with the 3 percent cash back. The 3 percent back is pure cash back at a 1:1 ratio, while earning points with the Amex EveryDay Cash card can have much lower redemption values. Not to mention, the Blue Cash card has additional valuable bonus categories including 2 percent cash back on U.S. gas station and department store purchases.

Even though the Blue Cash Everyday Card wins for rewards, it’s important to point out that the Amex EveryDay Cash card does offer cardholders the opportunity to earn boosted rewards. If you use your card 20 or more times on purchases in a billing period, you’ll earn 20 percent more points on those purchases—less returns and credits. With this structure, you could end up earning more like 2.4X back on your spending rather than 2X.

Which card earns the most?

If you’d like to know more about your rewards potential with both cards, the best thing would be to look at a spending example. Of course, you should adjust the dollar amounts to match your particular spending habits.

Amex EveryDay Credit Card vs. Blue Cash Everyday Card from American Express spending example

American Express Membership Rewards points can be worth anywhere from 0.5 cents up to 2 cents per point, redeemable for travel, gift cards, shopping and more.

If you spend $1,500 every quarter in the Amex EveryDay 2X rewards category, you’d earn 12,000 points at the end of your first year. Spending an additional $300 each month in the 1X rewards category would add 3,600 points, totaling 15,600 earned. When you add in the 10,000 Membership Rewards Points welcome bonus offer, you’d earn a total of 25,600 points at the end of your first year, worth up to $256 in gift cards.

As for the Blue Cash Everyday, if you spend $1,500 every quarter in the 3 percent cash back category, you’d earn $180. With an additional $300 a month in the 2% cash back category, you’d earn another $72. Finally, if you spend $100 a month in the 1% category, you’d earn $12, totaling $264 for the year. With the $150 cash back bonus, that equals $414 in cash back earned at the end of your first year.

Why should you get the Amex EveryDay Credit Card?

When it comes to rewards, this card doesn’t offer the best option for earning or redeeming. There are simply better rewards credit cards out there that offer more back on your spending. However, if you are looking for a travel credit card for beginners, this card could give you some familiarity and entry-level access into the Amex family of credit cards.

Additional benefits

This card does offer additional perks and benefits that you might find useful, including:

  • 0 percent introductory offer on purchases for 15 months; 12.99 percent to 23.99 percent variable APR thereafter
  • Amex Pay It Plan It
  • Complimentary ShopRunner membership
  • Car rental loss and damage insurance
  • Purchase protection

Redemption options

There are multiple redemption options for your points, including:

  • Pay with Points at checkout with select merchants
  • Gift cards
  • Booking or upgrading travel
  • Transfer points to prepaid hotel reservations or travel transfer partners
  • Shop with Membership Rewards Points with partner merchants

But remember that you’ll get the most value when you redeem them through the American Express Travel portal or partner travel programs, valued at 2 cents each on average, according to The Points Guy.

Recommended credit score

This card requires a good to excellent credit score for the best approval odds. This means your credit score should be between 670 and 850.

Why should you get the Blue Cash Everyday Card?

The Blue Cash Everyday Card not only has a better rewards structure, but there are also more bonus categories where you can earn cash back. Plus, the rewards are very straightforward, in the form of cash back, instead of points. One downside is that you can’t earn points on this card for boosted redemption values on travel. However, if that’s not important to you, it shouldn’t be a dealbreaker.

Additional benefits

This card does offer additional perks and benefits that you might find useful, including:

  • 0 percent introductory offer on purchases for 15 months; 13.99 percent to 23.99 percent variable APR thereafter
  • Amex Pay It Plan It
  • Complimentary ShopRunner membership
  • Car rental loss and damage insurance
  • Purchase protection

Redemption options

The American Express Blue Cash cards earn “Blue Cash Reward Dollars,” that you can redeem for equivalent cash back in the form of a statement credit. You can also redeem cash for gift cards or shop for merchandise.

Recommended credit score

This card also requires a higher credit score—between 670 and 850.

The bottom line

Both the Amex EveryDay and Blue Cash Everyday cards can help you earn at U.S. supermarkets. But if earning rewards at U.S. gas stations and select U.S. department stores is important to you as well, the Blue Cash Everyday card should be your pick.

If you’re eyeing travel rewards, then the Amex Everyday card is ideal for saving on travel. That notwithstanding, there are better beginner travel cards out there like the Bank of America® Travel Rewards credit card, Capital One VentureOne Rewards Credit Card or even the Discover it® Miles.

Either way, choose the best credit card that works for your spending habits and financial objectives. With this approach, you can get the most value as you earn and redeem your rewards for the long term.

Written by
Aja McClanahan
Personal Finance Writer
Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter."
Edited by
Senior Editor, Credit Card Product News