Amex Blue Cash Everyday vs Amex Blue Cash Preferred
Amex Blue Cash Everyday edges Amex Blue Cash Preferred on year-1 math ($185 more value at 1.8¢/pt).
Quick verdict
Amex Blue Cash Everyday edges Amex Blue Cash Preferred on year-1 math ($185 more value at 1.8¢/pt)
Amex Blue Cash Everyday: $264 recurring credits + $360 welcome bonus − $0 AF = $624 net. Amex Blue Cash Preferred: $84 recurring credits + $450 welcome bonus − $95 AF = $439 net. These are year-1 numbers (welcome bonus included) at a 1.8¢/pt rewards valuation. The /tools/annual-fee-breakeven calculator runs the year-2-onward math without the bonus.
Side-by-side specs
| Amex Blue Cash Everyday | Amex Blue Cash Preferred | |
|---|---|---|
| Annual fee | $0 | $95 |
| Welcome bonus | 20,000 pts after $2,000 in 6mo | 25,000 pts after $3,000 in 6mo |
| Welcome bonus value @ 1.8¢ | $360 | $450 |
| Free-night cert | — | — |
| Recurring credits / year | $264 | $84 |
| Year-1 net @ 1.8¢ | $624 | $439 |
Year-1 net assumes the welcome bonus values at 1.8¢/pt. For year-2-onward math, use the Annual Fee Break-even Calculator.
Amex Blue Cash Everyday
2 recurring credits
- Home Chef Credit$15 · Monthly
- Disney Bundle Credit$7 · Monthly
Amex Blue Cash Preferred
1 recurring credit
- Disney Bundle Credit$7 · Monthly
Pick Amex Blue Cash Everyday if
the recurring credits stack is richer ($264 vs $84); the AF is meaningfully lower ($0 vs $95).
Pick Amex Blue Cash Preferred if
you prefer the American Express ecosystem (American Express portal, American Express transfer partners, American Express elite status path).