Amex Blue Cash Preferred Vs Everyday
Whether you are interested in applying for an Amex Blue Cash Preferred or Amex Blue Cash Everyday card, you will want to make sure that you have a look at the advantages and disadvantages of each before making a decision. You will also need to decide if the fees and interest rates are worth it for you.
Rates and fees
Compared to the Amex EveryDay Preferred, the Blue Cash Preferred has more bonus spending categories and higher rewards rates. In addition to earning rewards, the Blue Cash Preferred has return protection. It will reimburse you up to $300 per item, and will also extend the manufacturer’s warranty by one year.
The Amex EveryDay Preferred is a solid choice for frequent spenders. In addition to a nice welcome bonus, you can earn 4.5 points for every dollar you spend on eligible gas stations and supermarkets. You can transfer these points to a number of travel programs, including Delta SkyMiles and AirFrance/KLM Flying Blue. Despite its higher straight cash value, the Blue Cash Preferred has a much longer intro period.
The Blue Cash Preferred card has an annual fee of $95 and a 2.7% foreign transaction fee. However, the card offers a higher reward rate for its average spend, which is why it’s worth the money. It also has an introductory APR for the first 15 months.
Supermarkets that offer the card
Whether you spend a lot of money at the supermarket or you prefer to shop for groceries online, there are cards available that can help you get cash back on your purchases. One of the best cards for grocery shoppers is the Blue Cash Preferred Card from American Express.
While this card offers some attractive benefits, it comes with a $95 annual fee. In addition, it charges a 2.7% foreign transaction fee for all purchases abroad. This means that if you travel frequently, you’ll have to look for another credit card with no international transaction fees.
If you’re not a big fan of paying an annual fee, you might want to consider the Blue Cash Everyday Card from American Express. This card earns 3% in cash back at U.S. supermarkets and gas stations. You also get 1% back on everything else. You can use your rewards for gift cards or statement credits.
The American Express Blue Cash Preferred Card is a good choice for consumers with good to excellent credit. It offers valuable cash back rewards and travel assistance. You can enroll in the Amex Offers program to earn even more cashback.
Switching from a Blue Cash Everyday card to a Blue Cash Preferred card
Whether you are looking for a credit card to buy groceries or gas, you will find that the Amex Blue Cash Preferred and the Blue Cash Everyday pack a few punches in the rewards department. The differences are minimal, and you can easily get approved for either.
The Blue Cash Preferred has a couple of other perks, including an Amex Global Assist Hotline and secondary car rental insurance. It also offers a streamlined bonus earning method. However, it is best suited for people with large grocery budgets.
The Amex Blue Cash Preferred is the smart choice for grocery shoppers who spend $3,200 or more in a year on groceries. In addition, the Preferred offers a higher cash back rate than the Everyday, but you have to pay more to get it.
The Blue Cash Everyday is a good choice for people who shop online. It has a longer intro period and a lower annual fee. It has a decent introductory APR and statement credit for purchases, as well as a 20% bonus on PayPal purchases.
Getting approved for the card
Getting approved for the Amex Blue Cash Preferred card is not as hard as you might think. It is just a matter of meeting the requirements. If you have a decent credit score and a decent income, you can qualify. The good news is that you will not have to pay an annual fee in the first year.
The Amex Blue Cash Preferred card offers high rewards on grocery purchases. It pays 6% cash back on those purchases, plus 1% on everything else. The card also has purchase protections and a travel discount. It has a $250 statement credit after spending $3,000 in the first six months.
The card has a yearly cap of $6,000. You will be able to earn up to $360 in cashback per year. But if you want to maximize your rewards, you may have to spend a lot more than $6,000 in a year.
You should apply for the American Express Blue Cash Preferred card if you plan to make a lot of purchases at traditional supermarkets. You can also get this card if you are looking for a card that will help you save money on your streaming subscriptions.