Amex Blue Cash Preferred vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Blue Cash Preferred wins 3-2. Suburban families with kids — best US-supermarket card. US Bank Cash+ is still the right call if 5% on 2 chosen categories + 2% on 1 chosen — fully customizable..
Side-by-side
| Criterion | Amex Blue Cash Preferred | US Bank Cash+ |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 6% (shopping) | · 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 2.7% | · 3% |
| Welcome bonus | = $250 statement credit after $3,000 in 6 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Amex Blue Cash Preferred
- 6% cashback on US supermarkets (up to $6K/year, then 1%)
- 6% on streaming subscriptions
- 3% on US gas stations + transit
- 1% on everything else
- 0% intro APR for 12 months
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Amex Blue Cash Preferred vs US Bank Cash+: which is better?
Amex Blue Cash Preferred wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Preferred for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Preferred: $250 statement credit after $3,000 in 6 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.