Chase Sapphire Preferred vs Amex Blue Cash Everyday
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Sapphire Preferred wins 3-2. First-time travel-rewards card, sweet-spot earn rates Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket — blue cash preferred minus the fee..
Side-by-side
| Criterion | Chase Sapphire Preferred | Amex Blue Cash Everyday |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | No FX fee | · 2.7% |
| Welcome bonus | = 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel) | = $200 statement credit after $2,000 spend in first 6 months |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | 4.7/5 | · 4.3/5 |
Benefits compared
Chase Sapphire Preferred
- 5x points on travel booked through Chase Ultimate Rewards
- 3x on dining (incl. takeout & delivery)
- 2x on all other travel
- 25% more value when redeeming for travel via Chase Ultimate Rewards portal
- No foreign transaction fees
- Trip cancellation/interruption insurance, primary auto rental coverage
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
FAQ
›Chase Sapphire Preferred vs Amex Blue Cash Everyday: which is better?
Chase Sapphire 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 Chase Sapphire Preferred for its best categories, Amex Blue Cash Everyday for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Chase Sapphire Preferred: 60,000 bonus points after spending $4,000 in first 3 months (~$750 in travel). Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months.