Chase Sapphire Preferred vs Amex Blue Cash Preferred
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Chase Sapphire Preferred wins 2-1. First-time travel-rewards card, sweet-spot earn rates Amex Blue Cash Preferred is still the right call if suburban families with kids — best us-supermarket card..
Side-by-side
| Criterion | Chase Sapphire Preferred | Amex Blue Cash Preferred |
|---|---|---|
| Annual fee | = $95 | = $95 |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 6% (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) | = $250 statement credit after $3,000 in 6 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.7/5 | · 4.5/5 |
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 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
FAQ
›Chase Sapphire Preferred vs Amex Blue Cash Preferred: which is better?
Chase Sapphire Preferred wins on more dimensions (2 vs 1). 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 Preferred 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 Preferred: $250 statement credit after $3,000 in 6 months.