Blue Cash Everyday vs AMEX Everyday: Benefits & Calculator

Rewards Comparison Calculator
Review the benefits, calculate total rewards based on spend, and compare the cash value of the Blue Cash Everyday vs AMEX Everyday side by side.
Last Updated 2022-07-14 By R.Flowers III

If you're looking for the best no-annual fee American Express credit cards on the market, the Blue Cash Everyday® Card from American Express and the American Express Everyday® Credit Card are at the top of the list. Both cards excel at earning rewards at U.S. supermarkets spend with the big difference being that the Blue Cash Everyday Card earns cash back while the Everyday Card earns Membership Rewards Points.

Which card is best will come down to how you plan on redeeming your rewards. If you're big on travel then you'll more than likely want to side with the Everyday Card depending on how much you value Membership Rewards Points.

If you're looking to use your rewards for statement credits, gift cards, and other non-travel related redemptions, the Blue Cash Everyday Card will more than likely be the winner.

Comparing Rewards

The AMEX Blue Cash Everyday earns Reward Dollars which is a form of cash back that can be put towards just about anything you can charge to the card. The AMEX Everyday Card earns Membership Rewards Points which is a flexible rewards currency that is worth most when used towards travel.

AMEX Reward Dollars

Cash back earned with the AMEX Everyday Card and other American Express cash back credit cards are called Reward Dollars.

Rewards Dollars are worth face value meaning that $25 Reward Dollars has a redeemable value of $25 in cash back. You can only redeem them for statement credits whenever your available Reward Dollars balance is 25 or more.

If you have less than $25 in Reward Dollars, you will not be able to use your rewards which is one of the drawbacks to earning cash back with American Express.

Membership Rewards Points

The value of Membership Rewards Points earned with the AMEX Everyday Card will vary depending on how you redeem them. They can be worth as low as 0.5 cents each or as high as 2 cents each.

You can obtain the easiest value of 1 cent per point when you redeem them for airfare via American Express Travel. Any redemptions that give you less than this per point is considered to be bad redemption value.

The table below shows the average value you'll be able to get out of your points with the AMEX Everyday Card.

AMEX Points Value
Redemption Average Value Per Point
Point Transfers To Partners 1.2 to 2+ Cents
Airfare via American Express Travel 1 Cent
Other AMEX Travel 0.7 Cents
Pay With Points At Checkout 0.7 Cents
Gift Cards 0.5 to 1 Cent
Statement Credit 0.6 Cents

You'll get the best value out of Membership Rewards Points when you transfer them to AMEX's airline and hotel partners. This gives you the opportunity to get more than 1 cent per point in value.

Membership Rewards Points earned with the AMEX Everyday can be transferred to over 15 partners.

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Airline miles are worth around 1.2 to 1.5 cents each on average, so transferring your points to frequent flyer programs is an easy way to obtain more than 1 cent in value.

Hotel rewards points are generally worth less, but many programs offer sweet spots that can also net you more than 1 cent per point.

Comparing Earning Rates

Both the AMEX Blue Cash Everyday and AMEX Everyday Card feature U.S. supermarkets as it's highest earning bonus category, but the Blue Cash Everyday features several other everyday categories.

Earning Rates: Blue Cash Everyday vs AMEX Everyday
Blue Cash Everyday
  • 3% Cash Back on up to $6,000 in annual spend at U.S. supermarkets, then 1%
  • 3% Cash Back on up to $6,000 in annual spend at U.S. gas stations, then 1%
  • 3% Cash Back on up to $6,000 in annual spend on U.S. online retailers, then 1%
  • 1% Cash Back on all other purchases
AMEX Everyday Card
  • 2 Membership Rewards Points per $1 spent on up to $6,000 in annual spend at U.S. supermarkets, then 1X
  • 1 Membership Rewards Point per $1 spent on everything else
  • 20% Bonus Points when you make 20 qualifying purchases during the billing period.

The earning rates on the Blue Cash Everyday Card are pretty straightforward. You'll earn 3% back on up to $6,000 in spend per U.S. category, then 1%.

For the AMEX Everyday Card, you'll be able to earn 20% bonus points after you make 20 qualifying purchases during the billing period. This means that you would earn 2.4X Membership Rewards Points at U.S. supermarkets (or 1.2X if you've hit the cap) and 1.2X Membership Rewards Points on all other purchases.

The 20% bonus bumps up the overall value of the AMEX Everyday Card and is something you should heavily consider if you're trying to get easy value out of the card.

Comparing Benefits

The Blue Cash Everyday Card doesn't feature any benefits that are specific to the card itself. It comes with your standard suite of basic American Express benefits such as complimentary ShopRunner membership and access to AMEX Offers.

The main benefit of the AMEX Everyday Card is the 20% bonus points perk. Outside of that, it comes with the same suite of basic American Express benefits featured on the Blue Cash Everyday.

Blue Cash Everyday vs AMEX Everyday Card
Blue Cash Everyday
  • Standard American Express Benefits
AMEX Everyday Card
  • 20% Bonus Points when you make 20 qualifying purchases during the billing period.
  • Standard American Express Benefits

Rewards Calculator

Calculate how many Membership Rewards Points you can earn with the Everyday Card versus how much cash back you can earn with the Blue Cash Everyday. Compare the results side by side and see how much your rewards are worth when redeemed.

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