Rewards Calculator: AMEX Blue Cash Everyday vs Everyday

Calculate total rewards with the AMEX Blue Cash Everyday and AMEX Everyday cards based on your spend and compare the results side by side.

The Blue Cash Everyday® Card from American Express is the no annual fee card in AMEX's cash back family of cards while the American Express Everyday® Credit Card is the no annual fee card in AMEX's line-up of Membership Rewards Points earning cards. Both cards earn a solid return on grocery and features other bonus categories. What it really comes down is the value of Membership Rewards Points and whether or not that value is high enough to beat out the cash return of the AMEX Blue Cash Everyday.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Credit Card Currency

Cash back earned with American Express can be applied to the statement, used to purchase gift cards, or used to shop in the American Express website for name brand merchandise. You must have at least $25 in cash rewards to start redeeming your cash back.

Membership Rewards Points can easily be redeemed on the American Express website for 1 cent or less. The value of 1 cent per point can be earned redeeming points for airfare through the American Express Travel Portal and for a select amount of gift cards. The real value of Membership Rewards Points will come from transferring them their 15+ partners which consist of airlines and hotels. Most airline miles are already worth 1.2+ cents each so if you take the time to price out some trips or research the sweet spots with AMEX's airline partners, these points will typically take you farther than cash back when redeemed for travel.

Rewards Rate Details

The AMEX Blue Cash Everyday features three bonus categories which consist of U.S. supermarket, U.S. department store, and U.S. gas station purchases. The supermarket category earns its bonus up to the first $6,000 in purchases, while department store and gas station purchases has no cap. There is no limit to the amount of cash back you can earn running spend through the card.

The AMEX Everyday Card features one bonus category which is U.S. supermarket purchases. This category earns its bonus up to the first $6,000 in purchases. There is no limit to the amount of Membership Rewards Points you can earn running spend through the card.

Blue Cash Everyday Card

  • 3% U.S. Supermarkets
    • Spend cap of $6,000 per calendar year.
    • Additional spend after cap has been reached will earn at the non-category rate (1%).
  • 2% U.S. Gas Station
  • 2% U.S. Department Stores
    • You will earn 2% when shopping with these specific stores:
      • Bealls
      • Belk
      • Bloomingdale's
      • Bon Ton Stores
      • Boscov's
      • Century 21 Department Stores
      • Dillard's
      • J.C. Penney (JCP)
      • Kohl's
      • Lord & Taylor
      • Macy's
      • Neiman Marcus
      • Nordstrom
      • Saks Fifth Avenue
      • Sears
      • Stein Mart
  • 1% Non-Category

AMEX Everyday Card

  • 2x U.S. Supermarket
    • Yearly cap of $6,000; 1x point for remainder of year after cap reached.
    • Can earn 2.4x with the 20% point bonus; 1.2x after cap.
  • 1x Non-Category

Perks & Benefits

There's no perks specific to the Blue Cash Everyday card. You'll receive the standard American Express benefits.

The AMEX Everyday card offers 20% bonus points when you the card multiple times during a billing cycle. It also comes with the standard suite of American Express benefits.

Blue Cash Everyday Card

AMEX Everyday Card

  • 20% Bonus Points
    • Earn a 20% bonus when you make 20 qualifying purchases during the billing period.
  • ShopRunner Membership
  • AMEX Benefits
    • American Express Experiences
    • American Express Presale(s)
    • American Express Seating
    • AMEX Offers
  • Travel and Purchase Coverage

*Enrollment required.

Rewards Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category across both cards. This calculator will also give you the dollar value of both cards based on rewards earned and how much each benefit is worth to you minus the fees. Do note that you can only compare the cards covered on this page side-by-side. If you want to compare against other cards, you'll need to go to the card's specific page.

Note! All category spend entered in the first column (primary column) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit cards based on spend, benefits, and fees.
Select A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
Get a list of available offers from our partners based on card category along with current welcome bonuses, APRs and fees, balance transfer info, and access to secure credit card applications. Do note that there are not offers for every credit card featured on this site.

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Updated 2020-07-21 By Robert Flowers III

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