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All information about the American Express Everyday® Credit Card have been collected independently by The Point Calculator and has no been reviewed by the issuer. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Blue Cash Everyday Card vs American Express Everyday Card
Credit Card Rewards Comparison Calculator
Don't know which American Express card to choose? Our calculator breaks down the rewards and benefits of the AMEX Everyday Card and the Blue Cash Everyday Card.
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.
Rewards Rates
Blue Cash Everyday® Card from American Express
3%
Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%
New! Earn 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%
Earn 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%
Earn 1% Cash Back on other purchases.
American Express Everyday® Credit Card
2X
Earn 2 points per $1 spent on up to $6,000 per year in U.S. supermarket purchases, then 1X.
1X
Earn 1 point per $1 spent on all other Card purchases.
20%
Earn 20% more points on your purchases in a billing period when you make 20 or more purchases on the Card.
Current Intro Bonus
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
American Express Everyday® Credit Card
Earn 10,000 Membership Rewards® points after you spend $2,000 on purchases on the Card in your first 6 months of Card Membership.
Key Cardholder Benefits
Blue Cash Everyday® Card from American Express
Enjoy complimentary ShopRunner Membership which gives you free 2-day shipping and free returns at 100+ stores. Enrollment required.
Receive $7 back each month (up to $84 annually) after spending $13.99 or more each month on an eligible subscription to The Disney Bundle which includes Disney+, Hulu, and ESPN+ using the Blue Cash Everyday Card. Enrollment required.
American Express Everyday® Credit Card
When you make 20 or more purchases in a billing period, you'll earn 20% more points on those purchases (less returns and credits). This effectively bumps up the earning rates of U.S. supermarket purchases to 2.4X (1.2X after cap) and 1.2X on all other purchases.
Enjoy complimentary ShopRunner Membership which gives you free 2-day shipping and free returns at 100+ stores. Enrollment required.
Rewards Value
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday Card earns Rewards Dollars which can be redeemed for statement credits at face value. 1 Reward Dollar is equal to $1 in statement credits.
American Express Everyday® Credit Card
Redemption Option
Average Value (in cents)
Point transfers to airline and hotel partners
0.6 - 2
Booking flights through American Express Travel
1
Booking other travel through American Express Travel
0.7
Paying with points at checkout
0.7
Using points for card charges (statement credit)
0.6
Redeeming points for gift cards
0.5 - 1
Membership Rewards points earned with the American Express Everyday Card are worth 1 cent each when redeemed for airfare via American Express Travel. You can obtain higher values by transferring points to AMEX's airline and hotel partners.
Rewards Dollars cannot be transfered to any program and can only be redeemed for statement credits made to an American Express cash back credit card.
Annual Fees
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday Card has a $0 annual fee. Additional cardholders can be added at no extra cost.
American Express Everyday® Credit Card
The American Express Everyday Card has a $0 annual fee. Additional cardholders can be added at no extra cost.
Card Value 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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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
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:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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