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Blue Cash Preferred® Card from American Express vs Chase Sapphire Preferred® Card
This comparison aims to help potential cardholders decide between the Blue Cash Preferred® Card from American Express and the Chase Sapphire Preferred® Card. Both cards offer unique benefits tailored to different spending habits and preferences.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for consumers who prioritize cash back rewards on everyday purchases, particularly in supermarkets and streaming services. It features a competitive cash back structure and offers a low introductory annual fee for the first year.
Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card caters to frequent travelers and dining enthusiasts, offering robust points on travel and dining purchases, along with valuable travel benefits. This card is ideal for users who want to earn points that can be redeemed for travel rewards.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Chase Sapphire Preferred® Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $95 |
| Welcome Bonus | Earn a $250 statement credit after spending $3,000 in eligible purchases in the first 6 months | Earn 100,000 bonus points after spending $5,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select U.S. streaming subscriptions, 3% at U.S. gas stations and transit, 1% on other purchases | 5x on travel through Chase Travel, 3x on dining and select streaming services, 2x on all other travel purchases, 1x on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | $0 intro plan fees on Plan It® for the first 12 months | $50 Annual Chase Travel Hotel Credit |
| Additional Benefits | Cash Back redeemable as statement credit or at Amazon.com checkout | Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance, DashPass access |
Rewards Highlights
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back on supermarket purchases
- No foreign transaction fees
- Significant introductory bonus offer
- Cons:
- Annual fee after the first year
- Some limitations on cash back categories
Chase Sapphire Preferred® Card
- Pros:
- Generous welcome bonus points
- High rewards on travel and dining
- Flexible points redemption options
- Cons:
- Higher spending requirement for bonus
- Annual fee applies from the start
Who Should Consider Which Card?
- Blue Cash Preferred® Card from American Express: Best for families or individuals who frequently shop at supermarkets and enjoy streaming services, looking to maximize cash back on everyday expenses.
- Chase Sapphire Preferred® Card: Ideal for travelers and foodies who prefer to earn points on travel and dining, as well as those who value travel perks and experiences.
Conclusion
Ultimately, the choice between the Blue Cash Preferred® Card from American Express and the Chase Sapphire Preferred® Card should be guided by your personal spending habits and financial goals. Consider where you spend the most and what rewards matter most to you when making your decision.