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Blue Cash Preferred® Card from American Express vs Prime Visa
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the Prime Visa by outlining their key features, benefits, and suitability based on individual spending habits.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for consumers looking to maximize their cash back rewards, especially for everyday spending on groceries and streaming services. With a generous introductory offer and a robust rewards structure, it caters primarily to families and frequent shoppers at U.S. supermarkets.
Prime Visa
The Prime Visa is tailored for Amazon Prime members who want to earn rewards on their purchases at Amazon.com and other select retailers. It offers significant cash back on Amazon-related purchases, making it a great choice for avid online shoppers and those who frequently shop at Whole Foods or use Chase Travel services.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | Prime Visa |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | No annual credit card fee |
| Welcome Bonus | $250 statement credit after spending $3,000 in the first 6 months | $100 Amazon Gift Card instantly upon approval |
| Rewards Structure | 6% Cash Back at U.S. supermarkets (up to $6,000/year), 6% on select streaming subscriptions, 3% on transit and gas, 1% on other purchases | 5% back at Amazon.com, Whole Foods, Chase Travel; 10% back on rotating selections; 2% back at gas stations and restaurants; 1% on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Late Payment Fee may apply | Late Payment Fee may apply |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later plans, Cash Back as Reward Dollars | Daily rewards redemption at Amazon.com, Prime Card Bonus |
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 rates on groceries and streaming subscriptions
- Generous welcome bonus
- No foreign transaction fees
- Additional benefits like Disney Bundle Credit
- Cons:
- Annual fee after the first year
- Cash back rewards are capped on certain categories
Prime Visa
- Pros:
- No annual fee
- High cash back rates on Amazon-related purchases
- Instant welcome bonus
- Daily rewards redemption
- Cons:
- Limited to Amazon and select retailers for high cash back
- Less comprehensive cash back structure compared to some other cards
Who Should Consider Which Card?
Users who frequently shop at U.S. supermarkets, rely on streaming services, and want to earn high cash back on everyday purchases may benefit most from the Blue Cash Preferred® Card from American Express.
Conversely, those who are Amazon Prime members and regularly shop at Amazon.com, Whole Foods, or use Chase Travel services should consider the Prime Visa for its lucrative rewards structure tailored to their shopping habits.
Conclusion
Both credit cards offer unique benefits tailored to different spending patterns and preferences. It is essential to consider your individual needs, spending habits, and whether you prefer cash back on groceries and streaming services or on Amazon-related purchases when making your decision.