Amex EveryDay® Credit Card from American Express
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If you want to earn Membership Reward points through American Express but aren’t ready to commit to an annual fee,
Amex EveryDay® Credit Card from American Express could be a better choice. Like the annual fee version, this basic card offers a decent welcome offer and rewards on everyday purchases, although at slightly lower rates.
You’ll earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases in your first 6 months — a little less than Amex EveryDay® Preferred Credit Card from American Express. The earning rate at U.S. supermarkets is 2x instead of 3x, with the same $6,000 annual cap.
Amex EveryDay® Preferred Credit Card from American Express is the better choice for a balance transfer or new purchase. You’ll get an intro APR on balance transfers and new purchases with a longer introductory period. Both cards also offer bonus points if you make a certain amount of purchases per month, with the no-annual-fee version earning 20% after 20+ purchases, versus 50% after 30+ purchases with Amex EveryDay® Preferred Credit Card from American Express.
Citi Custom Cash® Card
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If you want to earn top rewards on your grocery purchases without paying an annual fee, the
Citi Custom Cash® Card may be your best option. It allows you to earn 5% cash back on the first $500 spent in your top spending category each billing cycle.
Eligible categories include grocery stores, restaurants, gas stations, drug stores, home improvement stores, fitness clubs, live entertainment and select streaming service, travel and transit purchases.
If groceries are your top spending category every month, you’ll earn $25 in cash back on your grocery purchases — or $300 total for the year — before you hit the spending cap. That’s one of the best returns on groceries of any card around.
The drawback is that you’ll only earn 1% cash back on all other purchases. If you want a single card that you can use for all your everyday purchases, Amex EveryDay® Preferred Credit Card from American Express is the better way to go.
Blue Cash Preferred® Card from American Express
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The
Blue Cash Preferred® Card from American Express offers a higher earning rate on U.S. supermarket purchases, simpler rewards and no requirement to use the card 30+ times a month.
Cardholders earn 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 at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply.
You can easily redeem rewards for statement credits or at Amazon.com. If you don’t want to deal with the complexity of transferring points and you want one of the most rewarding cards for everyday purchases, the Blue Cash Preferred® Card from American Express is the better choice.
*To see rates & fees for Blue Cash Preferred
® Card from American Express, please click
here.