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Blue Cash Preferred® Card from American Express vs The American Express Blue Business Cash™ Card
This comparison aims to help potential cardholders decide between the Blue Cash Preferred® Card from American Express and the The American Express Blue Business Cash™ Card. Both cards offer unique benefits suited for different spending habits and financial goals.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for consumers who frequently shop at supermarkets and utilize streaming services. With a robust rewards structure, it offers high cash back rates on everyday purchases, making it ideal for families and regular grocery shoppers.
The American Express Blue Business Cash™ Card
The The American Express Blue Business Cash™ Card is tailored for small business owners who want to earn cash back on a wide range of business-related expenses. It offers a straightforward cash back rewards system and features like Expanded Buying Power, making it suitable for growing businesses.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | The American Express Blue Business Cash™ Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | No annual fee |
| Welcome Bonus | Earn a $250 statement credit after you spend $3,000 in eligible purchases in the first 6 months | Earn a $250 statement credit after you make $3,000 in purchases 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, 3% on transit, 1% on other purchases | 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees may apply after the first year | None |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later options | Expanded Buying Power |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 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
The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%
- 1% cash back on all eligible purchases after spending $50,000 per calendar year
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back rates on groceries and streaming
- Introductory annual fee offer
- Additional benefits like the Disney Bundle credit
- Cons:
- Annual fee after the first year
- High spending requirement to earn welcome bonus
The American Express Blue Business Cash™ Card
- Pros:
- No annual fee
- Flexible cash back on all purchases
- Expanded Buying Power feature
- Cons:
- Lower cash back rate compared to some categories on the other card
- Limited to small business expenses
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families or individuals who spend heavily on groceries and streaming services. If you frequently dine out, travel, or utilize public transportation, this card’s higher cash back rates can help maximize your rewards.
On the other hand, the The American Express Blue Business Cash™ Card is perfect for small business owners who want a straightforward cash back program without the burden of an annual fee. Its cash back on all eligible business expenses makes it a versatile option for various business needs.
Conclusion
Both the Blue Cash Preferred® Card from American Express and The American Express Blue Business Cash™ Card offer unique benefits tailored to different audiences. Consider your individual spending habits and financial goals to determine which card aligns best with your lifestyle.