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All comparisons
Head-to-head, 2026

American Express Blue Cash EveryDay Chase Sapphire Preferred

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: American Express Blue Cash EveryDayBigger welcome offer: Chase Sapphire Preferred

American Express

Blue Cash EveryDay

Annual fee
$0
Network
amex
Welcome value
$200
Min spend
$2,000 / 6mo

Top earning rates

  • 4.5×Supermarkets · Membership Rewards
  • 3×Supermarkets · Membership Rewards
  • 3×Gas · Membership Rewards
  • 2×Gas · Membership Rewards

Key benefits

  • $180 Home Chef Credit · $15
  • $84 Disney Streaming Credit · $7
  • Car Rental Loss and Damage Insurance · $0
  • American Express Venue Collection™ · $0
  • Purchase Protection · $0
Full American Express Blue Cash EveryDay review

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
$937.5
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $10
Full Chase Sapphire Preferred review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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