Blue Cash Preferred Card vs Chase Sapphire Preferred Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Blue Cash Preferred Card
Estimated value every year on typical spending
$607/ year
Every year, after the annual fee. Year one adds a $300 welcome bonus: $907
Chase Sapphire Preferred Credit Card
Estimated value every year on typical spending
$561/ year
Every year, after the annual fee. Year one adds a $750 welcome bonus: $1,311
The short answer
- On typical spending, the American Express Blue Cash Preferred Card comes out ahead: about $607 a year after its fee, against $561 for the Chase Sapphire Preferred Credit Card.
- In the first year the welcome bonus flips it: the Chase Sapphire Preferred Credit Card is worth about $1,311 in year one.
- The American Express Blue Cash Preferred Card earns more on groceries.
- The Chase Sapphire Preferred Credit Card earns more on dining.
Side by side
| Blue Cash Preferred Card | Chase Sapphire Preferred Credit Card | |
|---|---|---|
| Annual fee | $95 | $95 |
| Rewards | 6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%); 6% cash back on select U.S. streaming subscriptions | 5x points on Chase Travel; 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery; 1x points on all other purchases |
| Welcome bonus | $300 Cash Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. | Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. |
| Credits counted | $42/yr | $80/yr |
| Intro APR | 0% for the first 12 months | Not applicable |
| Regular APR | 19.74% to 28.74% variable | 19.49% to 27.74% variable |
| Foreign transaction fee | 2.7% | None |
| Credit needed | Good/Excellent | Good/Excellent |
Yearly rewards by category
| Category (monthly spend) | Blue Cash Preferred Card | Chase Sapphire Preferred Credit Card |
|---|---|---|
| groceries ($500) | $360 | $180 |
| dining ($400) | $48 | $144 |
| gas ($200) | $72 | $72 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the American Express Blue Cash Preferred Card or the Chase Sapphire Preferred Credit Card?
On typical spending the American Express Blue Cash Preferred Card is worth more: about $607 a year after its fee, against $561 for the Chase Sapphire Preferred Credit Card. Which is better for you depends on where you spend most; see the category answers below.
Which is better for groceries?
The American Express Blue Cash Preferred Card. On $500 a month of groceries it earns about $360 a year, against $180 with the Chase Sapphire Preferred Credit Card.
Which is better for dining?
The Chase Sapphire Preferred Credit Card. On $400 a month of dining it earns about $144 a year, against $48 with the American Express Blue Cash Preferred Card.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.