While the Blue Cash Everyday® Card from American Express is a solid option, it’s not the best option for everyone. Here are a few alternatives that may be a better fit for your lifestyle and spending habits.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express also gives you elevated rewards rates on U.S. supermarket and U.S. gas station spending, but at a much higher rate and with additional bonus categories. 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. Like the Blue Cash Everyday® Card from American Express, the cash back that you earn is redeemable for statement credits.
On the downside, it charges a $0 intro annual fee for the first year, then $95. But even with the annual fee, it’s still the better option for cardholders who spend a lot on groceries — spending more than $3,167 per year on groceries (just $264 per month) at U.S. supermarkets earns you more with the Blue Cash Everyday® Card from American Express.
To see rates & fees for Blue Cash Preferred® Card from American Express please click here.
Bank of America® Customized Cash Rewards credit card
If your monthly spending varies, the Bank of America® Customized Cash Rewards credit card could be a better choice, as it lets you choose your own bonus category. It earns Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. Bank of America customers with higher bank and investment balances may even qualify for up to 75% more cash back with Preferred Rewards.
This card also includes a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening, Plus, it’s a better option for financing a purchase or transferring a balance. You’ll get a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days and 0% Intro APR for 15 billing cycles for purchases (followed by a, a 18.24% - 28.24% Variable APR).
Citi Custom Cash® Card
If you’re looking for a $0-annual-fee card that you’ll strictly use for grocery purchases, the Citi Custom Cash® Card is the better way to go.
The Citi Custom Cash® Card offers robust cash back rewards on the highest eligible spending category each month. You’ll earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. The 5% category includes grocery and gas purchases, beating the Blue Cash Everyday® Card from American Express‘s bonus on these two categories.
However, the card has one major downside: The 5% bonus is limited to $500 monthly ($6,000 per year total), and you only earn 1% on other purchases. If you’re searching for a card that you can use for a variety of everyday purchases, you’re better off with the Blue Cash Everyday® Card from American Express.