Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Prime Visa (no annual fee) and the Blue Cash Preferred® Card from American Express ($95/yr) comes down to where you spend most. Blue Cash Preferred needs about $160 a month in groceries, counting that spending alone, to make up its $95 higher annual fee over Prime Visa. Below that, Prime Visa comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 2%. 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in groceries at 6% (up to $6,000/yr). 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | Prime Visa | Blue Cash Preferred Card from American Express |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | $150 after $0 spend in 1 months | $300 after $3,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 2.7% |
| Base Reward Rate | 1% | 1% |
| Other travel Rewards | 1% | 3% |
| Dining Rewards | 2% | 1% |
| Groceries Rewards | 1% | 6% (up to $6,000/yr) |
| Gas Rewards | 2% | 3% |
| Rates with conditions not counted in the rows above |
5% through Chase Travel Earns 5% only on travel booked through Chase Travel, Chase's own booking site. Booking direct with an airline or hotel earns 1%. |
None |
| Key Benefits | 5% at Amazon.com, Whole Foods, and Chase Travel; 2% on dining, gas, and transit. | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. |
Prime Visa pulls ahead for dining spending.
Blue Cash Preferred Card from American Express wins on groceries, gas.
The $95/year fee difference means Blue Cash Preferred Card from American Express needs to earn about that much more in rewards to justify its cost.
Blue Cash Preferred Card from American Express carries $120/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.