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 Blue Cash Preferred® Card from American Express ($95/yr) and the Chase Sapphire Preferred® Credit Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Blue Cash Preferred earns more on groceries, gas and other travel, Chase Sapphire Preferred Card on dining, flights, hotels and other purchases. Enter your monthly spending above to see which comes out ahead for you.
Strongest 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 NowStrongest in dining at 3%. 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Blue Cash Preferred Card from American Express | Chase Sapphire Preferred Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | $300 after $3,000 spend in 6 months | 75,000 points after $5,000 spend in 3 months |
| Foreign Transaction Fee | 2.7% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 1% | 2% |
| Hotels Rewards | 1% | 2% |
| Other travel Rewards | 3% | 2% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 6% (up to $6,000/yr) | 3% |
| Gas Rewards | 3% | 1% |
| Rates with conditions not counted in the rows above |
None |
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 2%. 3% at top gas and EV charging brands Earns 3% only at the gas station and EV charging brands Chase selects. Other gas stations earn 1%. |
| Key Benefits | 6% cash back at U.S. supermarkets and streaming, 3% on transit and gas. | 5x points on travel through Chase Travel, 3x on dining and online groceries, 2x on other travel. |
Blue Cash Preferred Card from American Express pulls ahead for groceries, gas spending.
Chase Sapphire Preferred Card wins on travel, dining.
Blue Cash Preferred Card from American Express carries $120/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Preferred Card carries $220/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.