American Express® Blue Cash Preferred® Card vs Atmos™ Rewards Ascent Visa Signature®

American Express® Blue Cash Preferred® CardAmerican Express® Blue Cash Preferred® Card

American Express

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Atmos™ Rewards Ascent Visa Signature®Atmos™ Rewards Ascent Visa Signature®

Bank of America

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Cash Back
Atmos Rewards
Point Value
1.00¢/pt
1.45¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$250 after $3,000 in 180 days
85,000 Atmos Rewards after $4,000 in 120 days

Effective return by category

CategoryAmerican Express® Blue Cash Preferred® CardAtmos™ Rewards Ascent Visa Signature®
Select Streaming6.00%
6x
2.90%
2x
Groceries6.00%
6x · $6,000 cap
1.45%
1x
Gas Stations3.00%
3x
2.90%
2x
EV Charging1.00%
1x
2.90%
2x
Internet & Cable1.00%
1x
2.90%
2x
Transit & Rideshare1.00%
1x
2.90%
2x
Everything else1.00%
1x
1.45%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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