Blue Cash Everyday® Card from American Express vs Cashback Rewards Plus American Express® Card

Blue Cash Everyday® Card from American ExpressBlue Cash Everyday® Card from American Express

American Express

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Cashback Rewards Plus American Express® CardCashback Rewards Plus American Express® Card

USAA

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Cash Back
Cash Back
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $2,000 in 180 days

Effective return by category

CategoryBlue Cash Everyday® Card from American ExpressCashback Rewards Plus American Express® Card
Gas Stations3.00%
3x · $6,000 cap
5.00%
5x · $3,000 cap
Groceries3.00%
3x · $6,000 cap
3.00%
3x · $3,000 cap
Online Shopping3.00%
3x · $6,000 cap
1.00%
1x
Everything else1.00%
1x
1.00%
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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