American Express Blue Cash Everyday/Preferred Offers ($150/$250 signup bonus; YMMV)

to check credit limit, call 1-866-314-0237, press 1 then enter last 4 digit of SSN and zip code.

offers are
Earn 250 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership
Get 6% cash back at U.S. stand-alone supermarkets, 3% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 6% cash back; 1% thereafter
Cash back is earned only on eligible purchases
Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required
$75 annual fee
Terms and Restrictions Apply.

Earn 150 Reward Dollars after you make $500 in purchases in the first three months of Cardmembership
Get 3% cash back at U.S. stand-alone supermarkets, 2% cash back on gasoline at U.S. stand-alone gas stations and select major department stores; 1% cash back on other purchases
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit
The first $6,000 of purchases at U.S. stand-alone supermarkets in a calendar year qualifies for 3% cash back; 1% thereafter
Cash back is earned only on eligible purchases
Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required
No annual fee, 0% intro APR on purchases for 15 months, then a variable APR, currently equal to 12.99%, with flexibility to pay over time
Terms and Restrictions Apply.

-----

If anyone isn't sure about which card better meets their spending habits, here's a spreadsheet where you can plugin your annual spend for different categories and you can see which card will give you the biggest benefit (Blue Cash Everyday/Blue Cash Preferred/Costco).

Input spending in the bottom fields, you'll see the middle fields change to reflect the cash back in each category, and the yellow fields will show you your total cash back taking into account the annual fee on the Blue Cash Preferred. The logic includes 1% cash back on grocery spending over $6000.

Attached Files

amex comparison.xlsx (45.9 KB, 942 views)