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Blue Cash Everyday from American Express vs Discover it Cash Back
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Blue Cash Everyday from American ExpressAmerican Express | Discover it Cash BackDiscover |
|---|---|---|
| Rating | 4.3/5 | 4.4/5 |
| Annual Fee | $0 | $0 |
| APR | 19.49% - 28.49% | 17.49% - 26.49% |
| Signup Bonus | $200 statement credit after spending $2,000 in 6 months | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year |
| Rewards Rate | 3% at U.S. supermarkets, U.S. gas stations, and U.S. online retail (up to $6K/yr each), 1% on everything else | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else |
| Credit Score | good | good |
| Pros | 3% at supermarkets, gas stations, and online retail with no annual fee 0% intro APR for 15 months on purchases and balance transfers No foreign transaction fees (rare for a no-fee card) | First-year Cashback Match doubles all rewards $0 annual fee 5% rotating categories can be very lucrative |
| Cons | $6,000 annual cap per 3% category Only 1% on non-category purchases Lower grocery rate than Blue Cash Preferred's 6% | Must activate quarterly categories $1,500 quarterly cap on 5% categories Discover not accepted as widely as Visa/Mastercard |
| View Details → | View Details → |
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Verdict
Our Pick: Discover it Cash Back
With a 4.4/5 rating, the Discover it Cash Back edges out the Blue Cash Everyday from American Express (4.3/5). No annual fee makes it easy to justify. Discover it Cash Back is the best starter rewards card. The first-year Cashback Match effectively gives you 10% on rotating categories and 2% on everything else. Hard to beat for year one.