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Blue Cash Everyday from American Express vs IHG One Rewards Premier Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Blue Cash Everyday from American ExpressAmerican Express | IHG One Rewards Premier Credit CardChase |
|---|---|---|
| Rating | 4.3/5 | 4.2/5 |
| Annual Fee | $0 | $99 |
| APR | 19.49% - 28.49% | 19.49% - 27.99% |
| Signup Bonus | $200 statement credit after spending $2,000 in 6 months | 175,000 bonus points after spending $5,000 in 3 months (limited-time) |
| 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 | 26X at IHG hotels, 5X on travel/dining/gas, 3X 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) | 26X at IHG hotels and 5X on travel, dining, and gas Free night award each anniversary (up to 40,000 points) Automatic IHG Platinum Elite status |
| Cons | $6,000 annual cap per 3% category Only 1% on non-category purchases Lower grocery rate than Blue Cash Preferred's 6% | IHG points worth ~0.5cpp — need high volume for value $99 annual fee Best value only for frequent IHG guests |
| View Details → | View Details → |
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Verdict
Our Pick: Blue Cash Everyday from American Express
With a 4.3/5 rating, the Blue Cash Everyday from American Express edges out the IHG One Rewards Premier Credit Card (4.2/5). No annual fee makes it easy to justify. The Blue Cash Everyday is the no-fee sibling of the Blue Cash Preferred. 3% at supermarkets, gas, and online retail makes it a solid everyday card for people who don't want to pay an annual fee.