Best Grocery Credit Card: Amex Blue Cash Everyday vs. Preferred (2020)
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- เผยแพร่เมื่อ 8 ก.พ. 2025
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. Which Amex card is the best grocery credit card?
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The Blue Cash cards earn cash back at U.S. grocery stores, U.S. gas stations, and more. Should you get the Blue Cash Everyday or the Blue Cash Preferred?
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I’ve had the Blue Cash Preferred for about 4yrs now and I’ve literally gotten $300 or more back every year from all the grocery shopping my family does.
Nice! 🛒
-95
I just got the BCE card last month, I’m using it as my AMEX introductory card. I figure it will give me a feel for earning rewards and eventually, when I feel ready, I will go for the gold card :)
go for the cash magnet next. 1.5% on everything and $200
Hey look its Angela Valdez 🤣🤣
Did i mess up by not getting one of these 2 as my first actual credit card (amex preffered everyday) first credit card was discover this my introductory card in a sense
"If I decide to have 10 kids and they are very hungry kids" lmaoo - thank you for the sense of humor and financial education!
Thanks for watching Adriana :)
I got the BCE as my first AMEX card just over a year ago, earlier this week, I got an upgrade offer for the BCP, and after running the numbers it does seem worth it to upgrade, thanks for the information Sebby!
is it just simply because you do a lot of grocery shopping?
Glad you covered the fact that Walmart does not count for Supermarkets and Sam's does not count for gas, for both cards.
If you pair the BCE with both the Discover It and Chase Freedom you get 5% CB at grocery stores for 6 months of the year then 3% cash back for the other 6 months. All are free cards so it changes the trajectory of the break even point.
Just got the Blue cash preferred card today!
I have the Capital One Quicksilver and Just got the Amex BCE card and I love it, it's a good "relationship with Amex" Card :) I was really happy when they approved me with a 684 and only 5 months credit history because before I tried Discover IT and they denied me for low credit history. Can't wait to upgrade my Amex card
If you're playing cash back, it might make sense to apply for the BCP (get a bonus).
TLDR: you're burning an intro bonus by upgrading: www.asksebby.com/blog/should-you-upgrade-your-american-express-card
@@AskSebby Thank You Sebby
I greatly appreciate your channel! Your honest and your great at breaking down the details. Please continue doing what you are doing!
Convinced me to wait for the platinum. Good video!
Mailer or check here :) www.asksebby.com/blog/how-to-use-the-cardmatch-tool-to-find-better-sign-up-offers
I got the BCE card about two years ago and about a year later, I got an upgrade offer for the BCP. It was right around when they were changing up the rewards for the 6% on groceries and streaming. I love the BCP, its my favorite and most used card for groceries, streaming, and transit. I also LOVE the Plan-it feature.
I think I’ll apply for BCP because I use subway a lot to commute to work. Plus, Netflix and that Cashback will be more than the annual fee.
This came at the perfect time for me thank you for your content 🙏🏾
Looking forward for when Chase comes out with a dedicated grocery card. CF doesn't really count even though it pops up for 1 or 2 quarters.
I was literally just shopping for this. Awesome!
Glad to help! :)
Preferred paid by itself. Just use the cash back to pay the year fee and take the rest. I didn't use it that much this year. So I got 203 dollars back. I pay the 95 dollars fee using the cashback and I took the 108 dollars and I got some Christmas presents. Now time to build cashback to pay the fee and take the rest
Do they take the annual fee from the credit card or can you use a debit card to pay it? Honestly $95 a year is not bad at all for what they offer.
@@Thisisyourconfirmation you can pay it however you want. I use the cash back I collect to pay them back. For regular use. Every month you looking at least 50 dollars back
Also, the BCP KILLS it when it comes to streaming, offering WAY more than any other card (side eyes Propel). The list of accepted services is impressive. We have Netflix, HBO Now, Spotify/Hulu, Disney+ and Audible, and even separate purchases through Audible receive the 6% back! This is THE CARD for Tauruses who just want to stay at home and consume content (and groceries).
Between the $6k/year in BCP and Q1 Freedom flex 5% back. I can usually cover most if not all of my grocery spend with high rewards
Great video. I have had the BCP for 2 years now and it has been a super earner. It works at Kroger and Meijer, but not Target. FYI - you can use it for gift cards to other stores and get the 6% back. As Sebby said it doesn't make sense to use after the $6k max.
Glad to hear it's been working out :)
Team Travel, so this video applies not all!! But I did get the AMEX ED card to start this points hobby for Grocery and misc spend. I now have replaced it with the AMEX Gold for Groceries and the Chase World of Hyatt for misc and everyday spend!! Sebby's video a few weeks ago opened my eyes further to Hyatt's program. Plus after a couple of Hyatt stays (2 x Place and 2 x Regency), I am sold on Hyatt's hard and soft product!!! Status will only make it better!!
very thorough and detailed vid, subbed thank you for the info.
Good timing for the video, I was looking to maximize on my grocery purchases. Thank you!
I just noticed when I was looking at my American Express gold card statement that 7-Eleven counts as a supermarket.
I just realized that starbucks counts as a restaraunt.
I just realized Tyrone counts as a drug store.
@@slappymcface5681 😂😂😂 bro, you’re about to get cancelled by the snowflakes ❄️
@@slappymcface5681 Lol I'm Tyrone and that's funny! lmaooooo
Debby I definitely like the calculation examples.
Best Grocery credit card is Amex Gold except when Chase Freedom has a grocery category
Edit: Regarding the streaming comment, we all share a single account for each streaming service so wouldn't require separate accounts as each usually offer multiple profiles.
How have you been using your MR points? :)
@@AskSebby I focus on transfer partners primarily for maximized value. Same for UR points.
@@enonevets Definitely a no-brainer for travel, especially if you're trying to do F/J.
I've been waiting for an update for this comparison! I currently have the everyday right now.
Walmart Supercenter codes as Wholesale Stores on all Amex cards but Walmart Neighborhood Market codes as grocery on all American Express cards ie Hilton Surpass, BCE/BCP, Amex Gold Etc
Larry Ivey - yup i concur. I tried this on my chase card at a neighborhood walmart & it coded as a grocery store!!!
BCP wins in more ways than one for single non-travelers. 6% cashback on groceries also include gift cards at grocery stores (used in moderation). Someone could buy Amazon gift cards and use them for Amazon video and audible. Also UberEats gift cards for food delivery.
AMEX Gold gets 4x on groceries up to $20k/year. I use my BCP for $6k and then switch to Gold.
Great info! Having said that in regards to product changes. If I'm not mistaken, if you do go that route with AMEX, unfortunately you won't be eligible for the intro bonus for the card you'd be changing to if I'm not mistaken.
Having said that, thinking of going the Everyday route!
Yep, you generally want to grab the bonus beforehand. It might make sense if you max out your $6,000 cap.
@@AskSebby After looking around, might have found a card that works for me. I qualify for Navy Federal Credit cards. They offer a More Rewards AMEX card (AMEX product but managed by NFCU)
3x on Supermarkets, gas and dining and transit (no cap)
25,000 points for 3k spend within 3 months. I haven't had issues with the NFCU travel portal. Only downside you cant transfer points like AMEX or Chase.
Can you make an update on comparing these two cards? It'd be great to see what would work best right now in 2021.
*Great rundown on this!* 👍
👍👍
sebbysquadd!! best thing to watch when preparing for (at least for me) a long weekend! #AlgoGang
Long weekend :) 🛒
Very helpful content. New subscriber 👍👍
Welcome aboard! :)
Hi sebby, I go to the grocery store a lot. Good advice.
Personally, I'd encourage you to review products from both Team Travel and Team Normie perspectives. For example, I don't travel so products you recommend are the absolute worst thing for me. however, if you reviewed them from both perspectives, it would give you more content and widen your potential audience.
Yep, working to do both sides. For some, it's REALLY tough since the card is very travel focused (i.e., Amex Platinum).
What are other purchases?
Great video, Sebby. What is the correct way to calculate the rate of return when the $95 annual fee is factored in if you spend the $6000 in groceries for the year? I plan on using the BCP just for groceries. I came up with 5.9% as follows: $6000 x 6% = $360 statement credits. I then added the $6000 in grocery expense and the $95 annual fee together because that is my investment. I then divided the $360 by the $6095 investment.
$360/$6095 = 5.9%
Is this correct? If so, that is a very good rate of return.
i got value from this video. i'm giving it a like. 👍
I like the Bank of the West cash back card. 3% back on groceries, gas, and dining then %1 cash back on everything else with no annual fee
How's their interface? I tried them awhile back (bank bonus) but it felt antiquated.
YMMV if that even matters though :)
@@AskSebby I haven't tried the android app but the browser interface is very simplistic. It's a lot like the credit union interfaces I've used. Not bad but not fancy in any way.
I love your Videos!!! Thank you!!!
Sebby, those who shouldn’t get the Blue Cash Preferred: those that have Chase Freedom and Discover It. You’re getting at least 6 months of 5% cash back with no annual fee. Better to have the no annual fee BCE card for the other 6 months than the BCP....annual fee is a deal killer.
Very good point. I don't mind 5x rotating categories but it sounds like some people hate it.
Also factor in Freedom points are worth more if (when?) you travel.
Ask Sebby Also, supermarkets (regular grocery spend and gift cards) can be a great source of spend when trying to hit minimum spend for sign-up bonuses on new cards.
Ask Sebby aggregation of marginal gains!
I have the discover it card and it depends on what category they offer per period. They don’t always offer 5% back on groceries, it changes. The BCP would be better because it’s 6% all the time.
Yes, I am asking right now
I have blue cash everyday amex card. Far as supermarket I notice I only get 1% from most stores here in Illinois. Like Walmart, jewels osco etc. Certain stores are not available according to amex list. I feel they have a research team look into that. I do vet 3% from gas station and retail stores . For streaming service it says 3% but when i test it out out I only get 1% . I just don't understand. For now I use it for gas to get 3% while everything else just 1%
Thanks so much for the knowledge!
Glad to help :)
Any recommendations on credit cards for freelancers or someone that doesn’t have a stable income or income proof ? Thanks
I only have 1 no-annual fee card and I rarely use it...lol
Just got an offer to the preferred card and came to watch this video
Wtf are you a mindreader? Was literally googling this yesterday to try and find a grocery card!
:)
TH-cam algorithm. Thanks Zuck
is this a personal credit card or a business card??
Team BCE!
🛒🛒🛒
I used to have the Amex BCE but then I read a blog that put the BCE vs BCP into terms that clicked with me. In short, with BCP, need to spend $32/week in groceries to pay for the annual fee. With BCP, need to spend $64/week in groceries to break even with the BCE. Everything above $64/week is 6% gravy, plus 6% back on Spotify, TH-cam Premium, etc.
However, I have found what looks like a loophole. Apple Music and TH-cam Premium are eligible for 6% cash back. I have discovered that in-app purchases in iOS and Google Play also get 6% cash back. So paying for a Super Chat for a YT streamer appears to get 6% cash back.
VIX going to 100. Sebby making all kinds of gains.
Watch "income" from TH-cam will dwindle due to low advertising revenues. The stock market is almost in a recession. All else being equal, TH-cam/Google took a hit, hence payouts will also be affected. Take care!
@@teknav1 Yep. That's the big risk. Even among friends who work at startups, paycuts are being discussed.
It'll probably balance out loss income elsewhere, like Maurice mentioned.
I'm debating starting a Patreon to share my positions (I got a bunch of hate messages after the last investing video).
@@AskSebby You are doing an excellent job! Hope to see you around for a very long time. A suggestion...In fluctuating times like this, everyone should re-adjust/re-examine their expenditures. Have a great day! (A retired Chemical/Electrical Engineer)
I have the AMEX gold card but I’m looking for a diff American Express Credit card and I’m really stuck on what to get next: which one would be better to pair with the AMEX gold?
Thanks man
I don’t understand!! Don’t spend more than the 10%!!! But spend $1000 so you can get $200 cash bk!! Ugh this is so confusing!?!?
I have this AMEX BCP, and the Wells Fargo Propel. My plan is to use the Propel for Dining out, Hotels, and flights. The BCP for everything else. Is that something you would recommend? Thanks man. Great info!
It's basically just slotting in cards for their respective categories. Sounds like that setup works for you.
I have a preferred on the way as an upgrade offer.
I use my card capital one, and I pay it off before statement closing to 0 percent is that good or should I leave some percentage?
I have the Cash Magnet but I work at a grocery store so I buy my lunch and groceries there and I end up spending a lot of money so the Preferred card would be a nice choice I called customer service and the rep wouldn't give the upgrade cause they're in two different categories just like he said. So I now own the Cash Magnet and the Preferred
That's strange. I've read of others being able to product change their Cash Magnet to BCP after one year.
Is this still current in mid 2022?
Sebby, I'm a no-fee type of guy. I'm really torn between the AmEx Everyday Blue and the Discover It card. If you could only have one, which one would you have?
Discover kind of sucks. I get tired of trying to remember which category they have going for that particular quarter.
I have the discover card and love it!! The app is super easy!! And they let you know what categories get you 5% back, all you have to do is activate it and then use the card. I’m also planning on getting the BCP!! I feel $95 a year isn’t bad for what you get using the card.
@@agoogleuser6902 LOL all you have to do is activate the 5% category and then just use your card, it’s not hard at all.
@@Thisisyourconfirmation Discover isn't a bad card, but I have far better cards in my wallet. I carry about 15 cards. Ain't nobody got time to remember no nonsense about categories
I just got these one today and got approved for 2k did it because it’s offering 20% cash back on amazon purchases 200$ back maximum and I’ve been ordering a lot from amazon lately since covid not going to lie if these would have been offered 2 months ago I would have gotten the 200$ back in the first week 😂
Edit= plus it ain’t bad to keep your credit utilization low and to start a relationship with Amex since this is my first Amex card 😂
Which one? BCP or BCE?
I wanna get targeted for the 100k amex platinum sign up bonus 😫 has anyone had any luck?
Usually non-customer and just wait for mailer or for it to show up on CardMatch. More here: www.asksebby.com/blog/how-to-use-the-cardmatch-tool-to-find-better-sign-up-offers
OMG, 2 likes per minute! This velocity!
👍👍
I've had the BCE and now, for the last year or so, the BCP. I find that I get a bit better than breakeven from BCP but could see myself going back to BCE. I straddle Team Travel and Team Cashback. But I am in the Chase ecosystem for travel as I feel that AMEX just makes it too complicated and expensive to be in theirs.
It sounds like the calculator was made for you :)
Amex for travel definitely makes it hard/annoying, especially with the incidental credits.
Sebby et all,
I have had the US Bank Cash Pkus card for 3 years with a $10k limit initially and now a $14k limit cards I want to target between Nov 2020 and November 2021 are the Amex Blue Cash Preferred, Chase Freedom, and Amazon Prime Rewards Rewards because I do spend slot in groceries for my family of 6 and I primarily shop online via the Amazon app and frequent Whole foods. #teamcashback
What are your thoughts about this line up?
I don't like the gas station very few selection kinda a let down to be frank
It's third way
I was trying to get the Blue Cash Everyday card but the Acquistion member insisted on getting the Blue Cash Preferred. Now I am waiting on the Executive Team to respond back since my case is pending.
Can you tell me how much points they hit you with when they do a credit check
Hi sebby!
👋
I still prefer to use the Hilton Honors 5X for supermarkets, gas and restaurants. I like the brand. Cash back is trash. #TeamTravel Thoughts on this Sebby?
I'm also on #TeamTravel, but it's been awhile since I had some content for #TeamCashBack 💸
If you travel more and stay Hilton more than anybody else if you're staying at better Hilton properties I'd recommend when you get an upgrade offer to upgrade your no AF Hilton Honors to the Surpass if you don't already have Gold or Diamond status the card more than pays for itself
How is cash back trash? Lol you’re getting money back for spending.
Is there any cash back cards that actually include SuperStores like Walmart? Where I live the only stores we have are superstores like Walmart, Publix, Kroger, and Food Lion
I have the Everday and Citi Rewards, which one would you say I'm better off with? I almost don't see the point in having both. Thank you!
Run the numbers. Which one gives you higher value?
does it insure car rentals?
Waiting until I buy a house to get a new card but Amex targeted me for 75k Platinum offer. I have a High Yield Savings Account with Amex. The next card I get is either going to be the Platinum or Gold. If I don't have the 100k offer could I call them and ask for it?
I would just check CardMatch: www.asksebby.com/blog/how-to-use-the-cardmatch-tool-to-find-better-sign-up-offers
Any one recommend trying to apply for an Amex card right now or wait? Open to opinions.
@jjcampbell80 I was preapproved for multiple Amex cards. From Gold, to blue preferred, wellsfargo and many delta cards. I applied and they denied me instantly. Maybe wait.
Thanks 😊, Question is that a box of Girl Scout cookies 🍪 in the background
So, not talking about downgrades: what about the Blue Business Cash Preferred vs. the two?
It's functionally a different card. BBP earns MR points and is meant to be the "everything else" for MR earners.
Prime use of MR points is first/business class international flights.
@@AskSebby We can use MR points for economy too?
We just got approved for the Everday card that earns MR points. 10,000 sign up bonus for $1000 3 mo spend. What are 10,000 points worth, in either a dollar value or the reward itself (e.g. a RT ticket or 1 hotel stay)?
Covered here: www.asksebby.com/blog/best-way-to-redeem-american-express-membership-reward-points-for-travel
MR is generally non-optimal for hotels. Cash out via Schwab Platinum maybe?
With the preferred card if I get gas at Kroger do I get the 6%?
Any other ways I could redeem my reward dollars other than gift cards, statement credits or merchandise?
I have the blue cash preferred card and when I originally got it they told me that it would not work for my local grocery store so I was super bummed but it turns out that it does. I love this card and I get back about $90 a month until the $6000 is spent. I also spent a lot of money on groceries know.
Nice! Be the data point you want to see :)
Ask Sebby Also what was weird is I used it at this particular grocery store which is a small chain of organic grocery stores they only have two locations in Florida and I was using my Apple Pay for the first couple of months and I wasn’t receiving any points back and then I started using the credit card without Apple Pay and that’s when I started getting the points. Super weird
If I upgrade to blue cash preferred will I still get the bonus and 0%intro. I talked to rep and they said I'm only eligible for 150 instead of 250. Any thoughts
does anyone know if i can get rewards at marianos?
So I believe Jake Broe said with the annual fee there’s no way that you actually get 6% back. Do you agree?
I've had the BCP since August of last year. And from August to now. I've earned $405 with $46 pending. Do keep in mind I use this card for everything! Lol
Yes, x < 0.06 when:
x = (0.06s - $95) / s
where s = spend (capped at $6,000)
Same way how Costco prices are "technically" not accurate since you -- for most items -- need a Costco membership.
It's true that the max "effective" cash back when looking only at grocery is roughly 4.6% when the AF is factored in. However, I'd argue (strongly) that it doesn't mean the BCP is a bad choice. It all depends on how you spend and other cards you have.
if you have the a basic type of card and upgrade your card do you still get sign up bonuses or do you have to apply for a new card like the BCP or gold to get the signup bonus.
a$$ $ebby 😂 you made me laugh man
I have the BCE going on a year and biding my time to possibly get the BCP.
Yes, I have this card. In theory its a good card, in practice at the 5 places I shop for groceries, 1 just doesn't take American Express and 2 others are not classified as grocery stores. I'm going for the PenFed 5% on gas and 3% for groceries in a Visa card that is good at most all places I shop for groceries.
As a 'relationship with American Express card', I'm going to try out the Wells Fargo Propel with American Express and see how that does.
Freedom/Discover It might also be worth considering if you don't mind rotating categories.
If you want to talk strategy, especially if you're bonus hunting: www.asksebby.com/free-card-consultation
I got a offer for my bcp spend 1500 get 400 back and I was spending it anyway.
how did u get that offer?
No Walmart= No thank you, Next.
I got the BCP card I just got approved first Amex I had 730 score but they only gave me 1k tho why is that. I was planning to replace this since 6 pct on groceries and gas, n to replace my chase freedom :/ I was surprised on the low limit
I got 1k on BCE with high 600s CS all my other cards are 2k or 3k lol. I thought the same (getting a higher limit) hopefully I’ll get an increase later on? Do you know how well the increase limits?
Do you make on time payments? They also look at that. I got the same score as you and they gave me 4,000. I read that there are many reasons for it.
Does the BCP have a downgrade option at after 1?
Blue Cash Everyday is the downgrade path.
@@AskSebby any recommendations on cash back card intro offers?
www.asksebby.com/free-card-consultation
Gracias, muy interesante.
Definitivamente muy fácil de entender.
Best grocery credit/charge card is the AMEX Gold.
Especially if/when using your points for first/business class flights :)
For travel, yes. For those that don't travel, Amex BCP for the win.
Walmart target and Fred Meyers need to be added. Or else these cards suck.
So basically. Where we need the cards the most... We can't get cash back.... Wow. What a great company.. Walmart is where most of us go.
Speak for yourself lol
Sebby, no sane person spends 2k on streaming!
I...am barely sane. Heh. Netflix $192/yr. - XM (2 vehicles) $145/yr. - Audible $229.5/yr. - Hulu $71.88/yr. - AT&T Now $1,176/yr. Total yearly spend...$1,814.38. 6% cash back...$108.86. Streaming alone, more than covers my annual fee for the BCP.
@@michaelmclaughlin105 AT&T Now is a huge hit. I had it when it was the bigger tier for the intro price, now I have Sling ESPN whatever color that is. I get to about $1200 and I think it's too much. I should cycle my subs more.
René S. Shabastari I actually went the other direction. Had Sling Blue (ESPN sounds like you have Orange), they dropped HBO and the wife wasn’t having it...so onward to Direct TV Now (which morphed into AT&T TV). Agree that it’s still expensive, but still much better than I was paying for cable. I’m still on a “old package” that gets several channels that the new ones don’t...or you have to pay extra for. And mostly I’m happy with the service. If I keep getting the Blues and Blackhawks (if/when the season resumes) I’m good.
@@michaelmclaughlin105 Just checked AT&T NOW since you guys piqued my interest. However, no Lifetime or TLC kills it (wifey requirements). :/
Squuuuuuuuuuuuad. Gold gang.
💰