American Express Blue Cash vs American Express Blue Card

American Express Blue Cash or American Express Blue, what’s the difference? Both are rewards credit cards so which one should you choose? The features of the two cards are pretty much the same, when comparing the two cards what you’ll notice is that the main difference is the type of rewards that they offer.

Blue from American Express earns you points that can be redeemed for a variety of rewards such as airline, hotel, merchandise and gift certificates.

American Express Blue Cash on the other hand is a cash back card that can earn you up to 5% cash back on your purchases.

So when deciding on which card is right for you, it really comes down to whether you want to earn cash rebates or rewards points. You can review and compare the benefits and features of American Express Blue Cash and American Express Blue in the chart below.

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	Blue Cash® from American Express	Blue from American Express®
Card Features	Earn Up to 5% Cash Back on Everyday Purchases - Even Gas! No Annual Fee 0% APR for Up to 12 Months on Purchases Low Balance Transfer Rate - 2.99% for 12 Months Express Approval. Get a Decision in Less Than 60 Seconds.	0% APR on Purchases for Up to 12 Months No Annual Fee Low Balance Transfer APR ? 2.99% for 12 Months Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences Membership Rewards Express® Program Express Approval. Get a Decision in Less Than 60 Seconds.
Best Feature	Up to 5% cash back reward; no annual fee; 0% introductory rate.	Access to Membership Rewards Express® program; various benefits and services available to cardholders; introductory rate; no annual fee.
Worst Feature	Cash back rewards are earned for purchases only.	Low APR may not be available to all applicants.
Introductory Rate	0% APR for Up to 12 Months	0% APR for Up to 12 Months
Applied To	Purchases	Purchases
APR (Cash Advances)	n/a	n/a
APR (Purchases)	As low as 12.49%	As low as 11.49%
Grace Period	20 Days	20 Days
Finance Configuration	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)
Annual Fee	$0	$0
Over Limit Fee	$35	$35
Cash Advance Fee	n/a	n/a
Balance Transfer Fee	3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer). However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.	3% of each balance transfer associated with this offer ($5 minimum/$99 maximum per transfer). However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.
Minimum Credit Limit	See Important Notations	$1,000
Maximum Credit Limit	See Important Notations	$100,000
Important Notes	No pre-set spending limit - purchases are approved based on credit record, account history, and personal resources. Card is currently unavailable to residents of Puerto Rico. The APR for purchases and balance transfers varies according to the applicant's credit history and may range from 12.49% to 18.49%. See website for complete terms and conditions of card usage and application disclosure.	Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and may range from 11.49% to 18.49%. See website for complete terms and conditions of card usage and application disclosure.
Additional Perks	Various Internet account related services. Year-end financial statement. Built-in ExpressPay feature to make purchases without having to swipe the card. No liability for unauthorized Internet transactions. Return protection. Purchase protection. Extended warranty for purchases. Auto rental insurance. Emergency card replacement. Trip planning assistance. Medical referral services. Legal referral services. Up to $100,000 in travel accident insurance. Guaranteed hotel and motel reservations. Various travel and emergency assistance services. See website for additional benefits.	Access to Blue's Membership Rewards Express® program for no additional annual fee. Built-in ExpressPay feature that lets cardholders make purchases without having to swipe their card. Various Internet account related services. No liability for unauthorized Internet transactions. Year-end financial statement. Return protection. Extended warranty for purchases. Purchase protection. Auto rental insurance. Emergency card replacement. Medical referral services. Legal referral services. Lost luggage insurance. Up to $100,000 in travel accident insurance. Various travel and emergency assistance services. See website for additional benefits.
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