Evan’s Ultimate Amex Blue Cash Cashback Calculator

The American Express Blue Cash credit cards are some of the best cashback cards for groceries on the market.

The Everyday card gives 3% cashback on groceries. The Preferred offers 6% cashback on groceries ($95 annual fee).

Both cards offer 2% cashback on gas. The Everyday card also offers 2% cashback on select department stores.

Which card is better for your budget? Use the sliders to find out.

Summary of Benefits

Amex Blue Cash Everyday Amex Blue Cash Preferred
Amex Blue Cash Everyday Amex Blue Cash Preferred

$0 annual fee
$95 annual fee
3X supermarkets
($6,000/yr limit)
6X supermarkets
($6,000/yr limit)
2X gas stations 3X gas stations
2X department stores 1X department stores
1X other purchases 1X other purchases

$0 total value $0 total value

Budget Analysis

Monthly grocery spend:
(NOT Costco, Target, or Walmart)


Monthly gasoline spend:
(at actual gas stations)


Department store spend:
(Belk, Nordstrom, etc)


Monthly total spend:
(including everything above)

Verdict: You’re better off with
Neither of these credit cards

Frequently Asked Questions

What the heck are “select department stores”?

The Blue Cash Everyday card gives 2% cashback at certain department stores. The eligible stores are: Bealls, Belk, Bloomingdale's, Bon Ton Stores, Boscov's, Century 21, Dillard's, J.C. Penney, Kohl's, Lord & Taylor, Macy's, Neiman Marcus, Nordstrom, Saks Fifth Avenue, Sears, and Stein Mart.

Purchases at all other stores earn 1% cashback. The Blue Cash Preferred card does NOT offer 2% cashback at any department stores.

Why does the grocery slider stop working once it hits $500?

The Blue Cash cards award extra cashback for grocery purchases, but only on the first $6,000 of grocery purchases per year. $6,000 divided by 12 months works out to $500/month.

What does “gas at actual gas stations” mean?

It means that gas purchases at supermarkets, Costco, Walmart, etc do not qualify for 2% cashback.

Do these cards work outside the United States?

Both cards work outside the U.S. However, all purchases will earn only 1% cashback, and will incur a 2.7% foreign transaction fee. (This is equivalent to earning no cashback and incurring a 1.7% foreign transaction fee on all purchases.)

Do these cards earn travel rewards?

Both cards earn cashback in the form of statement credits. If you’re looking for travel rewards, check out the Amex EveryDay cards, which earn American Express Membership Rewards points. Membership Rewards points can be redeemed for flights and hotels through the American Express travel portal.

© 2019 Evan Miller. Not sponsored by or affiliated with American Express.

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