Blue Cash Preferred Card from American Express vs. Chase Sapphire Preferred
On the criteria below, Chase Sapphire Preferred wins 2 of 4. The verdict depends on which criteria matter to you.
Blue Cash Preferred Card from American Express
Amex
Chase Sapphire Preferred
Chase
Chase Sapphire Preferred wins 2 of 4 criteria here, making it the stronger all-rounder.
Blue Cash Preferred Card from American Express wins on earning ceiling; Chase Sapphire Preferred wins on first-year math and foreign transactions.
Pick the Chase Sapphire Preferred if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Chase Sapphire Preferred
Chase Sapphire Preferred wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express earns more on its best category (6× vs 5×).
- Foreign transactions Chase Sapphire Preferred
Chase Sapphire Preferred has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- $95
- Welcome offer (typical value)
- $300
- $1,700
- First-year net
- +$205
- +$1,605
- Peak earning rate
- 6×
- 5×
- Top categories
- Gas, Streaming, Transit
- Chase Travel Portal, Dining, Lyft
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- None
- Reward currency
- Cashback
- Chase Ultimate Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.