Amex Blue Cash Everyday vs US Bank Cash+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
US Bank Cash+ wins 2-1. 5% on 2 chosen categories + 2% on 1 chosen, fully customizable. Amex Blue Cash Everyday is still the right call if no-fee amex with 3% supermarket, blue cash preferred minus the fee..
Side-by-side
| Criterion | Amex Blue Cash Everyday | US Bank Cash+ |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 3% (shopping) | 5% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 2.7% | · 3% |
| Welcome bonus | = $200 statement credit after $2,000 spend in first 6 months | = $200 statement credit after $1,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = None stated | = None stated |
| Min credit score | = 670 | = 670 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Amex Blue Cash Everyday
- 3% on US supermarkets (up to $6K/year)
- 3% on US gas stations + online retail
- 1% on everything else
- No annual fee
US Bank Cash+
- 5% on 2 categories you choose ($2,000 quarterly cap)
- 2% on 1 chosen everyday category (gas, grocery, restaurants)
- 1% on everything else
- No annual fee
- Quarterly category swap
FAQ
›Amex Blue Cash Everyday vs US Bank Cash+: which is better?
US Bank Cash+ wins on more dimensions (2 vs 1). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Blue Cash Everyday for its best categories, US Bank Cash+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Blue Cash Everyday: $200 statement credit after $2,000 spend in first 6 months. US Bank Cash+: $200 statement credit after $1,000 spend in 120 days.