Blue Cash Everyday® Card From American Express
vs. Discover it® Chrome

Both the Blue Cash Everyday® Card from American Express and the Discover it® Chrome offer appealing cash back rewards and introductory APRs, making them strong contenders for your wallet. If maximizing cash back on everyday purchases is your goal, the Blue Cash Everyday Card edges ahead with its higher cash back rates in key categories like supermarkets and gas stations.

But the Discover it Chrome is a strong choice for if you’re looking to transfer balances, thanks to its longer 0% APR period on balance transfers. While both cards boast a $0 annual fee and the same credit score requirements, the right card for you depends on whether you prioritize higher cash back or better balance transfer terms.

You might prefer the Blue Cash Everyday if you frequently shop at U.S. supermarkets, online retailers and gas stations. The card's higher cash back rates in these categories, coupled with a generous welcome offer, can maximize your rewards on everyday spending. Additionally, the introductory APR period can help with new purchases or balance transfers, though it's shorter than some competitors.

You might prefer the Discover it Chrome if you value simplicity and longer-term benefits. With no foreign transaction fees and a longer 0% APR offer on balance transfers, it's a solid choice if you travel or are looking to manage existing debt. While the cash back rewards are not as high as some cards, the lack of an annual fee and the cash back match in the first year are appealing features.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. This section breaks down each aspect, such as the Blue Cash Everyday's supermarket rewards versus Discover it Chrome's dining perks, to guide your choice.

The Blue Cash Everyday offers a higher rewards rate on everyday essentials, with 3% cash back at U.S. supermarkets, online retail purchases and gas stations, up to $6,000 per year in each category, then 1%. This makes it a strong option if you spend heavily in these areas.

By contrast, the Discover it Chrome provides 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, with 1% on all other purchases. While its rewards rate is lower, the simplicity of the program and the first-year cashback match can be attractive if you prefer straightforward rewards without category tracking.

The table compares the rewards categories offered by each card.

The Blue Cash Everyday allows redemptions as statement credits or for Amazon.com purchases, with the flexibility of no minimum redemption amounts and no expiration on cash back.

The Discover it Chrome offers a broader range of redemption options, including gift cards, charitable donations, and direct deposits, also without an expiration date on rewards. Both cards ensure that the rewards you earn remain available for use whenever you choose.

MoneyGeek's ranking process assigns multiple scores to each credit card for various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score.

For rates and fees of the Blue Cash Everyday® Card From American Express, please click here.