Blue Cash Everyday® Card From American Express
vs. Chase Freedom Flex® Card

Both the Blue Cash Everyday® Card from American Express and the Chase Freedom Flex® Card are strong contenders in the cash back category, offering no annual fees and enticing introductory APR offers. If you're leaning toward consistent bonus categories without the need to track rotating ones, the Blue Cash Everyday may be the better fit with its 3% cash back at supermarkets, online retailers and gas stations.

If you can maximize the rotating 5% cash back categories, the Chase Freedom Flex could yield greater rewards. Still, the Blue Cash Everyday's straightforward rewards structure and additional perks like statement credits for certain subscriptions make it a compelling choice for everyday spending.

You might prefer the Blue Cash Everyday if you frequently shop at U.S. supermarkets, online retailers and gas stations. With 3% cash back in these categories, up to a limit, and a $200 welcome offer, it's a solid choice for everyday purchases. The introductory 0% APR period for 15 months on purchases and balance transfers can also be a significant benefit if you're planning a large purchase or have existing debt to transfer.

You might prefer the Freedom Flex if you're looking to maximize cash back in rotating categories or spend heavily on travel, dining and drugstores. The ability to earn 5% back in these areas, coupled with a $200 bonus after a lower initial spend, makes it attractive if you can keep up with the rotating categories and plan to use the card for diverse spending.

Evaluating APRs, fees, rewards, and other features side by side clarifies which card aligns with your financial habits. For instance, if you spend heavily at supermarkets, Blue Cash Everyday's 3% cash back could sway you, whereas the Freedom Flex's rotating 5% categories might appeal if you can track and capitalize on them.

The Blue Cash Everyday is a solid choice for consistent rewards in categories like U.S. supermarkets, online retail and gas stations, offering 3% cash back in these areas. On the other hand, the Freedom Flex card shines with its 5% cash back on rotating categories and travel through Chase, making it ideal if you can take advantage of these changing bonuses and travel frequently. Until June, the categories are hotels booked through Chase Travel℠, restaurants and Amazon.com.

While the Blue Cash Everyday provides steady rewards for everyday spending, the Freedom Flex may offer greater rewards potential for those who align their spending with its bonus categories and higher rates on travel and dining.

The table shows the bonus categories for both cards to help you compare at a glance:

With the Blue Cash Everyday, you can redeem your cash back directly as a statement credit or use it at Amazon.com checkout. There's no need to accumulate a certain amount before redemption, and your cash back won't expire, granting you freedom to redeem at your convenience.

The Freedom Flex provides a variety of redemption options. You can use your points for cash back, gift cards, travel and more, though the value you get can vary depending on the redemption choice. Like the Blue Cash Everyday, there's no rush to redeem your points because they remain valid as long as your account is active.

MoneyGeek's ranking process evaluates credit cards like Blue Cash Everyday and Freedom Flex across 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 a detailed understanding of our process, you can review our ranking methodology.

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