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Chase Sapphire Preferred vs Amex Blue Cash Preferred

Claire's comparison · last verified June 2026
Claire's quick verdict

Chase Sapphire Preferred (8.7/10) wins for most people. Amex Blue Cash Preferred wins for a specific profile.

Winner
Chase Sapphire Preferred
8.7/10
Fee: $95
3x dining, 2x travel
Full review →
Runner-up
Amex Blue Cash Preferred
8.3/10
Fee: $95
6% groceries, 6% streaming
Full review →
Who should choose Chase Sapphire Preferred

Entry-level premium travel card for $300+/month dining. Best first rewards card. 3x dining + $95 fee = correct math for most people.

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Who should choose Amex Blue Cash Preferred

Families spending $250+/month at US supermarkets. Best grocery card. 6% is the highest available. Math works at $250+/month.

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Head to head, by the numbers

Chase Sapphire Preferred Amex Blue Cash Preferred
Claire's score8.7/108.3/10
Price——
Top strength3x points on dining6% at US supermarkets up to $6,000/year
Biggest drawback$95 annual fee$95 annual fee from year two
The case for Chase Sapphire Preferred
•3x points on dining
•2x on all travel
•1x on everything else
•60,000 point welcome bonus (worth $750+)
The case for Amex Blue Cash Preferred
•6% at US supermarkets up to $6,000/year
•6% on select streaming services
•3% at US gas stations
•$0 first-year annual fee
Bottom line

Chase Sapphire Preferred is Claire's recommendation for most people reading this comparison. Score: 8.7/10. Best first rewards card. 3x dining + $95 fee = correct math for most people.

Amex Blue Cash Preferred (8.3/10) is the right choice for a specific situation: families spending $250+/month at us supermarkets. If that describes you, the full review has the complete math.

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