Chase Freedom vs. American Express Blue Cash Everyday

Both the Chase Freedom card and the Blue Cash Everyday Card from American Express are among the top tier of cash back cards. In this head-to-head matchup, we compare the two cards to help you decide which is the better option–Chase Freedom vs. Blue Cash Everyday Card from American Express.

When it comes to rewards credit cards, many prefer a cash back rewards card over points or miles because of the simplicity. With cash, you can use the rewards anyway you want.

With that in mind, we thought a comparison of two of the most popular cash back cards available was in order: the Chase Freedom card and the Blue Cash Everyday Card from American Express.

Depending on your card usage habits, you might want to consider one of these two cards as your primary rebate earnings card. If you can’t settle on just one card, you could use a combination of them both for full cash back rewards earning potential.

This article will highlight the offers of both cards to help you determine which card you should consider based on your spending habits.

Chase Freedom

The Chase Freedom offers a nice cash back bonus of $150 after you spend $500 on the card within the first 3 months, which makes this one of my favorite cards. Plus, with this card you can earn on every purchase. There are no spending tiers and no caps on the amount you can earn. The card offers 0% on purchases for 15 months and 0% on balance transfers for 15 months.

This card uses rotating categories that earn 5% cash back on up to $1,500 in quarterly purchases. As a result, you must register each quarter for the program in order to earn the 5%. Also, remember rotating categories change each quarter which means you aren’t always earning in the same categories.

Card Details

  • 1% Cash Back: The Chase Freedom offers you a 1% rebate for each $1 of net purchases. You do not earn rebates on balance transfers or cash advances.
  • 5% Cash Back: The Chase Freedom also offers 5% cash back in popular categories like gas, home improvement and department stores. These categories change each quarter, and the 5% cash back is limited each quarter to $1,500 in purchases. After that, additional purchases in the select categories earn 1% cash back.
  • Cash Back Offer: This card gives $$150 cash back after you spend $500 within the first 3 months.

Blue Cash Everyday Card from American Express

I prefer the Blue Cash Everyday Card from American Express because it does not use rotating categories. Instead the categories in which you earn don’t change and that makes earning simple and straightforward.

With each eligible purchase you make you will earn one to three percent of the purchase amount back. Here’s how it works:

  • 3% for purchases at supermarkets (on up to $6,000 in purchases per year, then 1%)
  • 2% for purchases at department stores and for gasoline purchased
  • 1% for all other purchases.

You can redeem reward dollars for statement credits, or additional items like merchandise and gift cards, whenever your available reward dollar balance is $25 or more. The card offers 0% on purchases for 15 months and 0% on balance transfers for 15 months. After that, your APR becomes a variable rate.

In addition, you can earn a $150 bonus when you spend $1000 on the card in the first three months.

Rewards Details

  • 1% Cash Back Offer: You will earn 1% back on all your eligible purchase made to your account.
  • 2% Cash Back Offer: 2% for eligible purchases at department stores and for automobile gasoline purchased at stand-alone gas stations
  • 3% Cash Back: You will receive 3% for eligible purchases at supermarkets (excluding superstores and warehouse clubs) on up to $6,000 spent each year (1% thereafter).

Which Card Is Best For You?

To answer this question we are going to highlight some of the key differences of each card. From there you will be able to determine which card will fit your spending habits the best.

  • Cash Back Offer: As I noted above, I prefer cash back cards without rotating categories. For others, earning 5% cash back on select purchases each quarter is appealing. It comes down to your personal preferences and spending habits. However, rotating category cards are only as good as you make them. Forget to take advantage of the rotating categories each quarter and the card loses its key feature.
  • Cash Back Bonus: Both cards offer a $150 bonus to new card members. There is, however, one notable difference. The Chase Freedom requires you to spend $500 on the card in the first three months to qualify, while the requires a $1000 spend.
  • Introductory Rate: Both cards offers a 0% introductory rate on purchases and balance transfers for 15 months.
  • Rewards: Chase offers 5% in rotating categories and the categories change each quarter. One quarter you could be earning 5% on gas purchases and the next it could be 5% on home purchases. The Amex card always gives 3% on supermarket purchases and 2% on gas purchases. If you spend a great deal at the supermarket or on gasoline you might want a card that always gives back for those purchases.

The Fastest Way to Rack Up Starpoints®

The Starwood Preferred Guest® program is without doubt one of the most valuable travel rewards programs available. Not only can Starpoints® be used for free hotel stays at Starwood hotels, they can be used for air travel, Amtrak tickets, airline miles, and even merchandise. While you can earn Starpoints® by staying at Starwood hotels, sometimes you want to supercharge your Starpoints balance. Here are a few tips to help you do just that.

How To Buy Starpoints®

Starwood let’s members purchase up to 20,000 additional Starpoints® per calendar year as long as you have been an SPG member for at least 14 days. Currently, only Starpoints may be used for flights through the SPG Flights redemption option and not cash. Starpoints® cost US $.035 per point, there is no tax on the purchase and the Starpoints are not refundable. The Starpoint Purchase Plan is for members who need a few extra points to redeem a vacation or want to customize an online gift certificate for a travel gift.

You can even purchase Starpoints® as a gift and send them to a friend or family member. If you have received Starpoints® as a gift and the giver provided your account number during the purchase, the Starpoints® will automatically be deposited into your account. If you received a redemption code, you must claim your Starpoints® online. If you do not have the redemption code, you may need to contact the company for assistance.

Here’s an overview of the important points which can be found on the Starwood site:

  • The recipient of a Starpoint purchase must be a member of Starwood Preferred Guest® for a minimum of fourteen days before being able to purchase Starpoints for himself/herself.
  • Your order can be charged to a valid Visa®, MasterCard, Discover, Diners Club, JCB or American Express credit card.
  • Members may purchase a minimum of 500 Starpoints® and then in any increment of 500.
  • A maximum of 20,000 Starpoints® may be purchased or received as a gift into your account per calendar year.

Once the purchase is made, the Starpoints® will be deposited automatically into a member’s account and will be immediately available for use. In addition, cardholders receive a 10% discount on all Starpoint purchases, and earn Starpoints on all purchases charged to the card (including purchases of Starpoints!).

How To Earn Starpoints®

Starwood Preferred American ExpressThe Starwood Preferred Guest® Credit Card from American Express always offers some sort of nice bonus offer for new cardmembers. Currently, the bonus offer is for 25,000 Starpoints®, but you’ve got to know how it works to take full advantage of it.

In addition to the bonus offer, you always earn points for your purchases. The card allows you to earn one Starpoint for every dollar of eligible spending and double Starpoints® at participating Starwood hotels and resorts. By being a cardholder you are automatically enrolled in the Preferred Guest Program and you will receive all the benefits of the program.

Get The Card

If you aren’t yet a member then take a look at our full review of the Starwood Preferred Guest® Credit Card from American Express. Remember, new members are eligible for the sweet bonus offer so check it out.

Review of the American Express Membership Rewards® Program

American Express Membership Rewards® is a loyalty program that rewards you for using your American Express Card. If you are enrolled, you can earn one point for virtually every US dollar or euro spent. To earn rewards just use your Amex Card for purchases. You can redeem your points for flights, hotels, car hire, charity and merchandise rewards. You can also use your points to pay your annual Card and Membership Rewards® fee.

Earn Points
Once enrolled in the program, you will accrue one point in your program account for every dollar charged. Any points accrued in your program account for any given year will be carried forward on the enrollment date anniversary as long as all conditions have been met. One such condition is that you don’t earn your points until a charge is billed to your account and paid. Points are not awarded for the following transactions: dash advances services fees and Interest, express cash charges for dishonored checks, finance charges, travelers cheques, late payment and referral charges, cash advances, foreign exchange.

Once you have earned your points, you have several options (listed below) to redeem your points. There are travel rewards, shopping rewards, and entertainment rewards you can cash your points in for. Points never expire and there is no limit to the number of points you earn.

Use Points

  • Travel Rewards: The Membership Rewards Program can work great for people who frequently travel. There are a wide variety of options for redeeming your rewards points whether it be for airline tickets or hotel stays. You also have the option of transferring your Amex reward points into a frequent flier program of your choice or redeem your reward points for an airline ticket certificate. In addition, you can also choose to redeem your points for rental cars.
  • Shopping Rewards: The program has a significant number of retail partners. This allows members to get discounts by shopping at the retailers who are affiliated with Amex. These retailers includes categories like apparel, electronics, beauty, sports and more. You can choose to redeem your reward points for gifts or gift certificates from many of the retailers. The program offers incentives for shopping with the featured retailers. From time to time, American Express will offer enrollees the opportunity to accrue extra Points for charges made at particular merchants which accept American Express Cards or during a specific period of time or in connection with offers and marketing initiatives performed with participating merchants and/or companies of the American Express Group.
  • Entertainment Rewards: The entertainment rewards the program offers are one of a kind. There are seven different categories under entertainment for American Express Membership Rewards Program. One such category is the ‘Experience Category’ which allows you the option to redeem your reward points for some of the coolest experiences. You can choose between various options including a day trip to Wonderland in Canada, or a hot air balloon trip. Even experiences as incredible as a sub-orbital space flight and a zero gravity flight are also available with your points.

How To Enroll
The Membership Rewards program is a built-in feature of most American Express® Cards — you may already be enrolled. If your Card is not enrolled, log in to your account, select the “Points Summary” link, and then the enroll button.