Blue Cash Everyday Card from American Express vs. Bank of America Unlimited Cash Rewards credit card
On the criteria below, Blue Cash Everyday Card from American Express wins 3 of 5. The verdict depends on which criteria matter to you.
Blue Cash Everyday Card from American Express
Amex
Bank of America Unlimited Cash Rewards credit card
Bank of America
Blue Cash Everyday Card from American Express wins 3 of 5 criteria here, making it the stronger all-rounder.
Blue Cash Everyday Card from American Express wins on earning ceiling, travel insurance, and foreign transactions; Bank of America Unlimited Cash Rewards credit card wins on first-year math.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
3 vs 1 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express earns more on its best category (3× vs 0×).
- Travel insurance Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express carries built-in travel insurance.
- Foreign transactions Blue Cash Everyday Card from American Express
Blue Cash Everyday Card from American Express has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- $250
- First-year net
- +$200
- +$250
- Peak earning rate
- 3×
- —
- Top categories
- Gas, U.S. Online Retail, U.S. Supermarkets
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- 3.00%
- Reward currency
- Cashback
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.