Not all the greatest journey bank cards include excessive annual charges. If you wish to pay lower than $100 a yr, you’ve got loads of good choices to select from.
One instance is the Amex EveryDay® Preferred Credit Card, with a $95 annual charge. Not solely does it award a 50% bonus on factors earned whenever you make 30 transactions or extra per billing cycle, but additionally it earns priceless Membership Rewards factors, which implies you possibly can switch them to this system’s many journey companions.
Then, there’s Chase’s $95 annual-fee journey card providing. If this had been a recognition contest, the Chase Sapphire Preferred® Card (see charges and charges) would win arms down. It earns a formidable 3 factors per greenback on eating and a couple of factors per greenback on journey purchases.
With these two heavyweights within the ring, let’s take a look at their advantages and downsides that can assist you resolve which card is the higher selection for you.
The data for the Amex EveryDay Preferred Card has been collected independently by The Points Guy. The card particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Chase Sapphire Preferred vs. Amex EveryDay Preferred comparability
Here’s a fast take a look at each playing cards’ present particulars, together with incomes charges and sign-up provides:
| Card particulars | Chase Sapphire Preferred | Amex EveryDay Preferred |
|---|---|---|
| Annual charge | $95 | $95 |
| Welcome bonus | Earn 100,000 bonus factors after spending $5,000 on purchases inside the first three months of account opening | Closed to new candidates |
| Earning charges |
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| Other advantages |
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*Eligibility and profit stage varies by card. Not all car sorts or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable via American Express Travel Related Services Company, Inc.
**Eligibility and profit stage varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.
Chase Sapphire Preferred vs. Amex EveryDay Preferred welcome bonus
The Chase Sapphire Preferred is at present providing a welcome bonus of 100,000 bonus factors after spending $5,000 within the first three months of account opening. Based on TPG’s April 2025 valuations, this bonus is value $2,050.
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The Amex EveryDay Preferred, in the meantime, doesn’t provide a welcome provide as it’s closed to new candidates.
Be positive to verify your eligibility for the Sapphire Preferred card earlier than making use of, and do not forget that this card is topic to Chase’s 5/24 rule and extra particular restrictions round bonus-earning eligibility.
Winner: Chase Sapphire Preferred. Its welcome bonus is extremely priceless, and the Amex EveryDay Preferred is closed to new candidates.
Related: The greatest time to use for these in style playing cards primarily based on provide historical past
Chase Sapphire Preferred vs. Amex EveryDay Preferred advantages
With the Chase Sapphire Preferred, you may get these advantages:
- 25% redemption bonus whenever you ebook journey via the Chase Travel portal
- $50 Annual Chase Travel lodge credit score
- 10% anniversary factors increase
- Complimentary DashPass membership for at the least one yr whenever you activate by Dec. 31, 2027, and $10 off non-restaurant orders per thirty days.
- Auto rental collision harm waiver
- Trip cancellation and interruption insurance coverage
- Baggage delay safety
- Trip delay insurance coverage
- Purchase safety
- No overseas transaction charges
Maximizing the Chase Sapphire Preferred’s assertion credit lets you simply recoup the cardboard’s annual charge. Even so, the journey protections you may get with the cardboard are essentially the most notable profit. This is among the solely playing cards you will get that comes with a excessive stage of safety with no premium annual charge.
The Amex EveryDay Preferred, in the meantime, comes with the next advantages:
- 50% factors bonus after you make at the least 30 purchases in your card in a billing interval (minus returns and credit)
- Car rental loss and harm insurance coverage*
- Global Assist Hotline**
- Return safety**
*Eligibility and profit stage varies by card. Not all car sorts or leases are lined, and geographic restrictions apply. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Policies are underwritten by AMEX Assurance Company. Coverage is obtainable via American Express Travel Related Services Company, Inc.
**Eligibility and profit stage varies by card. Terms, circumstances and limitations apply. Visit americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.
This is a reasonably brief record of advantages in comparison with the Chase Sapphire Preferred. However, in case your important focus is incomes Membership Rewards factors, the 50% bonus is simple to hit month-to-month, making the cardboard’s incomes construction actually spectacular.
Winner: Chase Sapphire Preferred. Its journey protections and assertion credit outshine the advantages of the Amex EveryDay Preferred.
Related: Monthly guidelines: Credit card perks and advantages you have to be utilizing
Earning factors with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
With the Chase Sapphire Preferred, you may earn 5 factors per greenback on journey booked via the Chase Travel portal and three factors per greenback on eating, choose streaming companies, on-line grocery purchases and Lyft (via September 2027).
You’ll additionally earn 2 factors per greenback on journey purchases and 1 level per greenback on all different purchases.
If you spend a good portion of your funds on journey and eating purchases, the worth you may get from this incomes construction for a comparatively low annual charge is tough to beat.
With the Amex EveryDay Preferred, however, you may earn 3 factors per greenback at U.S. supermarkets (on as much as $6,000 in purchases per yr, then 1 level per greenback), 2 factors per greenback at U.S. gasoline stations and 1 level per greenback on all different purchases.
However, utilizing your card for at the least 30 transactions per billing interval provides you with 50% extra factors. This offers you an efficient earn fee of 4.5 factors per greenback (a 9% return) on U.S. grocery store purchases, 3 factors per greenback (a 6% return) at U.S. gasoline stations and 1.5 factors per greenback (a 3% return) on all different purchases.
If you spend most of your funds at U.S. supermarkets and gasoline stations and may hit the bonus threshold every billing cycle, then the Amex EveryDay Preferred’s incomes construction can be extraordinarily priceless to you.
Winner: Tie. Since the 2 playing cards have fairly totally different bonus classes, the higher incomes construction relies upon totally in your spending habits.
Related: The greatest rewards bank cards for every bonus class
Redeeming factors with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
The Chase Sapphire Preferred earns Ultimate Rewards factors, which you’ll be able to redeem for journey by transferring them to any of Chase’s 14 airline and lodge companions or by reserving via the Chase Travel℠ portal at a fee of 1.25 cents per level.
Alternatively, you possibly can redeem your factors for reward playing cards at a fee of 1 cent per level or use Chase’s Pay Yourself Back characteristic to redeem them for money again. However, we advocate skipping these choices and using Chase’s switch companions to get essentially the most worth out of your factors.
The Amex EveryDay Preferred earns priceless Membership Rewards factors, which you’ll be able to redeem for journey by transferring them to any of Amex’s 21 airline and lodge switch companions.
You even have the choice to redeem your Membership Rewards factors for reward playing cards at a price of 1 cent per level. For an excellent decrease worth, you possibly can pay for journey or purchases instantly together with your factors, however once more, we advocate transferring your factors to get essentially the most worth from them.
Winner: Tie. Both factors currencies might be transferred to airline and lodge loyalty packages and used for reward playing cards and money again.
Transferring factors with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
With the Chase Sapphire Preferred, you possibly can switch your factors at a 1:1 ratio to 14 airline and lodge companions, together with Air Canada Aeroplan, United MileagePlus, Virgin Atlantic Flying Club and World of Hyatt.
You can get stable worth from choices like transferring your factors to Singapore Airlines KrisFlyer and reserving round-trip flights to Europe for as little as 61,000 miles or transferring your factors to United MileagePlus and making the most of its Excursionist Perk.
A TPG staff-favorite Ultimate Rewards switch companion is World of Hyatt. I like the choice to stretch my factors by reserving Category 1 Hyatt properties, whereas director of content material Summer Hull makes use of them to remain in resorts and high-end metropolis inns. No matter your choice, you’ll find some severe worth within the World of Hyatt program.
The Amex EveryDay Preferred, however, earns Amex Membership Rewards factors that may be transferred to any of Amex’s 21 airline and lodge companions, together with British Airways Club, Virgin Atlantic Flying Club and Choice Privileges.
You can even use Amex’s frequent switch bonuses to get much more worth out of your rewards.
Winner: Tie. Both playing cards earn rewards you possibly can switch to a number of airline and lodge companions for glorious worth.
Related: How lengthy do American Express Membership Rewards take to switch?
Should I get the Chase Sapphire Preferred or the Amex EveryDay Preferred?
Those who already maintain the Amex EveryDay Preferred will get glorious worth from this product if additionally they have one other card that earns Membership Rewards, like The Platinum Card® from American Express or the American Express® Gold Card.
If you journey usually and are not targeted on incomes Membership Rewards, you are higher off with the Chase Sapphire Preferred — plus, do not forget that the Amex EveryDay is not accessible to new candidates.
Related: The greatest bank card pairings
Bottom line
Both the Chase Sapphire Preferred and the Amex EveryDay Preferred are robust mid-tier card choices with priceless advantages and bonus classes that assist you to rapidly construct a stash of priceless transferable rewards. However, their variations imply that the higher card for you depends upon your spending habits and journey objectives.
Of course, because the Amex EveryDay Preferred is closed to new candidates, your strategies of getting the cardboard are restricted and should solely be doable via a product change from an present Amex bank card.
Apply right here: Chase Sapphire Preferred
Related: The greatest bank cards so as to add to your pockets
