Compare the Features and Benefits of Blue Cash Everyday® Card from American Express and
Capital One Spark Cash Review

The Blue Cash Everyday® Card from American Express is a well-rounded card offering no annual fee and cash back on three key spending categories, including on online purchases. If your focus is on maximizing your earnings towards pure cash back (as opposed to travel rewards), the Everyday Card is a solid option worth considering.

If your spending aligns with purchases at U.S. supermarkets, U.S. gas stations, or U.S. online retail (who doesn’t shop at online retailers?) — and cash back is your main objective from a credit card — then this becomes an even easier decision. That’s because the Everyday Card earns 3% cash back on these three categories, up to $6,000 per calendar year in purchases in each (then 1%). In addition, the Everyday Card offers a statement credit with several merchants including select streaming services and Home Chef, a rarity for a card with no annual fee (enrollment required).

Of course, it pays to consider other options, including this card’s sister product, the Blue Cash Preferred® Card from American Express and the no-annual-fee Capital One SavorOne Cash Rewards Credit Card. Both of these cards may offer slightly more cash back depending on your monthly expenses.

Rates and fees for the Blue Cash Everyday® Card from American Express

The Spark Cash credit card is ideal for small business owners that want a 2% cash back card with no annual fee and no foreign transaction fees.

It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.

Small business owners earn 2% cash back on all eligible purchases, and 5% when you book hotels and rental cars through the Capital One Travel Portal.

If you also have a Capital One credit card that earns Capital One miles like a  Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Unlike the Spark Cash Plus, the Spark Cash will report to your personal credit profile.

The primary other difference between this Spark Cash card, with a $95 annual fee, and the Spark Cash Plus, with a $150 annual fee, is that the Spark Cash Plus is a charge card with no preset spending limit. For higher spend businesses, the Spark Cash Plus will be a better choice, but this card will work just fine for a business that doesn’t spend enough to justify the additional $55 annual fee in exchange for the no preset spending limit (which is still not unlimited, but rather set based on your spend history).