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Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Chase Sapphire Preferred vs. Amex EveryDay Preferred: A $95 annual fee showdown
Emily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.
Compliance associate Lakeisha Robinson has 12 years of compliance experience. She uses her credit card knowledge, passion for travel and general compliance rules to ensure that she and her team share the most accurate and compliant content with TPG readers.
May 6, 2025 • 12 min read
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Quick summary
Two popular travel rewards cards with modest annual fees are compared for their value and benefits.
One card is currently open to new applicants and offers a substantial introductory bonus, while the other is closed to new applications but provides a strong bonus for frequent use.
Both cards allow points to be transferred to multiple airline and hotel loyalty partners, maximizing redemption value.
The best choice depends on your spending habits, with one card favoring travel and dining, and the other excelling at supermarket and gas station purchases.
What to consider
The card closed to new applicants can only be obtained through a product change from an existing account.
Eligibility for the open card is subject to specific restrictions, including limits on how many cards you can open in a set timeframe.
Points from both cards can be transferred to airline and hotel partners for potentially high value, per TPG's April 2025 valuations.
What you'll miss from the article
A detailed side-by-side comparison of benefits, earning structures and redemption options to help you decide which card aligns best with your travel and spending patterns.
Generated by AI with support from our editorial team.
One example is the Amex EveryDay® Preferred Credit Card, with a $95 annual fee. Not only does it award a 50% bonus on points earned when you make 30 transactions or more per billing cycle, but also it earns valuable Membership Rewards points, which means you can transfer them to the program's many travel partners.
Then, there's Chase's $95 annual-fee travel card offering. If this were a popularity contest, the Chase Sapphire Preferred® Card (see rates and fees) would win hands down. It earns an impressive 3 points per dollar on dining and 2 points per dollar on travel purchases.
With these two heavyweights in the ring, let's look at their benefits and drawbacks to help you decide which card is the better choice for you.
The information for the Amex EveryDay Preferred Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Chase Sapphire Preferred vs. Amex EveryDay Preferred comparison
Here's a quick look at both cards' current details, including earning rates and sign-up offers:
Card details
Chase Sapphire Preferred
Amex EveryDay Preferred
Annual fee
$95
$95
Welcome bonus
Earn 75,000 bonus points after spending $5,000 on purchases within the first three months of account opening
Closed to new applicants
Earning rates
Earn 5 points per dollar spent on Lyft rides (through September 2027), travel booked through Chase Travel℠ and Peloton equipment and accessory purchases of $150 or more (through December 2027, with a limit of 25,000 bonus points)
Earn 3 points per dollar spent on dining, select streaming, online grocery purchases (excluding Target, Walmart and wholesale clubs), vacation homes, gas and electric vehicle charging
Earn 2 points per dollar spent on all other travel purchases
Earn 1 point per dollar spent on all other purchases
Earn 3 points per dollar spent at U.S. supermarkets (on the first $6,000 spent per year, then 1 point)
Earn 2 points per dollar spent at U.S. gas stations
Earn 1 point per dollar spent on all other purchases
Other benefits
Up to 1.75 cents per point redemption, depending on the specific redemption (see your rewards program agreement for full details).
$100 Annual Chase Travel hotel credit
$120 Global Entry, TSA PreCheck or Nexus credit every four years
10% anniversary points boost (only available to cardholders who applied prior to June 15 for eligible purchases made through Oct. 1)
Complimentary DashPass membership for at least one year (when you activate by Dec. 31, 2029) and $10 discount on monthly non-restaurant orders.
Robust travel protections
50% points bonus after you make at least 30 purchases on your card in a billing period
Car rental loss and damage insurance*
Global Assist Hotline**
Return protection**
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.
Chase Sapphire Preferred vs. Amex EveryDay Preferred welcome bonus
The Chase Sapphire Preferred is currently offering a welcome bonus of 75,000 bonus points after spending $5,000 in the first three months of account opening. Based on TPG's April 2025 valuations, this bonus is worth $1,538.
MINISERIES/GETTY IMAGES
The Amex EveryDay Preferred, meanwhile, does not offer a welcome offer as it is closed to new applicants.
Up to 1.75 cents per point redemption, depending on the specific redemption, when you book travel through the Chase Travel portal (see your rewards program agreement for full details)
10% anniversary points boost (only available to cardholders who applied prior to June 15 for eligible purchases made through Oct. 1)
Complimentary DashPass membership for at least one year when you activate by Dec. 31, 2029, and $10 off nonrestaurant orders per month.
Auto rental collision damage waiver
Trip cancellation and interruption insurance
Baggage delay protection
Trip delay insurance
Purchase protection
No foreign transaction fees
Maximizing the Chase Sapphire Preferred's statement credits allows you to easily recoup the card's annual fee. Even so, the travel protections you'll get with the card are the most notable benefit. This is one of the only cards you can get that comes with a high level of protection without a premium annual fee.
ALVARO GONZALEZ/GETTY IMAGES
The Amex EveryDay Preferred, meanwhile, comes with the following benefits:
50% points bonus after you make at least 30 purchases on your card in a billing period (minus returns and credits)
Car rental loss and damage insurance*
Global Assist Hotline**
Return protection**
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.
This is a fairly short list of benefits compared to the Chase Sapphire Preferred. However, if your main focus is earning Membership Rewards points, the 50% bonus is easy to hit monthly, making the card's earning structure truly impressive.
Winner: Chase Sapphire Preferred. Its travel protections and statement credits outshine the benefits of the Amex EveryDay Preferred.
Earning points with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
With the Chase Sapphire Preferred, you'll earn 5 points per dollar spent on travel booked through the Chase Travel portal, Lyft purchases (through September 2027) and Peloton equipment accessory purchases of $150 or more (through December 2027, with a limit of 25,000 bonus points); and 3 points per dollar spent on dining, select streaming services, online grocery purchases (excluding Target, Walmart and wholesale clubs), vacation homes, and gas and EV charging.
You'll also earn 2 points per dollar spent on other travel purchases and 1 point per dollar spent on all other purchases.
If you spend a significant portion of your budget on travel and dining purchases, the value you'll get from this earning structure for a relatively low annual fee is hard to beat.
MOMO PRODUCTIONS/GETTY IMAGES
With the Amex EveryDay Preferred, on the other hand, you'll earn 3 points per dollar at U.S. supermarkets (on up to $6,000 in purchases per year, then 1 point per dollar), 2 points per dollar at U.S. gas stations and 1 point per dollar on all other purchases.
However, using your card for at least 30 transactions per billing period will give you 50% more points. This gives you an effective earn rate of 4.5 points per dollar (a 9% return) on U.S. supermarket purchases, 3 points per dollar (a 6% return) at U.S. gas stations and 1.5 points per dollar (a 3% return) on all other purchases.
If you spend most of your budget at U.S. supermarkets and gas stations and can hit the bonus threshold each billing cycle, then the Amex EveryDay Preferred's earning structure will be extremely valuable to you.
Winner: Tie. Since the two cards have quite different bonus categories, the better earning structure depends entirely on your spending habits.
Redeeming points with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
The Chase Sapphire Preferred earns Ultimate Rewards points, which you can redeem for travel by transferring them to any of Chase's 14 airline and hotel partners or by booking through the Chase Travel℠ portal at a rate of up to 1.75 cents per point depending you the specific redemption (see your rewards program agreement for full details).
Alternatively, you can redeem your points for gift cards at a rate of 1 cent per point or use Chase's Pay Yourself Back feature to redeem them for cash back. However, we recommend skipping these options and utilizing Chase's transfer partners to get the most value from your points.
You also have the option to redeem your Membership Rewards points for gift cards at a value of 1 cent per point. For an even lower value, you can pay for travel or purchases directly with your points, but again, we recommend transferring your points to get the most value from them.
Winner: Tie. Both points currencies can be transferred to airline and hotel loyalty programs and used for gift cards and cash back.
Transferring points with the Chase Sapphire Preferred vs. Amex EveryDay Preferred
You can get solid value from options like transferring your points to Singapore Airlines KrisFlyer and booking round-trip flights to Europe for as little as 61,000 miles or transferring your points to United MileagePlus and taking advantage of its Excursionist Perk.
A TPG staff-favorite Ultimate Rewards transfer partner is World of Hyatt. I love the option to stretch my points by booking Category 1 Hyatt properties, while director of content Summer Hull uses them to stay in resorts and high-end city hotels. No matter your preference, you can find some serious value in the World of Hyatt program.
If you travel often and aren't focused on earning Membership Rewards, you're better off with the Chase Sapphire Preferred — plus, remember that the Amex EveryDay isn't available to new applicants.
Both the Chase Sapphire Preferred and the Amex EveryDay Preferred are strong mid-tier card options with valuable benefits and bonus categories that allow you to quickly build a stash of valuable transferable rewards. However, their differences mean that the better card for you depends on your spending habits and travel goals.
Of course, as the Amex EveryDay Preferred is closed to new applicants, your methods of getting the card are limited and may only be possible through a product change from an existing Amex credit card.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
