American Express® Blue Cash Preferred® Card vs Choice Privileges® Select Mastercard®

American Express® Blue Cash Preferred® CardAmerican Express® Blue Cash Preferred® Card

American Express

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Choice Privileges® Select Mastercard®Choice Privileges® Select Mastercard®

Wells Fargo

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Cash Back
Choice Privileges Points
Point Value
1.00¢/pt
0.60¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$250 after $3,000 in 180 days
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Effective return by category

CategoryAmerican Express® Blue Cash Preferred® CardChoice Privileges® Select Mastercard®
Streaming6.00%
6x
0.60%
1x
Groceries6.00%
6x · Capped Spending · $6,000 cap
3.00%
5x
Gas Stations3.00%
3x
3.00%
5x
Rideshare & Transit3.00%
3x
0.60%
1x
Home Improvement1.00%
1x
3.00%
5x
Phone & Wireless1.00%
1x
3.00%
5x
Everything else1.00%
1x
0.60%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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