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Card Comparison

Blue Cash Preferred Card from American Express vs cashRewards Secured

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Blue Cash Preferred Card from American Express card art
American Express Membership Rewards
Blue Cash Preferred Card from American Express
American Express
More Info
cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
35,000 points
Spend $3,000 in 6 months
None
Top Earn Rates
  • U.S. Supermarkets 6x
  • Select U.S. Streaming Subscriptions 6x
  • U.S. Gas Stations 3x
  • All Purchases 1x
Reward Type
cashback
cashback
Key Credits
None
None
Transfer Partners
  • Flying Blue
  • Delta SkyMiles
  • True Blue
  • Qatar Avios
  • Virgin Atlantic Flying Club
  • +13 more
Cash back only

Common Questions: Blue Cash Preferred Card from American Express vs cashRewards Secured

Is the Blue Cash Preferred Card from American Express or cashRewards Secured better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Blue Cash Preferred Card from American Express currently offers 35,000 pts signup bonus (spend $3,000 in 6 months). cashRewards Secured offers no current bonus. Blue Cash Preferred Card from American Express has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Blue Cash Preferred Card from American Express and the cashRewards Secured?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Blue Cash Preferred Card from American Express is from American Express and cashRewards Secured is from Navy Federal Credit Union, so they're governed by separate bank policies.