Blue Cash Everyday vs it Cash Back: Which Is Actually Worth It?
Steady grocery earner vs first-year match, Blue Cash wins long-term if groceries are your dominant spend.
Blue Cash Everyday
Three percent on the categories every household actually spends in. No annual fee.
it Cash Back
The most generous first-year card, if you can remember to activate the categories.
Side-by-side specs
| Blue Cash Everyday | it Cash Back | |
|---|---|---|
| Annual fee | $0 | $0 |
| Signup bonus | $200 statement credit after $2,000 in 6 months | Cashback Match, Discover doubles all cashback earned in your first year |
| APR range | 19.24-29.99% Variable | 18.24–27.24% Variable |
| Foreign tx fee | 2.7% | None |
| Credit target | good to excellent | fair to good |
Blue Cash Everyday earn rates
it Cash Back earn rates
The verdict
Your grocery spending is high and consistent, 3% at U.S. supermarkets every month beats Discover's grocery quarters.
Apply at American Express →You want to exploit the first-year cashback match and can concentrate spending during grocery bonus quarters.
Apply at Discover →Blue Cash Everyday annual fee $0, APR 19.24-29.99% Variable, signup offer $200 statement credit after $2,000 in 6 months, terms as of 2026-05-03. it Cash Back annual fee $0, APR 18.24–27.24% Variable, signup offer Cashback Match, Discover doubles all cashback earned in your first year, terms as of 2026-05-03. Verify current terms on the issuer's site before applying. Apply links go directly to the issuer; picksbycard is independent and does not earn a commission on card approvals.