The Blue Cash card from American Express is a monster of a money-maker if you’re able to put a lot on a credit card each month. I put all my everyday purchases and bills on my credit card, so my monthly statements average around $2,200. At this spending level, the Blue Cash card knocks the socks off of any other cash back credit card available to the tune of hundreds of extra dollars a year.

Because of the significant cash back, the AmEx Blue Cash card is now my card of choice. The Chase Perfect Card used to be my #1 card, but it still deserves a spot in my wallet however. Here’s why: with the AmEx Blue Cash card, I’ll run into the occasional merchant that doesn’t take American Express (Sam’s Club, for example). When this happens, I use my Chase Perfect Card. Even in this case, I’ll still be earning at least 1% cash back for the purchase, which is 1% more than I otherwise would have earned had I just resorted to paying with a debit card.

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