Almost every major credit card issuer offers credit cards with cash back, including American Express. Two of the most popular American Express cash back credit card rewards programs are offered with their Blue Cash and One cards. While both of these cards offer cash back benefits, the rest of the terms are quite different. That’s why you should compare the cash back credit cards before you decide which one you want to apply for. To help you decide, you should ask yourself the questions below.

Which American Express cash back credit card rewards programs are best suited to your lifestyle?

If you would like the cash back you earn on your American Express card to be deposited into a savings account, the One card may be the best choice. The American Express cash back credit card rewards program that comes with the One card is called “The Savings Accelerator(SM) Plan.” Through this plan, 1% of all eligible purchases into an FDIC-insured, high-yield savings account in your name. Additional benefits of the One card include:

• No pre-set spending limit
• No interest on new purchases
• First year fee-free (a $35 savings)

If you are interested in an American Express cash back credit card rewards program that also offers you more cash back, a low introductory APR and no annual fee, then the Blue Cash card may be the best choice. The American Express cash back credit card rewards program that Blue Cash offers allows you to earn up to 5% cash back with unlimited cash rewards, a 0% introductory APR for six months, no annual fee, and a 4.99% fixed APR balance transfer rate for the life of the balance.

Which American Express cash back credit card rewards program are you most likely to be accepted for?

Since the Blue Cash card offers a more comprehensive American Express cash back credit card rewards program and better overall terms, it also requires that card applicants have excellent credit before they are accepted.  If your credit score is 740 or above, you should have no problem getting accepted for this American Express cash back credit card rewards program. If your credit score ranges from 690 to 740, then it may be better to apply for the One card, which only requires that applicants have “Good” credit.

Other Credit Cards with Cash Back

If you would like to broaden your search for the best cash back credit cards to other card issuers, some of the most popular cash back credit cards include:

• Chase Free Cash Rewards Visa Card
• Chase Flexible Rewards Platinum Visa Card
• Chase PerfectCard Mastercard
• Discover® More(SM) Card
• Discover Open Road(SM) Card
• Money Return Visa Platinum Plus
• Bank of America Cash Rewards Credit Card