Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley vs My Best Buy Visa Card

Side-by-side comparison of Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley and My Best Buy Visa Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley	My Best Buy Visa Card
Issuer	American Express	Citibank
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$95.00	$0.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	2.7%	3%
Lifecycle	Active	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Supermarkets	6.0%	2.0%
Streaming	6.0%	1.0% (base)
Gas Stations	3.0%	3.0%
Transit & Rideshare	3.0%	1.0% (base)
Best Buy	1.0% (base)	5.0%
Restaurants	1.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.74% - 21.74%	10.99% - 18.99%
Cash Advance APR	21.99%	21.24%
Penalty APR	26.74%	21.49%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	—
Trip Cancellation Interruption	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Citi 8/65