| Last updated on February 8th, 2024
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
- 19.24% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 19.24% to 29.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Blue Cash Everyday® Card from American Express gives you the ability to earn cash back on purchases in a handful of common categories, including 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (on up to $6,000 in annual purchases for each, then 1%) and 1% on all other purchases. Though the categories with higher cash back rewards percentages are limited, they are ones in which many cardholders are likely to be spending money on anyway, hence the viability of this ca
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $250 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required
- Terms Apply.
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You make frequent credit card purchases at online retailers
- You use your credit card to pay for groceries and gas in the United States
- You want a one-time $250 statement credit after making just $2,000 in purchases within the first six months of the account opening
- You do't want to pay an annual fee
In-Depth Review: Blue Cash Everyday® Card from American
Whether grocery shopping or filling up the tank, the Blue Cash Everyday® Card from American Express is a solid option for earning cash back on everyday purchases.
How to Get the Card
Eligibility
American Express credit cards are geared toward applicants with a strong credit history. Applicants need a good or excellent credit score, typically 700 or higher, to qualify for the Blue Cash Everyday® Card.
Earning Rewards
Welcome Offer
The Blue Cash Everyday® Card from American Express is a one-time $200 statement credit that can be earned after making just $2,000 purchases within the first six months of the account opening.
Earn Cash Back On Groceries, Gas, and Online Shopping
The Blue Cash Everyday Card earns up to 3% cash back on eligible purchases:
- Earn 3% back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- Earn 3% back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%)
- Earn 3% back at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
- And earn 1% back on all other purchases made with the card
You can even speed up the points-earning potential of the card by adding authorized user cards for family members and other trusted individuals whose purchases will earn rewards like yours. This cash-back haul is on par with the 1.5% back that comes with the Chase Freedom Unlimited (but less than the up to 5% with the It Cash Back, Citi Custom Cash℠ Card, or Chase Freedom Flex). It resembles the 2X on gas and groceries from the Citi Rewards+® Card.
How to Redeem Rewards
The cash back earned is received as Rewards Dollars, redeemable for statement credits, gift cards, and merchandise from top retailers. You can also redeem Reward Dollars on Amazon.com purchases by selecting “Pay with Points” at checkout.
Cash back as a statement credit does not apply to the minimum balance due.
Introductory APR
New accounts with the Blue Cash Everyday credit card also enjoy 0% introductory APR on all purchases for the first 15 months on purchases and balance transfers. Getting an introductory APR from American Express is always a nice feature, with this period applying to transferred balances – another great perk. Cardmembers can expect a variable APR after that 0% period ends, with your precise rate depending on your creditworthiness and the Prime Rate.
Cardmembers also enjoy $0 Buy Now, Pay Later intro Plan It fees on plans created during the first 15 months from the account opening date. Amex’s Plan is a BNPL service that lets you finance a transaction of $100 or more for a fixed monthly fee and no interest charges.
Statement Credits
Blue Cash Everyday® Cardmembers receive two generous statement credits:
- Disney Bundle Credit: Enjoy a $7 monthly rebate after using Blue Cash Everyday to pay $9.99 or more each month on a subscription1 to the Disney Bundle. This credit is valued at up to $84 annually.
- Home Chef Credit: Get up to $15 in statement credits back per month after you use your Blue Cash Everyday® Card to purchase a Home Chef subscription, up to $180 in annual savings.
American Express Benefits
American Express offers cardholders a myriad of protections for issues, including travel benefits (such as vehicle rental loss and damage insurance) and Purchase Protection if an eligible purchase is stolen or accidentally damaged, such as a dropped smartphone.
Here are all of Amex’s security protections and benefits:
| Extended Warranty | Return Protection | Car Rental Loss & Damage Insurance | Amex Concierge |
| Purchase Protection | Zero Fraud Liability | Trip Delay Insurance | Amex Offers |
Shopping and Entertainment
For those who love shopping and entertainment, the Blue Cash Everyday® Card from American Express offers free 2-day shipping through ShopRunner on all eligible purchases at an ever-growing network of over 100 online retailers. Additionally, American Express card members can use Entertainment Access®, which provides exclusive access to ticket pre-sales for the hottest concert tours and events in your area, as well as tickets to Broadway shows and sporting events.
Comparison
| Blue Cash Everyday® Card | Amex EveryDay® Card | Citi® Double Cash Card | |
|---|---|---|---|
| Rewards | Earn 3% back at US supermarkets, online retailers, and gas stations up to $6,000 per year plus 1% back on all other purchases | Earn 2X at US supermarkets up to $6,000, plus 1X on all other purchases | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. |
| Intro APR | 15 months on purchases and balance transfers | 15 months on purchases and balance transfers | 18 months on balance transfers |
| Annual fee | None | None | None |
| Network | Amex | Amex | Mastercrd |
Tips for Maximizing Cash Back with the Blue Cash Everyday® Card
To get the most out of your Blue Cash Everyday® Card, you can follow a few tips. First, use your card for all eligible purchases, especially in the bonus categories where you can earn higher cash back rates. This will help you accumulate cash back faster.
Second, watch for special promotions or offers that may allow you to earn even more cash back. Third, pay your balance in full and on time each month to avoid interest charges. This way, you can fully enjoy the benefits of cash back without accruing additional costs. By following these tips, you can maximize your cash back potential with the Blue Cash Everyday® Card.
What We Like About the Card
The best thing about the card is that it provides 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, making it suitable for those who frequently spend in these categories. Combined with 0% APR for over a year and a $0 annual fee and there are plenty of good points.
Things to Consider
Spending Caps
The card has spending caps on bonus rewards, limiting the cash back potential for high-spenders at U.S. supermarkets, gas stations, and online retail purchases. While this is understandable given the card’s no annual fee, the rewards aren’t impressive enough to require that cap.
Foreign Transaction Fee
The card also charges a foreign transaction fee of 2.7% of the transaction in US dollars. That charge, combined with the limitations of rewards to American merchants, limits the card’s value for international use.
American Express Ratings
How does American Express rate as a bank and issuer? Here is a selection of ratings for the bank from consumers and experts:
| BestCards | Better Business Bureau | TrustPilot |
|
3.5/5 |
2/5 |
1.5/5 |
Should You Apply for the Blue Cash Everyday® Card from American Express?
If your goal is to earn cash back and save money for purchasing everyday items like groceries and gasoline, the Blue Cash card from American Express may be a great fit for your financial goals. No annual fee sweetens the deal, and the generous introductory purchase APR (with a variable rate after that) makes using this card to purchase a big ticket item a breeze; it’s not often that you’ll find a card with 15 months of 0% interest and no annual subscription. That rate is on par, though slightly less impressive, than cards with the longest intro APR periods – namely the Citi Simplicity® Card and Citi® Diamond Preferred® Card.
For those looking to save ample by taking advantage of cash back earning, the Blue Cash Every Day card from American Express is certainly an eye-catching offer.
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