Blue Cash Everyday® Card from American Express
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Intro purchase APR
- 0% for 15 months from account opening date
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
Our review of the Blue Cash Everyday® Card from American Express
Whether you’re grocery shopping or filling up the tank, the Blue Cash Everyday® Card from American Express stands out as a top option for earning cash back on your everyday purchases.
Welcome Offer
New cardholders can earn a one-time $200 statement credit by making just $2,000 in purchases within the first six months of opening their account.
Earn Cash Back On Groceries, Gas, and Online Shopping
With the Blue Cash Everyday Card, you can earn up to 3% cash back on eligible purchases:
- 3% back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 3% back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%)
- 3% back at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
- 1% back on all other purchases made with the card
You can boost your rewards potential by adding authorized user cards for family members and trusted individuals. While this cash-back rate is comparable to other cards like the Chase Freedom Unlimited, it falls short of the up to 5% back offered by other competitors.
How to Redeem Rewards
Cash back earned on the Blue Cash Everyday® Card is received as Rewards Dollars, which can be redeemed for statement credits, gift cards, and merchandise from top retailers. You can also use your Reward Dollars on Amazon.com purchases by selecting “Pay with Points” at checkout.
Introductory APR
New cardholders can enjoy a 0% introductory APR on all purchases for the first 15 months, including balance transfers. After this period, a variable APR applies based on creditworthiness and the Prime Rate.
Statement Credits
Cardmembers receive two statement credits:
- Disney Bundle Credit: $7 monthly rebate on the Disney Bundle subscription
- Home Chef Credit: Up to $15 in statement credits per month on Home Chef subscription purchases
American Express Benefits
Cardholders also benefit from a range of protections and benefits offered by American Express, including Extended Warranty, Car Rental Loss & Damage Insurance, and Zero Fraud Liability.
Shopping and Entertainment
The Blue Cash Everyday® Card offers free 2-day shipping through ShopRunner and Entertainment Access® for exclusive ticket pre-sales and events.
Comparison
| Card | Rewards | Intro APR | Annual Fee | Network |
|---|---|---|---|---|
| Blue Cash Everyday® Card | 3% back at U.S. supermarkets, online retailers, and gas stations up to $6,000 per year plus 1% back on all other purchases | 15 months on purchases and balance transfers | None | Amex |
| Amex EveryDay® Card | 2X at U.S. supermarkets up to $6,000, plus 1X on all other purchases | 15 months on purchases and balance transfers | None | Amex |
| Citi® Double Cash Card | 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases | 18 months on balance transfers | None | Mastercard |
Tips for Maximizing Cash Back with the Blue Cash Everyday® Card
- Use your card for all eligible purchases, especially in bonus categories
- Look out for special promotions to earn more cash back
- Pay your balance in full and on time each month to avoid interest charges
What We Like About the Card
The Blue Cash Everyday® Card stands out for its 3% cash back at U.S. supermarkets, gas stations, and online retailers, combined with a $0 annual fee and a 0% APR for over a year
Things to Consider
- Spending Caps: The card has limits on bonus rewards, which may impact high-spenders in certain categories
- Foreign Transaction Fee: A 2.7% fee applies to foreign transactions, reducing the card’s value for international use
Should You Apply for the Blue Cash Everyday® Card from American Express?
If you’re looking to earn cash back on everyday purchases and save money, the Blue Cash Everyday® Card could be a great fit. With no annual fee and a generous introductory APR, this card offers substantial benefits for those who frequent U.S. supermarkets, gas stations, and online retailers. Consider your spending habits and financial goals to determine if this card aligns with your needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
Who this card may suit
- 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
Rates, fees and terms
| Annual Fee | None |
|---|---|
| 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 |
| Foreign Transaction Fee | 2.7% of the transaction amount in U.S. dollars |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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