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Introduction to the Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee (rates and fees). It's an especially valuable choice for purchases at U.S. supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Business Insider's credit card experts compared this card to the best cash-back credit cards and found it to be on par with many of the top offerings in terms of rewards, but lacking in supplemental benefits. Still, this card is popular with people seeking a simple card for daily use.
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$0
0% intro APR on purchases and balance transfers for 15 months from account opening
18.24% - 29.24% Variable
Earn a $200 statement credit
Good to Excellent
- Good bonus cash-back rate at U.S supermarkets
- No annual fee.
- If you spend more than $6,000 at U.S supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap.
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% 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, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Amex Blue Cash Everyday Overview
The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. Thanks to its bonus-earning categories, this card is especially valuable for earning rewards on U.S. supermarkets, gas stations, and online retail purchases.
Grocery stores, gas stations, and online shopping comprise big chunks of most people's budgets, so using one of the best credit cards for these categories is a good way to maximize rewards. An even better way to combat some of your highest expenses is by getting cash back in all three of these categories from a single card.
If you're interested in Amex but not necessarily looking for this credit card, check out our guide to the best American Express cards for various needs.
Amex Blue Cash Everyday Rewards
The Blue Cash Everyday® Card from American Express earns rewards in the form of Reward Dollars, which are not the same as and cannot be converted to Amex points.
Welcome Bonus
The Blue Cash Everyday® Card from American Express comes with a welcome bonus of $200 statement credit after you spend $2,000 in purchases on your new card in the first six months of card membership. Though it's not the highest intro bonus out there, it's a generous amount considering the relatively low minimum spending requirement, and it's a nice kickstart to earning cash back on your ongoing spending.
How to Earn Rewards with the Amex Blue Cash Everyday
The Blue Cash Everyday® Card from American Express has a handful of bonus categories, so you can maximize your cash back on certain purchases. You'll earn:
- 3% cash back at U.S. supermarkets on up to $6,000 spent per year (then 1% back)
- 3% cash back at U.S. gas stations on up to $6,000 spent per year (then 1% back)
- 3% cash back on U.S. online retail purchases on up to $6,000 spent per year (then 1% back)
- 1% cash back on all other eligible purchases
Online retail purchases is a particularly useful (and broad!) category — Amex defines these as purchases made on a website or a digital application (an app) from a U.S. retail merchant that sells physical goods or merchandise directly to consumers. This includes major retailers like Amazon.com and Walmart.com, and merchants like online bookstores, pet stores, department stores, shoe stores, and the like.
However, these online purchases will not earn bonus rewards:
- Airline tickets
- Concert ticket purchases
- Food delivery platforms
- Online grocery orders
- Rideshare services
- Streaming services
- Wireless cellular providers
How to Redeem Rewards with the Amex Blue Cash Everyday
The fact that the Blue Cash Everyday® Card from American Express earns cash back instead of points is both good and bad. It's good if you're looking for a simple rewards program — since you're just getting cash back, there is no such thing as a "bad" redemption because the value of cash never changes.
The flip side of that is you won't really score "good" redemptions, either. All redemptions are just statement credits that are redeemed at the same value, no matter what.
You can redeem your reward dollars for statement credits in any amount with no redemption minimum, but you can't use the cash back to pay your minimum balance due. You can also redeem your reward dollars at Amazon.com checkout.
Amex Blue Cash Everyday Key Benefits and Features
Because the Blue Cash Everyday® Card from American Express is fairly basic, there aren't many ancillary benefits that you can get from other rewards cards. But there are a few other perks worth noting beyond the 3% bonus categories and no annual fee.
0% Intro APR Offer
One benefit that might be of use to some people is the introductory 0% APR rate. You get a 0% intro APR on purchases and balance transfers for 15 months from account opening, then a 18.24% - 29.24% Variable APR will kick in (rates and fees), putting it on our list of best balance transfer cards. This could save you a lot of money if you have large purchases (like holiday shopping) you want to pay for over a longer period of time, or if you have high-interest debt on other credit cards you want to consolidate.
Disney Bundle Statement Credit
The Blue Cash Everyday® Card from American Express offers a monthly statement credit toward the Disney Bundle for streaming service, which includes Disney+, Hulu, and ESPN+.
If you enroll your card for this benefit and pay $9.99 or more each month for the bundle with your card, you'll get $7 back each month in the form of a statement credit posted in your account. Annually, this gets you up to $84 back in statement credits.
Home Chef Statement Credit
Another new statement credit benefit is for the Home Chef meal-kit service. If you use the Blue Cash Everyday® Card from American Express to make Home Chef purchases, you'll get up to $15 back as a statement credit each month (up to $180 in credit each year)* As with the Disney Bundle benefit, you need to enroll your card to be eligible for this perk.
Car Rental Insurance
When you use your Blue Cash Everyday® Card from American Express to pay for an eligible car rental and decline the rental company's collision damage waiver, you can receive car rental coverage for damage and theft. A few restrictions apply, so be sure to read the limitations. And keep in mind this is secondary coverage, not primary car rental insurance, so it only covers what your own personal car insurance policy doesn't.
Purchase Protection
Pay for an eligible item with the Blue Cash Everyday® Card from American Express and if it's stolen or damaged up to 90 days from the purchase date, you can get reimbursed, up to $1,000 per purchase and up to $50,000 per calendar year.
Global Assist Hotline
Cardholders who need help while traveling can access Amex's Global Assist Hotline for help with lost luggage, emergency legal and medical referrals, lost passport assistance, translation services, and more. The service itself is free, but you're responsible for any third-party charges.
Amex Offers
Blue Cash Everyday® Card from American Express cardholders can take advantage of the Amex Offers program. Amex Offers are targeted deals for cash back or bonus points when you shop with specific retailers and travel brands. Activate your available offers by logging into your card account and scrolling down. (Eligibility for these offers is limited. Enrollment is required in the Amex Offers section of your account before redeeming).
Amex Blue Cash Everyday Annual Fees and APR
Intro and Ongoing APR
The card charges a 18.24% - 29.24% Variable APR, based on your creditworthiness and other factors as determined at the time of account opening. The card does offer a 0% intro APR on purchases and balance transfers for 15 months from account opening, after which the 18.24% - 29.24% Variable rate takes effect (rates and fees).
Annual Fee
The Blue Cash Everyday® Card from American Express has a $0 annual fee (rates and fees).
Other Fees
You may incur a variety of other fees with this card. As with most other cards, there are fees for late payments, cash advances, and returned payments.
Amex Blue Cash Everyday Card Comparison
If the Blue Cash Everyday® Card from American Express isn't quite right for you, there are a number of alternative cash-back credit cards for your consideration. Here are some of our top picks.
Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express
If you're open to paying an annual fee, the Blue Cash Preferred® Card from American Express is another option worth considering. It earns a higher rate of cash back on some of the same categories as the Blue Cash Everyday® Card from American Express. You'll earn 6% back at U.S. supermarkets (on up to $6,000 per year, then 1% back), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on everything else. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
The Blue Cash Preferred® Card from American Express has an annual fee of $0 intro for the first year, then $95 (rates and fees). Read our in-depth comparison of the Amex Blue Cash Everyday card vs. the Blue Cash Preferred for more details.
Read our Amex Blue Cash Preferred card review.
Blue Cash Everyday® Card from American Express vs. Capital One Savor Cash Rewards Credit Card
Despite different names and issuers, these two credit cards share some rewarding similarities.
The recently refreshed Capital One Savor Cash Rewards Credit Card earns up to 8% cash back on select entertainment, 5% back on select travel, and 3% on groceries, dining, and streaming services. These rates on a no-annual-fee credit card make it one of Business Insider's top picks on our lists of the best no-annual-fee credit cards and the best credit cards for groceries (rates and fees).
New cardholders can also take advantage of a generous zero-interest intro period: 0% intro APR on purchases and balance transfers for 15 months (3% fee for the first 15 months, then 4% at a promotional APR that Capital One may offer you at any other time) (then 19.24% - 29.24% Variable APR).
When comparing the Capital One Savor Cash Rewards Credit Card and the Blue Cash Everyday® Card from American Express side-by-side, look at the greater credit card ecosystem as well as the other cards in your wallet. If you already have several Amex cards, you may find it easier to stick with Amex as a single source for managing all of your credit cards. If you'd prefer to diversify your rewards strategy, adding one of the best Capital One credit cards to your wallet can broaden your options for redemption.
Some cardholders on Reddit have mentioned a preference for Amex customer service over Capital One. Both issuers offer perfectly adequate support for their credit cards, however, so don't let this concern deter you from getting whichever product is best for your needs.
Read more in our Capital One Savor card review.
Amex Blue Cash Everyday Customer Service
American Express is renowned for its top-tier customer service. Cardholders can access 24/7 support through toll-free phone numbers or online chat via the Amex dashboard or mobile app.
Amex Blue Cash Everyday Consumer Insights
Our team of credit card experts collected online feedback from Reddit cardholders who have the Blue Cash Everyday® Card from American Express to see what reviews they have to share.
Is the Blue Cash Everyday Worth It?
Consumer ratings vary on this credit card, with most potential cardholders asking current cardholders if they think the Blue Cash Everyday® Card from American Express is worth getting. Most people say it depends on whether you max out the bonus categories each year. And while this card is great for bonus rewards on gas and groceries, some cardholders prefer other cards that also earn the same 3% back on these household expenses, many of which are highlighted in Business Insider's guide to the best credit cards for buying groceries and the best credit cards for gas purchases.
Online Retail Purchases Don't Consistently Earn Bonus Points
One cardholder emphasized the value of the card's 3% cash back rewards for online shopping because they live in a rural part of the country where most goods aren't available locally. But another said that online retail purchases don't consistently code as 3% transactions, preferring the Bank of America® Customized Cash Rewards Credit Card for broader rewards in this category.
Amex Blue Cash Everyday Eligibility Requirements
Applicants typically need a good to excellent credit score to get the Blue Cash Everyday® Card from American Express, typically a FICO score of 670 or higher. But Amex considers your full financial profile when evaluating eligibility, so consistent income, proof of financial responsibility, and other qualities can help you establish your creditworthiness.
Amex Blue Cash Everyday Drawbacks
While the Blue Cash Everyday® Card from American Express is a simple cash back credit card with no annual fee, it does have a few drawbacks.
Foreign Transaction Fees
Foreign transaction fees are a significant drawback when you travel overseas or use this card to purchase something from an online retailer that isn't based in the U.S. Foreign transaction fees typically range from 2.7% to 3% of the transaction cost, and can quickly add up on international trips. If you're looking for a card you can use worldwide, consider one of the options from our list of the best credit cards with no foreign transaction fees.
Amex Not As Popular Worldwide
Amex is widely accepted in the U.S., and is growing in popularity on a global scale. However, many international retailers still do not accept Amex, so you may not be able to use this card everywhere even if you're willing to pay the foreign transaction fee.
Amex Blue Cash Everyday Frequently Asked Questions
The Blue Cash Everyday® Card from American Express is a good card for people who spend a lot at U.S. supermarkets and U.S. gas stations, and on U.S. online retail purchases. Cardholders earn 3% cash back on the first $6,000 you spend in each category per calendar year, then 1% back after you reach that threshold (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit). If you don't shop much in these categories, you'll probably earn more from a different credit card.
To be considered for the Blue Cash Everyday® Card from American Express, you'll generally need a good credit score that's at least in the good range, which FICO defines at 670-739.
No. One of the selling points of the Blue Cash Everyday® Card from American Express is that it has no annual fee, so there's no cost to carry this card, as long as you pay your balance in full every month so you don't get charged interest (rates and fees).
The Blue Cash Everyday® Card from American Express is a regular credit card, not a charge card, which means you don't have to pay it off in full each month. That said, you should still pay your statement balance in full each month to avoid incurring interest. The card does have an intro APR offer on purchases, but make sure you're in a position to pay off your balance by the time the intro period ends.
The lowest credit limit on the Blue Cash Everyday® Card from American Express is generally $1,000, but depending on your credit score, you may be approved for a higher limit, possibly as much as $15,000.
Why You Should Trust Us: How We Reviewed the Amex Blue Cash Everyday Card
We evaluate all the credit cards we review using our credit card rating methodology. This methodology prioritizes a credit card's annual fee, welcome bonus, ongoing rewards, other benefits and features, and ease of use. We rate a card from 1 to 5 on each of these factors, and each accounts for 20% of the card's overall rating.
Learn more about how we rate credit cards at Business Insider.
For rates and fees of the Blue Cash Everyday® Card from American Express, please click here.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
