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Compare the Features and Benefits of Blue Cash Everyday® Card from American Express and
United℠ Business Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Purchase Protection
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Annual Statement Credits
Grants Car Rental Status
Amex Offers
Unique Card Benefits
Airport Lounge Access
Free Checked Bags
Priority Boarding
Primary Car Rental CDW Waiver
Does Not Report Credit Line to Personal Credit Profile
Trip Protections
Extended Warranty
Concierge Services
No Foreign Transaction Fees
No Fees for Authorized Users
Free Access to Credit Score
Annual Fee
$0 (Rates and fees)
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 19.24%-29.99% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 19.24%-29.99% thereafter)
Ongoing APR
19.24%-29.99% (Variable)
Balance transfers fees
Either $5 or 3% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Gas Stations

U.S. Gas Stations, up to $6,000 per calendar year in purchases (then 1% thereafter)

3x Groceries

Up to $6,000 per calendar year in purchases in each category (then 1% thereafter). At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)

3x Online Retail Shopping

U.S. Online Retail Shopping, up to $6,000 per calendar year in purchases (then 1% thereafter)

1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms apply. 

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Blue Cash Everyday® Card from American Express is a well-rounded card offering no annual fee and cash back on three key spending categories, including on online purchases. If your focus is on maximizing your earnings towards pure cash back (as opposed to travel rewards), the Everyday Card is a solid option worth considering.

If your spending aligns with purchases at U.S. supermarkets, U.S. gas stations, or U.S. online retail (who doesn’t shop at online retailers?) — and cash back is your main objective from a credit card — then this becomes an even easier decision. That’s because the Everyday Card earns 3% cash back on these three categories, up to $6,000 per calendar year in purchases in each (then 1%). In addition, the Everyday Card offers a statement credit with several merchants including select streaming services and Home Chef, a rarity for a card with no annual fee (enrollment required).

online-retail-blue-cash-everyday-card-from-american-express-review

Of course, it pays to consider other options, including this card’s sister product, the Blue Cash Preferred® Card from American Express and the no-annual-fee Capital One SavorOne Cash Rewards Credit Card. Both of these cards may offer slightly more cash back depending on your monthly expenses.

Rates and fees for the Blue Cash Everyday® Card from American Express

Read more
Purchase Protection
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Amex Offers
yes
Unique Card Benefits
no
Airport Lounge Access
no
Free Checked Bags
no
Priority Boarding
no
Primary Car Rental CDW Waiver
no
Does Not Report Credit Line to Personal Credit Profile
no
Trip Protections
no
Extended Warranty
no
Concierge Services
no
No Foreign Transaction Fees
no
No Fees for Authorized Users
no
Free Access to Credit Score
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $99
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare
2x Transit
2x Gas Stations
2x Dining Out / Food Delivery
2x Office Supplies
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.03) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you’re a business owner contemplating on getting a personal United credit card, it’s worth taking a closer look at the United Business Card first. Cardholders earn 2x unlimited miles on a diverse range of bonus categories, including United purchases (which includes United flights, seat upgrades, wifi or onboard purchases), dining including eligible delivery services, gas stations, office supply stores, and local transit and commuting. All other purchases accrue 1x miles. And don’t forget, beyond the initial hard inquiry when applying for a business card, it won’t report to your personal credit as long as you remain in good standing.


The annual fee is waived for the first year, but will cost $99 every year thereafter. Fortunately, maximizing the card is effortless thanks to its number of tangible benefits. You can get every first checked bag free on United flights and even earn an annual $100 United credit after purchasing seven United flight purchases. Coupled with the opportunity to enter the United Club twice per year ($59 value each time), that’s roughly a $200+ value off the bat toward travel.

Other non-tangible, yet equally useful, benefits that the United Business Card provides include priority boarding, a 25% discount on inflight purchases, and the ability to earn up to 1,000 Premier Qualifying Points every year. Depending on how often you’re flying United every year, these perks offer elite-like benefits just by holding this card.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 1,000 PQPs per year.

If you were purely looking to earn United miles, however, you might well do better with the Chase Ink Business Preferred® Card which would earn 3X Chase Ultimate Rewards points on the first $150,000 spent on all travel purchases, has similar trip protections, and its points transfer 1:1 to United – but also to more than a dozen other airline and hotel partners.

We have a detailed comparison of the United Business Card vs. the Chase Ink Business Preferred Card.

Chase is the issuer of this business card and is quite generous when it comes to providing travel and purchase coverages with high limits. Plus, Chase tends to offer partner benefits exclusively for cardholders. Currently, cardholders can register for one year complimentary DashPass benefits from DoorDash. This perk gets you unlimited deliveries on orders of $12 or greater with no delivery fee and lower service fees overall.

Read more
Purchase Protection
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Annual Statement Credits
no
Grants Car Rental Status
no
Amex Offers
no
Unique Card Benefits
yes
Airport Lounge Access
yes
Free Checked Bags
yes
Priority Boarding
yes
Primary Car Rental CDW Waiver
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Trip Protections
yes
Extended Warranty
yes
Concierge Services
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Free Access to Credit Score
yes

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