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Blue Cash Everyday® Card from American Express

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(4.4) Rating
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Blue Cash Everyday® Card from American Express

A versatile no-annual-fee card.

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(4.4) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Blue Cash Everyday® Card from American Express

A versatile no-annual-fee card.

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. 

💵 Your Projected Rewards Value
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Key facts

The Blue Cash Everyday® Card from American Express is a versatile card ideal for, well, everyday life.

Annual Fee:

$0 (Rates and fees)

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

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

Balance transfer fees

Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign Transaction Fee:

2.7% of each transaction after conversion to US dollars.

With no annual fee and 3% cash back on three broad spending categories, including U.S. online retail purchases of up to $6,000 per calendar year (then 1% thereafter), the Amex Blue Cash Everyday is an ideal card for those looking for easy cash rewards.

Reward multipliers

You’ll earn a robust 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1% thereafter), and 1% cash back on all other eligible purchases.

* 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.)

Earns bonus points for spend in the following bonus categories:

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

3x
Gas Stations

Estimated Rewards Value: 3%

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
Groceries

Estimated Rewards Value: 3%

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

3x
Online Retail Shopping

Estimated Rewards Value: 3%

1x
Everything Else

Estimated Rewards Value: 1%

Key features

1

0% Intro APR on Purchases

0 % Intro APR on purchases for 15 months, 19.24%-29.99% thereafter

(Rates and Fees)

2

0% Intro APR on Balance Transfers

0% Intro APR on balance transfers for 15 months, 19.24%-29.99% thereafter

Balance Transfer Fees: Either $5 or 3% of the amount of each transfer, whichever is greater.

(Rates and Fees)

3

Annual Statement Credits

The Disney Bundle Credit

Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision is 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.

Home Chef Credit

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.

4

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged.

Terms:

The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

5

Grants Car Rental Status

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company.

Terms:

This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc..

6

Amex Offers

Amex Blue Cash Everyday cardholders have access to Amex Offers, a suite of discounts available by enrolling through your online account or in the Amex app and then using the enrolled card to pay.

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Blue Cash Everyday® Card from American Express
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Pros & cons

  • No annual fee and with the provided statement credit offered, you can actually come out ahead.
  • Generous cash back earning (in the form of "Reward Dollars") on three everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1%), and 1% cash back on other eligible purchases.
  • Access to Amex Offers, providing the opportunity to earn even more cash back.
  • Cash back is earned as "Reward Dollars" for a statement credit and can't be converted to Amex Membership Rewards points.
  • There is a limit of $6,000 in spending per year in each eligible 3% cash back bonus category. All other purchases after this earn only 1% cash back.
  • This cash-back credit card carries a 2.7 percent foreign transaction (Rates and Fees).

Blue Cash Everyday® Card from American Express

Learn How to Apply Rates and fees

Our 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

Frequently asked questions

1

Does Blue Cash Everyday® Card from American Express have an annual fee?

No, there is no annual fee (Rates and Fees) on the Blue Cash Everyday® Card from American Express.

2

Does Blue Cash Everyday® Card from American Express get you into airport lounges?

No, the Blue Cash Everyday® Card from American Express does not provide access to airport lounges.

3

Is it hard to get the Blue Cash Everyday® Card from American Express?

This card is not particularly difficult to be approved for as long as you have good to excellent credit. A credit score of at least 700 is recommended to apply.

4

Is it worth getting Blue Cash Everyday® Card from American Express?

For those looking for a cash back card to save money on supermarket, gas, and online purchases with no annual fee, the Blue Cash Everyday is pretty hard to beat.

5

How do I earn cash back with the Blue Cash Everyday® Card from American Express?

To get a statement credit on purchases (earned as “Reward Dollars”), you must spend on the respective bonus categories: 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1 percent). That means if you do any online shopping, go to grocery stores, and fill up on gas, it will be easy to start saving money.

6

Is there a better credit card than the Blue Cash Everyday® Card from American Express?

It pays to consider your other options when looking for a credit card, but the Blue Cash Everyday card is a rock solid choice for cash back rewards in the categories of U.S. supermarkets, U.S. gas stations and U.S. online retail purchases.

7

How does the Blue Cash Everyday® Card from American Express compare to the Blue Cash Preferred® Card from American Express?

8

How does the Blue Cash Everyday® Card from American Express compare to the Capital One SavorOne Cash Rewards Credit Card?

9

Does the Blue Cash Everyday® Card from American Express charge foreign transaction fees?

Yes, the Blue Cash Everyday charges a 2.7% foreign transaction fee (see rates & fees) so it isn’t recommended to use the card on purchases abroad.

10

Does the Blue Cash Everyday® Card from American Express have car rental coverage?

Yes, the Blue Cash Everyday provides secondary car rental insurance when you decline the collision damage waiver (CDW) coverage from the rental car company.

11

Does the Blue Cash Everyday® Card from American Express offer extended warranty?

No, the card does not offer extended warranty coverage.

12

Does the Blue Cash Everyday® Card from American Express offer purchase protection?

Yes, the card offers purchase protection in the form of accidental damage and theft coverage for up to 90 days from the purchase date.

13

Does the Blue Cash Everyday® Card from American Express offer trip protections?

No, the card does not offer trip protections.

14

What credit score do I need to get a Blue Cash Everyday® Card from American Express ?

While other factors besides your credit score play into the approval process, it is recommended to have at least a credit score of 700 to apply.

15

Does Blue Cash Everyday® Card from American Express have Cell Phone Protection?

No, the card does not offer cell phone protection.

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