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Blue Cash Everyday? Card from American Express: Maximize Your Daily Spending

Blue Cash Everyday? Card from American Express review
KEY TAKEAWAYS
  • The Blue Cash Everyday? Card from American Express lets you earn cash back on everyday spending, maximizing cashback when you shop at U.S. supermarkets, U.S. gas stations, and U.S. online retailers.
  • What we think: The Blue Cash Everyday? Card from American Express is one of our favorite cash-back cards out there, with above-average rewards on purchases in everyday categories and no annual fee.
  • The Blue Cash Everyday card doesn’t have an annual fee.
  • The card includes introductory purchase and balance transfer APR offers, which can help you maximize benefits and cash-back opportunities.
  • You’ll need at least good credit to get approved for this card.
SUMMARY

The Blue Cash Everyday? Card from American Express is a cashback card that makes it easy to earn rewards on daily spending. This card is great for people who spend regularly at the grocery store and gas pump as well as those who like to shop online.

Check out our American Express Blue Cash Everyday review below to find out:

  • How you earn cashback with this card and how to redeem it
  • How interest rates and fees impact your ability to earn cashback
  • Whether a similar card might be a better match for you
  • What other perks you can expect as a Blue Cash cardholder
Pros & Cons

Pros

  • No annual fee
  • 0% APR on eligible purchases for 15 months
  • Generous rewards at U.S. supermarkets, U.S. gas stations & online shopping

Cons

  • Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
  • 2.7% foreign transaction fee
  • Low rewards rate outside of bonus categories
Blue Cash Everyday? Card from American Express
LEARN MORE
Key Information
Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases. $0 annual fee.

Is the Blue Cash Everyday? Card from American Express worth it?

Yes, the Blue Cash Everyday? Card from American Express is likely worth it if you’re looking for a no-annual-fee cash back credit card that lets you earn on day-to-day purchases you’d be making anyway.

The best way to maximize your benefits with this card is to use it to make your grocery, gas and online retail purchases rather than using the funds in your checking account. Then, you can use those checking account funds to pay off your statement each cycle to avoid interest expenses that eat into your cashback perks.

Blue Cash Everyday? Card from American Express: Rewards

Unlike travel and luxury rewards credit cards, which often offer cash back or points on purchases the average person doesn’t make on a regular basis, the Blue Cash Everyday card offers benefits on everyday spending.

Welcome bonus

Cash back rewards with this card come out of the gate swinging with an easy-to-earn, attractive welcome offer. To secure the $250 welcome offer, you must spend $2,000 with your Blue Cash Everyday card within the first six months of opening the account.

Earning rewards

Reward potential

Also imagine that you pay off your credit card statement every month, never accruing interest expenses. At the end of the year, you’ve earned $414 in cash without any expense — all for buying things you had to buy anyway.

Redeeming rewards

The Blue Cash Everyday card cash back is earned as Blue Cash Rewards Dollars. These are not points, and you can’t convert the dollars to Membership Rewards points. However, you can redeem them for a statement credit or at Amazon.com checkout.

So, imagine that you have $300 in Blue Cash Rewards Dollars. You want to use them to help cover the cost of a weekend getaway. You could pay for the trip with your Blue Cash Everyday card and then use the cash back to pay down your statement total.

It’s important to note that cash back statement credits don’t reduce your minimum payment due (unless they happen to pay off the entire balance). For example, if you have a balance of $1,000 and a $50 minimum payment due, redeeming $100 in cashback to reduce your balance to $900 doesn’t change the fact that you also have to make that $50 payment.

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Blue Cash Everyday? Card from American Express: Benefits

Disney Bundle credit

Disney lovers can get a credit to reduce the cost of their streaming entertainment consumption when they pay with this card. If you use your Amex Blue Cash Everyday card to cover $9.99 or more each month in Disney Bundle costs on Plus.espn, Hulu.com or DisneyPlus.com, you can get a $7 statement credit monthly. This perk is only valid in the United States. Enrollment required.

Home Chef credit

You can get up to $15 back in statement credit when you use this card to pay for a Home Chef subscription. That’s a benefit of up to $180 per year. Enrollment required.

ShopRunner membership

Being an Amex Blue Cash Everyday cardholder gets you complimentary membership in the ShopRunner program. You can get free two-day shipping on online retail purchases from participating retailers. With more than 100 online stores to shop with, chances are you can find what you need and save on shipping with this perk.

Car rental insurance

Use your Blue Cash Everyday card to cover the entire purchase of a car rental, and you don’t need to pop for extra insurance through the rental company. You get automatic coverage for theft and damage. Note that this is only true in covered territories, so ensure you’re in the right geolocation for this benefit before you count on it.

Purchase protection

Your in-store or online retail purchases may be covered against theft or accidental damage up to 90 days from the date you use this card to make the purchase. This benefit does have limits, so always check your cardholder agreement for the fine print.

American Express Experiences

Blue Cash Everyday credit cardholders can take advantage of this program, which lets you purchase tickets for card-member exclusive events. You can also get access to ticket presales that the general public doesn’t have access to, potentially helping you score entry into popular concerts and other events.

Amex Offers

You can browse special offers and deals in your online account and add them to your card. When you shop for related products through Amex Offers and pay with your Blue Cash Everyday card, you can score significant deals.

Global Assist Hotline

If you’re traveling and are more than 100 miles from your home, this benefit can help you handle emergencies. Helpful representatives at this hotline can recommend legal, medical and other services in the area where you are or offer information about customs or other processes.

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.

Fees, rates & limit

Fees

Interest rates

Having a cash-back credit card with a 0% intro APR offer can be handy. You might use the card to fund a large purchase and pay that balance off over time without accruing interest — all while earning cash back on the purchase itself.

For example, say you want to buy new living room furniture, and the cost is $4,500. You could put it on this card the first month you have it and get 15 months to pay it off without interest. That’s 15 payments of $300. But you also get 1% cash back on the purchase, so you net $45 from the deal (in addition to whatever welcome bonus you might earn).

Credit card limit

Amex Blue Cash Everyday cardholders report credit limits ranging from $1,000 to $20,000 with this card, so you can likely expect your initial credit to fall in that range. American Express may increase your credit limit over time as you handle your account responsibly.

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How the Blue Cash Everyday? Card from American Express compares

Blue Cash Everyday? Card from American Express vs. Blue Cash Preferred? Card from American Express

The Blue Cash Preferred? Card from American Express comes with an annual fee of $95 after the first year (see rates and fees), which means you have to earn more cash back to benefit from the card. However, cash rewards on this card are 6% for U.S. supermarket (on up to $6,000 per year, then 1%) and U.S. streaming services, 3% on transit and U.S. gas station purchases and 1% on all other eligible purchases. Terms apply.

If you know that you’ll spend a lot of money at supermarkets, on public transit, or gas in a year, you may be able to maximize benefits to more than make up for that annual fee. Otherwise, the Blue Cash Everyday card lets you earn a bit of cash back without worrying about overcoming the fee.

For more details, check out our American Express Blue Cash Preferred Card review.

Blue Cash Everyday? Card from American Express vs. Capital One SavorOne Cash Rewards Credit Card

Neither of these cards has an annual fee, but they offer different rewards structures. The Capital One SavorOne Cash Rewards Credit Card offers 3% back on dining, grocery store (excluding superstores like Walmart? and Target?), streaming service and entertainment purchases. If you’re more likely to eat out and catch a movie than shop online or in the grocery store, the SavorOne card may let you earn more cashback than the Blue Cash Everyday card.

For more details, check out our Capital One SavorOne Credit Card review.

Blue Cash Everyday? Card from American Express

Blue Cash Everyday? Card from American Express
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 3% cash back on up to $6,000/year spent at U.S. supermarkets (then 1%), 3% back on up to $6,000/year at U.S. gas stations (then 1%), 3% back on up to $6,000/year on online retail purchases (then 1%), and 1% back on all other eligible purchases. $0 annual fee.
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Blue Cash Preferred? Card from American Express

Blue Cash Preferred? Card from American Express
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 6% back on up to $6,000 spent at U.S. supermarkets each year (then 1% back), 6% back on select U.S. streaming services, 3% back at U.S. gas stations and on transit, and 1% back on other eligible purchases. $0 intro annual fee for the first year, then $95.
Show More Show Less

Capital One SavorOne Cash Rewards Credit Card

Capital One SavorOne Cash Rewards Credit Card
LEARN MORE on Bankrate's secure site
Key Information
Earn 3% cash back on dining purchases, entertainment, and popular streaming services. Earn 3% cash back at grocery stores, and earn 1% cash back on all other purchases. $0 annual fee.
Show More Show Less

Is the Blue Cash Everyday? Card right for me?

The Blue Cash Everyday card is a decent rewards credit card, especially when grocery, gas and online retail purchases make up a good portion of your budget. If you want to earn rewards without the hassle of an annual fee, this may be a good card for you.

However, if you tend to spend more in other categories, such as travel or dining out, or you want a credit card with a lot of travel perks, other rewards cards — including many Amex credit cards — may be a better fit.

How to apply for the Blue Cash Everyday? Card from American Express

You can learn more about the Blue Cash Everyday card and apply online. You’ll need your personal information, such as phone number and address, as well as your Social Security number and date of birth. You will also need to provide some information about your current income and debts. ?

To get approved for this card, you will need at least a good credit score. Typically, the lender looks for credit scores in the high 600s or higher. If you do get approved, you’ll receive your card’s info right away so you can use your card instantly.

Amex Blue Cash Everyday FAQs

Is the Blue Cash Everyday? Card from American Express a charge card?

No, this is not an American Express charge card. It is a traditional credit card, which means you don’t have to pay the balance off every month. However, outside of the introductory offer, carrying a balance will come with interest expenses.

How does cash back work on the Blue Cash Everyday? Card?

You earn cash back when you use your card for purchases. You’ll get 3% cash back when you spend on groceries, gas and online retail purchases. Those rewards are limited to the first $6,000 you spend annually in each category. All other cash back is earned at a rate of 1%. You can redeem your cash back as a statement credit.

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

It’s somewhat challenging to get approved for this card, as you need a credit score at least in the good range.

What credit score do I need for the Amex Blue Cash Everyday? Card?

To get the Amex Blue Cash Everyday card, we recommend you have at least a good credit score (670 FICO score or higher). However, your credit score isn’t the only factor the lender will consider, so you may be approved if your score is slightly lower or denied even if your score is within that range.

Does the Blue Cash Everyday? Card from American Express have a foreign transaction fee?

Yes, the Blue Cash Everyday? Card from American Express has a 2.7% foreign transaction fee, so it’s not the best card for traveling outside the U.S.

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

Sarah Stasik
Sarah Stasik Personal Finance

Sarah Stasik is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

With more than a dozen years of writing experience, Sarah has tackled niches that range from technical advances in fintech to personal budgeting challenges. She has covered topics such as insurance and the economics of private healthcare, small business management and accounting, and credit and savings. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful and relevant resources for readers.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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