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Blue Cash Everyday® Card from American Express review

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Get up to 3% cash back as statement credit on select categories, plus up to a $250 total welcome offer.

finder.com’s rating: 4.5 / 5.0

★★★★★

  • Get this card if you spend less than $300 each month on groceries.
  • Pick the Blue Cash Preferred® Card from American Express if you spend more than $300 on groceries.
  • Apply with a good to an excellent credit score of 670 to 850.

$100

Welcome offer

Up to 3%

Cash back

$0

Annual fee

0%

Intro purchase APR

for the first 15 months (then 13.99% to 23.99% variable)

Details

Annual fee$0
Welcome Offer20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
Rewards2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
Purchase APR0% intro for the first 15 months (then 13.99% to 23.99% variable)
Balance transfer APRN/A
Recommended minimum credit score670
IssuerAmerican Express

Review by


Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

Expert review

The Blue Cash Everyday® Card from American Express is a $0-annual-fee cashback card that offers bonus rewards at US grocery stores, US gas stations and some US department stores. It comes with a welcome offer of $100 back after you spend $2,000 in the first 6 months of account opening, and 20% back on Amazon purchases, up to $150 total during the same time frame. Plus, you’ll find an intro APR on purchases.

The card’s standout feature is the 3% cash back as statement credit at US supermarkets on up to $6,000 per calendar year in purchases, then 1%. While this isn’t the highest rewards rate on the market, it’s simple and effective. The story is much the same with the card’s gas rewards: 2% cash back isn’t spectacular, but it’s solid considering you won’t pay an annual fee.

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

To apply for the card, you must be at least 18 years old and a resident of the US. Here’s how to get the card:

  1. Click Apply now.
  2. Complete the application with details such as your full name, date of birth, contact information, Social Security number and total annual income.
  3. Review your information and submit your application.

What credit score do I need?

You’ll have the best odds of approval for this card if you apply with a good to excellent credit score of 670 or higher.

Who is the Blue Cash Everyday® Card from American Express best for?

This card is best for someone who spends less than $300 monthly on groceries and as much or less on gas.

Who is it not best for?

This card isn’t the best choice for someone who spends between $300 and $500 on groceries and gas per month, as they can earn stronger rewards with other cards, such as the Blue Cash Preferred® Card from American Express.

Blue Cash Everyday® Card from American Express benefits

The Blue Cash Everyday® Card from American Express is a well-rounded card with good rewards on everyday purchases. Here’s why you should consider it:

  • No annual fee. This card offers lower rewards than you’ll find with the Blue Cash Preferred® Card from American Express, but you won’t have to worry about a yearly cost.
  • Great for grocery shopping. If you’ve had your eye on the Blue Cash Preferred® Card from American Express but thought it was too expensive, the Blue Cash Everyday® Card from American Express is a great alternative. You’ll earn an attractive rewards rate on groceries: 3% cash back at US supermarkets on up to $6,000 in annual qualifying purchases, then 1%. There aren’t many other no-annual-fee choices if you want a similar grocery rewards rate.
  • Solid for gas and department stores. You’ll also earn unlimited 2% cash back at US gas stations and some US department stores. This is a solid rate, especially as there’s no annual fee, and it’s a good pair with the card’s grocery rewards rate. The Blue Cash Everyday® Card from American Express also offers 1% cash back on other eligible purchases.
  • Decent welcome offer. $100 back as statement credit after you make $2,000 in purchases within the first 6 months of account opening, and 20% back on Amazon purchases, up to $150 total during the same time frame.
  • Good intro APR on purchases for a rewards card. The Blue Cash Everyday® Card from American Express has a 0% intro APR on purchases for 15 months after account opening, then 13.99% to 23.99% variable. An intro APR can help you make the purchases you need and pay them off over time without accruing interest. Unfortunately, the intro APR on balance transfers this card used to have was too good to last. In fact, you can’t perform a balance transfer with this card at all, so you’ll need to look elsewhere if a balance transfer is high on your priority list.

What to watch out for

The Blue Cash Everyday® Card from American Express is a well-rounded card without significant weaknesses. Still, there are a few things to watch out for before applying:

  • Think twice before bringing it overseas. The Blue Cash Everyday® Card from American Express has a lower foreign transaction fee than you’ll pay with other cards — 2.7% of each foreign purchase — but it’s still not the best choice when you’re traveling abroad. To be fair, the Blue Cash Everyday® Card from American Express isn’t an outlier. Many of its cashback competitors also charge foreign transaction fees. Beyond foreign transaction fees, the card may have limited acceptance in other countries. While Amex is widely valid internationally, there are some merchants who won’t accept it. If you’re traveling abroad, it’s best to have a backup card, such as a Visa.
  • Annual cap on the 3% cashback tier. The Blue Cash Everyday® Card from American Express can be a great deal if groceries are a substantial part of your monthly expenses. But you’ll only earn 3% cash back at US supermarkets on the first $6,000 in qualifying purchases every calendar year, after which you’ll earn 1% cash back. That $6,000 yearly cap comes out to $500 a month.
  • No reward transfers. Cash back is simple, but it’s often limited in terms of redemption options. For the Blue Cash Everyday® Card from American Express, Amex lets you redeem cash back for statement credit, gift cards and merchandise. Statement credit offers the best value, giving you a 1-cent-per-point rate. Unfortunately, you can’t transfer your rewards to travel partners such as airlines or hotels. Some travel cards offer this benefit, giving you lots of redemption flexibility.
  • There’s a minimum to redeem cash back. There’s a policy buried in the Blue Cash Everyday® Card from American Express‘s fine print that reads:

    “You can redeem rewards dollars for statement credits whenever your reward dollars balance is 25 or more.”

    This might not be a dealbreaker for you, but it could be a drag. It means that beyond the welcome offer, you’ll need to spend at least hundreds of dollars before you can redeem cash back.

  • Top rewards rate applies only to standalone supermarkets. The Blue Cash Everyday® Card from American Express might seem like a good choice for groceries at Walmart or Target. However, Amex is careful to exclude superstores and warehouse clubs from the card’s top rewards rate. To reach the 3% cashback tier, you’ll need to shop at standalone supermarkets.

What are my preapproval odds?

You can see if you’re prequalified for this card by visiting the American Express prequalification page. Once you enter the required information, Amex will show you a list of cards you’re prequalified for. If you see the Blue Cash Everyday® Card from American Express on that list, it means you fit the credit profile for the card.

Whether or not you’re prequalified, remember that approval is never guaranteed. When you apply for the card, Amex will pull your credit report and decide whether to extend credit to you.

Blue Cash Everyday® Card from American Express reviews and complaints

Online users generally have good things to say about the Blue Cash Everyday® Card from American Express, citing features such as the $0 annual fee, strong everyday rewards and solid intro APR. Users often advise others to get the card for grocery spending. Some note that the Blue Cash Preferred® Card from American Express can be a better choice due to its higher top rewards rate.

Knowledgeable users sometimes point out the $25 minimum for cashback redemption and the fact that the 3% rate doesn’t apply to superstores. Unfortunately, other users often learn this information too late.

Other customers advise getting prequalified for this card, which is excellent guidance. Before risking a hard pull on your credit, you can see if you fit the credit profile for the card.

How much cash back can you earn with the Blue Cash Everyday® Card from American Express

CategorySpendingCashback earned
US supermarkets (3% on up to $6,000 annually, then 1%)$500$15
Gas from US stations and transit (2%)$200$4
Select US department stores (2%)$150$3
Other purchases (1%)$600$6

Total monthly cash back: $28. This comes out at $336 cashback earned annually. This makes the Blue Cash Everyday a good choice for those who spend less than $300 on groceries each year.

Other cards to consider

If you’re not quite sure the Blue Cash Everyday® Card from American Express is best for you, there are plenty of other options to consider. These include:

  • Blue Cash Preferred® Card from American Express. While you’ll pay a $95 (see Terms apply, see rates & fees) annual fee from the second year on, you’ll get a much higher rewards rate at US supermarkets and a superior rate at US gas stations.
  • Bank of America® Cash Rewards Credit Card. Another good choice for everyday purchases. Bank of America’s card is different in that its 2% cashback tier is for grocery stores and wholesale clubs, while its top cashback tier is your choice of gas, dining, travel and other categories.
  • Amex EveryDay® Credit Card. If you don’t want to pay an annual fee but you’re game for squeezing value out of points, this card is a great option.
  • American Express® Gold Card. If you have a substantial grocery bill each month, this card can help. You’ll earn 4x Membership Rewards points at US supermarkets on up to $25,000 in qualifying purchases each calendar year, then 1x points.

How to make the most out of your card

Here’s how you can squeeze as much value out of this card as possible:

  • Qualify for the welcome offer.
    You have 6 months after getting approved to meet the spending requirement.
  • Pair it with another card. The Blue Cash Everyday® Card from American Express offers good rewards for spending at US supermarkets, US gas stations and some US department stores, but offers sparse rewards elsewhere. For that reason, you might want to pick up another card that covers this card’s weaknesses. For example, you could pair the card with either the American Express Cash Magnet® Card or the Citi Double Cash Card and use either of the two on categories where you would otherwise earn 1% back with the Blue Cash Everyday card.
  • Get as close as possible to your $6,000 yearly cap on US-supermarket bonus rewards.
    If you don’t spend $6,000 a year on groceries, consider what else you need in your daily life that’s available at the supermarket — vitamins, cleaning supplies, office supplies, etc. Your supermarket may also let you buy gift cards with your credit card.
  • Leverage the intro APR.
    The card comes with a solid intro APR, so now might be a good moment to make purchases you’ll pay off over a longer period of time. If you do, however, check that you can clear your balance before your intro APR expires. If you don’t, you’ll start accruing interest at the card’s normal APR.
  • Avoid the penalty APR.
    If you make a late or returned payment, Amex may raise all of your APRs to 29.99% variable. This also means you could lose your intro APR.

Bottom line

The Blue Cash Everyday® Card from American Express is a well-rounded product with no annual fee. It offers good rewards on eligible groceries, gas and department store purchases. Because you don’t have to pay anything to own the card, you can keep more of your rewards in your pocket.

While it’s an effective card, it doesn’t offer the highest rewards on groceries. Consider other grocery credit cards if you want more options.

Compare Blue Cash Everyday to similar credit cards

We’ve gathered a quick comparison of the Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express vs. the Chase Freedom Unlimited® to help you decide between which is a better fit for you. See how the Blue Cash Everyday compares to similar cards in terms of rewards, welcome offer, intro APR period and annual fee.

Blue Cash Everyday® Card from American Express

★★★★★

Finder Rating: 4.6 / 5

Terms apply, see rates & fees
Go to site

Minimum credit score

670

Annual fee

$0

Purchase APR

0% intro for the first 15 months (then 13.99% to 23.99% variable)

Balance transfer APR

N/A

Rewards

2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)

Welcome offer

20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months

Blue Cash Preferred® Card from American Express

★★★★★

Finder Rating: 4.3 / 5

Terms apply, see rates & fees
Go to site

Minimum credit score

670

Annual fee

$0 intro annual fee for the first year ($95 thereafter)

Purchase APR

0% intro for the first 12 months (then 13.99% to 23.99% variable)

Balance transfer APR

N/A

Rewards

6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)

Welcome offer

20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months

Apply now

Frequently asked questions

How do I redeem my rewards?
You’ll receive rewards in the form of reward dollars. You can redeem these for statement credits, gift cards or merchandise. To redeem your rewards, log in to your online Amex account and navigate to the “Use Reward Dollars” section. Statement credits are typically the best value, because 1 reward dollar translates to $1 in statement credits. Watch out for select redemptions that give you less than a 1 reward dollar = $1 rate. Merchandise tends to be a poor value — you’re often better off simply buying items outside of the Amex portal.

Does the Blue Cash Everyday allow authorized users or cosigners?
Yes and no. You can add additional card members by logging in to your Amex account or calling the support number on the back of your card. Keep in mind that additional card members aren’t eligible for the card’s welcome offer, and they can’t request balance transfers. Amex doesn’t allow cosigners. If you need someone else to apply for a card with you, consider other issuers that allow cosigners.

Can I use Pay It Plan It with this card?
Yes, but only if Amex enrolls your card in the Pay It Plan It program.

Images: americanexpress.com

Cashback card ratings

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★★★★★ — Good

★★★★★ — Average

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★★★★★ — Poor

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