Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Blue Cash Everyday® Card from American Express review

Get up to 3% cash back as statement credit on select categories, plus up to a $200 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.

$200

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 offerEarn a $200 statement credit after spending $2,000 in the first 6 months
Rewards3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on 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
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 $200 back after you spend $2,000 in the first 6 months of account opening.

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.

One drawback? Amex recently removed the balance transfer capabilities of this card. While this isn’t a huge deal given balance transfers weren’t the primary perk of the card, it does mean your Amex balance transfer options are now more limited.

Overall, this can be an excellent no-annual-fee cashback card if you spend less than $300 each month on groceries. But if you spend more than that, consider upgrading to the Blue Cash Preferred® Card from American Express, which will earn you enough cash back to cover the annual fee and then some.

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. 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. Here’s how to apply.

  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.
Blue

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. You can earn up to a $200 welcome offer. $200 back as statement credit after you make $2,000 in purchases within the first 6 months of account opening.
  • 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.
  • Plan It. The Plan It feature allows you to create payment plans for large purchases. Typically you’d pay a fee of up to 1.33% of the purchase to create this plan, but for the first 15 months of account opening you can create these plans for $0.

Blue Cash Everyday® Card from American Express drawbacks

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.

Blue Cash Everyday® Card from American Express customer 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.

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.

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.

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

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

Welcome offer

Earn a $200 statement credit after spending $2,000 in 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 other purchases (redeem as statement credit)

Welcome offer

$300 statement credit after spending $3,000 in the first 6 months

What’s changed with the Blue Cash Everyday® Card from American Express

09/30/2021Removed:Earn 20% back on Amazon.com purchases on the card within the first 6 months of Card Membership, up to $200 back.Changed: Earn a $200 statement credit after you spend $2,000 in purchases on your card within your first 6 months.Added: Create Plan It pay plans for $0 for your first 15 months from account opening.

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.

Apply now

Images: americanexpress.com

Cashback card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site