Blue Cash Everyday® Card from American Express | finder.com

Blue Cash Everyday® Card from American Express review – August 2018

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Offers solid cashback rewards on everyday spending.

30-second take

  • Get this card if you spend a lot on groceries and gas, and you don’t want an annual fee.
  • Pick something else if you’re looking for a general cashback card, or if you want travel rewards.
  • Apply with a good to excellent credit score of 680 or higher.
Product NameBlue Cash Everyday® Card from American Express
Card TypeAmerican Express
Annual Fee$0
APR (Annual Percentage Rate) for Purchases14.74% to 25.74% variable
Introductory Purchase APR0% for the first 15 months (then 14.74% to 25.74% variable)
Introductory Balance Transfer APR 0% for the first 15 months (then 14.74% to 25.74% variable)
Balance Transfer Fee3% or $5 of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Cash Advance Fee$5 or 3% of the cash advance amount, whichever is greater
Foreign Transaction Fee2.7% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$0
Late Payment Fee$38
Returned Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 200 cash back after spending $1,000 in the first 3 months
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

The basics

The Blue Cash Everyday® Card from American Express is similar to the Blue Cash Preferred® Card, with a few differences. It offers a slightly smaller welcome offer and less cash back than its counterpart. On the plus side, it offers a better intro APR and has no annual fee.

The biggest difference between the two cards is the cash back you’ll receive.

The Blue Cash Everyday® Card from American Express offers:

  • 3% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
  • 2% cash back at US gas stations and some US department stores.
  • 1% cash back on other eligible purchases.

The Blue Cash Preferred® Card offers:

  • 6% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% cash back at US gas stations and some US department stores.
  • 1% cash back on other eligible purchases.

Should you get one of these cards? And which one should you choose?

To start, determine if most of your spending goes toward gas and groceries. If it does, either card is a good choice.

Next, calculate which card will bring you the biggest benefits. The key factor here is the annual fee: The Blue Cash Preferred® Card has a $95 annual fee, while the Blue Cash Everyday® Card from American Express has no annual fee. Consider your spending and whether the cash back you’ll receive is higher than the annual fee. You’ll quickly figure out which card is better for you.

Calculating which Blue Cash card brings you the most cash back

Picking the right card comes down to analyzing your spending and doing some quick math.

Suppose you spend $6,000 a year on groceries:

  • The Blue Cash Preferred® Card gives you 6% cash back, for a total of $360 cash back. It has a $95 annual fee, so you effectively get $265 cash back.
  • The Blue Cash Everyday® Card from American Express gives you 3% cash back, for a total of $180 cash back.

That’s a win for the Blue Cash Preferred® Card, and we haven’t factored in what you’ll spend on gas and other purchases.

Of course, you might not spend much on gas and groceries, in which case the Blue Cash Preferred® Card might not be worth it. Check your typical expenses and pick the card that works for you.

You may want accelerated cash back on more than just gas and groceries. In that case, you might fare better with a general cashback card like the Citi® Double Cash Card, which offers 1% cash back as you spend and another 1% as you pay off your purchases.

The perks

  • Annual fee: None.

    A $0 annual fee means you don’t have to worry about earning enough rewards to make the card worth paying for.

  • Welcome offer: $200 cash back.

    When you spend $1,000 in purchases within the first 3 months of your account opening, you’ll earn $200 in the form of statement credit.

  • Intro APR: 0% intro APR on purchases and balance transfers for the first 15 months.

    This is a strong intro APR — one of the best you’ll find among rewards cards. To receive a 0% APR on balance transfers, you must make your transfers within the first 60 days of account opening.

    After the intro APR expires, you’ll have a purchase and balance transfer APR of 14.74% to 25.74% variable.

  • Cash back: Up to 3%.

    The Blue Cash Everyday® Card from American Express is best for groceries and gas. Earn 3% cash back at US supermarkets on up to $6,000 per year in purchases and 1% afterward, and 2% cash back at US gas stations and some US department stores.

    On other eligible purchases, you’ll earn 1% cash back. Receive cash back in the form of Reward Dollars, which you can redeem for statement credit.

You’ll also like …

  • Travel protection.

    You’ll have access to the American Express Global Assist Hotline and Roadside Assistance Hotline, which you can use if you find yourself in a pinch on vacation. Also, get complimentary car rental insurance and travel accident insurance.

  • ShopRunner benefits.

    Get a free ShopRunner membership and enjoy free two-day shipping and returns on purchases from stores in the ShopRunner network.

  • Purchase benefits.

    You’ll receive extended warranties on eligible items you buy with your card. Also, you may qualify for a refund from American Express if a merchant won’t accept a product as a return 90 days after your purchase. Lastly, your eligible items are covered against theft and accidental damage by purchase protection.

  • Cardmember-only entertainment.

    As a cardholder, you’ll have access to exclusive events and ticket presales.

What to watch out for

  • Limited time for balance transfers.

    To take advantage of the intro APR for balance transfers, you need to make transfers within the first 60 days after you open your account.

  • Not as widely accepted overseas.

    Because this is an American Express card, you might not have as many opportunities to use it overseas as you would a Visa or Mastercard.

  • Penalty APR.

    American Express may assess a penalty APR of up to 29.99% variable if you make a late or returned payment.

  • Foreign transaction fees.

    You’ll incur a 2.7% transaction fee if you use your card abroad and potentially if you use it on a foreign website.

  • Other transaction fees.

    You’ll pay a fee when you make a balance transfer or cash advance.

  • It hurts to pay late.

    Making late or returned payments could saddle you with fees as high as $38 per infraction.

Consider other cards if …

  • You don’t spend much on gas and groceries.

    You may get better cash back with a flat-rewards product like the Citi® Double Cash Card.

  • You have a high volume of spending on gas and groceries.

    It may be worth paying an annual fee for the Blue Cash Preferred® Card, which offers up to 6% cash back. You may accumulate more rewards in the long run.

  • You want travel rewards.

    The Blue Cash Everyday® Card from American Express is a great cashback product, but it isn’t a top choice for travel rewards. Look for cards like the Chase Sapphire Preferred® credit card or Barclaycard Arrival® Plus World Elite Mastercard®.

    Compare cash back credit cards

    Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
    14.74%, 18.74% or 24.74% variable
    0% for the first 15 months (then 14.74%, 18.74% or 24.74% variable)
    $0
    Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
    19.74% to 25.74% variable
    $0 to $99
    Get 1% cash back rewards on eligible purchase, terms apply.
    14.74% to 25.74% variable
    0% for the first 15 months (then 14.74% to 25.74% variable)
    $0
    Earn $200 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
    14.74% to 25.74% variable
    0% for the first 12 months (then 14.74% to 25.74% variable)
    $95
    Earn $250 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
    15.24% to 25.24% variable
    0% for the first 18 months (then 15.24% to 25.24% variable)
    $0
    Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
    14.99% to 24.99% variable
    0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
    $0
    Earn more cash back for the things you buy most.
    16.74%, 22.49% or 25.49% variable
    $0 annual fee for the first year ( thereafter)
    Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

    Compare up to 4 providers

    What should I know before I apply?

    To apply for the Blue Cash Everyday® Card from American Express, you must be:

    • At least 18 years old.
    • A US citizen or permanent resident.

    What credit score do I need?

    You’ll have a better chance of being approved for the Blue Cash Everyday® Card from American Express if you apply with a good to excellent credit score of 680 or higher. If you have at least a good credit score and a relatively high annual income, you may be the type of customer American Express is looking for.

    Here are a few other factors that might affect your odds of approval:

    • How many hard pulls you have on your credit report.
      If you have several hard inquiries — or hard pulls — on your account, it might make you look desperate for credit. This implies you’re having trouble managing your debt, and American Express may be less likely to take you on as a customer.
    • Factors that tie into your credit score.
      Credit utilization is a major factor that American Express will consider. Providers prefer customers who have low balances relative to their credit limits. Having many new card accounts may be a red flag, too, as it may indicate you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for welcome bonuses.

    Compare Blue Cash Everyday® Card from American Express to Premier Rewards Gold Card from American Express

    What do customers say about the Blue Cash Everyday® Card from American Express?

    Customers generally have great things to say about the Blue Cash Everyday® Card from American Express. Those with families find the card useful, and many cardholders cite the card’s grocery and gas cash back as their favorite feature.

    As of this writing, American Express earns a Trustpilot score of 3.1 out of 10 and an A+ rating from the Better Business Bureau. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.

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

    1. On the American Express website, click Apply Now.
    2. Fill out the application form with information like your Social Security number, home address, income source and total annual income.
    3. Review and submit your application.

    How long will it take to get my Blue Cash Everyday® Card from American Express?

    Because conditional credit card approval is automated on the website, you may get a decision on your application within 60 seconds. If there are issues with your application, it may take a few days to a few weeks to hear back.

    After you’re approved, you’ll typically receive your card within 7 to 10 business days.

    I got the card. Now what?

    • Make timely payments. Register an account at the American Express website to pay your balance online. You can also enroll in autopay.
    • Avoid interest. After the close of each billing cycle, you have a grace period of at least 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
    • Avoid fees. Late and returned payments come with hefty fees of up to $38. Balance transfers, cash advances and foreign transactions also come with fees.
    • Contact customer service. Help documents aren’t easily accessible on the American Express website, but you can call 1-800-528-4800 to get in touch with customer service. According to market research company J.D. Power, cardholders give American Express high marks for customer interaction.

    Bottom line

    The Blue Cash Everyday® Card from American Express offers solid rewards for groceries and gas. Since it has no annual fee, it’s an excellent choice if you want no-fuss cash back. You may want to investigate other American Express credit cards or look into cards from other providers before making your choice to get the card that best fits your daily life.

    Frequently asked questions

    Images: americanexpress.com

    Megan Horner

    As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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