We earn commissions from brands listed on this site, which influences how listings are presented.
BestMoney.com

Blue Cash Everyday® Card from American Express Review

Blue Cash Everyday® Card from American Express
Visit Site
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Michael Graw
Sep. 19, 2024
4 min read
Michael Graw
Blue Cash Everyday® Card from American Express Summary
The Blue Cash Everyday® Card from American Express offers 3% cash back on several everyday spending categories. The 3% cash back offer is limited to the first $6,000 spent in each category, and 1% thereafter (received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout). The card has no annual fee & comes with a 0% introductory APR for 15 months (then a variable APR of 18.74%-29.74%).

Pros

  • High cash back rate
  • No annual fee

Cons

  • Requires good to excellent credit
  • Spending caps on rewards

Blue Cash Everyday® Card from American Express at a glance

10
Editorial score

Fees

No annual fee
10.0

APR

18.74%-29.74% variable
10.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
10.0

Customer service

24/7 service with multiple communication options
10.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
10.0

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.

Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express Learn More   

Overview

American Express is a global credit card provider with more than 120 million cards in circulation. The company offers numerous rewards credit cards, including the Blue Cash Everyday and its sister card, the Blue Cash Preferred® Card from American Express.

The Blue Cash Everyday card offers cash back on common expenditures with no annual fee See Rates & Fees. You earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases on your first $6,000 of annual spending in each of these categories. After that, you earn 1% cash back. You also earn unlimited 1% cash back on all other purchases. The card also offers rotating statement credits for selected retailers and streaming services. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

* Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Suitable for?

The Blue Cash Everyday card is best suited for individuals who want cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. There is no annual fee and no rotating categories to worry about, which makes using this card simple.

Blue Cash Everyday offers a lower rewards rate at U.S. supermarkets compared to the Blue Cash Preferred card from American Express. However, the latter card has a $95 annual fee See Rates & Fees and doesn’t offer bonus cash back for online retail. Blue Cash Everyday may be a better option for individuals who spend less than $1,500 at U.S. supermarkets each year or spend a lot of money at online retailers.

The Blue Cash Everyday also includes statement credits for specific services like The Disney Bundle and Home Chef. If you use these services, Blue Cash Everyday offers cash back without charging an annual fee.

Interest Rates and Fees

The Blue Cash Everyday does not have an annual fee. The card has a variable interest rate of 18.74%-29.74% APR, and it offers 0% APR on purchases and balance transfers for your first 15 months as a cardholder.

Annual FeeInterest RateForeign Transaction Fee
None0% for first 15 months, then 18.74%-29.74% APR2.7%

Rewards & Cash Back

The Blue Cash Everyday card offers 3% cash back at US supermarkets, gas stations, and online retailers. You’ll receive 3% cash back on your first $6,000 of spending in each of these categories, then 1% cash back thereafter. All other purchases earn unlimited 1% cash back. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

The card also comes with a $7 monthly statement credit for The Disney Bundle and a $15 monthly statement credit for Home Chef. American Express offers an additional rotating selection of offers for specific retailers.

New cardholders can receive $100 in bonus cash when they spend $2,000 in their first six months. They can also receive 20% cash back up to $150 total when they use their card for online checkout with PayPal. This offer is valid for a new cardholder’s first six months.

The Application Process

You can apply for the Blue Cash Everyday card online. The online application requires your name, email, phone number, birth date, social security number, and annual income. You can get an approval decision instantly without impacting your credit score. American Express requires a minimum credit score of 670 to qualify for the Blue Cash Everyday.

If you are pre-approved, you can complete the application by submitting a hard credit check. American Express will send your new card through the mail. It usually takes seven to 10 days to arrive.

Help & Support

American Express offers 24/7 phone, email, and live chat support for cardholders. There are dedicated hotlines for fraud prevention and emergency global assistance. 

New applicants who are not American Express cardholders can get in touch with customer support via phone from 6am to 2am (ET) seven days a week.

The American Express website has a detailed online knowledge base with guides to each card the company offers.

Security

American Express uses SSL encryption to secure its online card application and 256-bit AES encryption to secure its customer portal. You can also set up 2-factor authentication for your online account.

American Express has a 24/7 fraud prevention center. You can call American Express to lock your card or use the American Express mobile app to lock and unlock your card anytime.

FAQs

Is it hard to get the Blue Cash Everyday card?

American Express requires a minimum credit score of 670 for the Blue Cash Everyday credit card. You can find out if you’re pre-approved online without impacting your credit score.

Does the Blue Cash Everyday card have a welcome bonus?

The Blue Cash Everyday card comes with 0% APR for 15 months. New cardholders earn a $100 welcome bonus when they spend $2,000 in their first six months. They can also receive up to $150 cash back when using their card to checkout with PayPal in the first six months.

Conclusion

The Blue Cash Everyday® Card from American Express is a cash back rewards card with no annual fee. You earn 3% cash back on your first $6,000 of spending across U.S. supermarkets, gas, and online retail categories, plus 1% cash back on all other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card offers statement credits, up to $250 in welcome bonuses, and 0% APR for 15 months (then a variable interest rate of 18.74%-29.74%). Overall, Blue Cash Everyday is a great credit card for individuals with low overall spending who want cash back at U.S. supermarkets, gas, and online purchases.


Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express Learn More

Methodology

This review was completed based on information from the American Express website.

Disclaimers

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.

Editorial Disclosure

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
Top Credit Cards
Chase Sapphire Reserve
Chase Sapphire Reserve
Read Review|Visit Site
Read all reviews

Must Reads

How to Get Approved for a Credit Card
Nov. 08, 2024
The Ultimate Travel Credit Card Guide
Nov. 08, 2024
What is a Credit Builder Credit Card?
Nov. 08, 2024
Read all articles