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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.
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.
The Blue Cash Everyday does not have an annual fee. The card has a variable interest rate of 18.49%-29.49% Variable APR, and it offers 0% APR on purchases and balance transfers for your first 15 months as a cardholder.
| Annual Fee | Interest Rate | Foreign Transaction Fee |
| None | 0% for first 15 months, then 18.49%-29.49% Variable APR | 2.7% |
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 $200 in statement credits after 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.
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.
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.
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.
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.
The Blue Cash Everyday card comes with 0% APR for 15 months. New cardholders earn a $200 statement credit after they spend $2,000 in their first six months.
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 $200 in welcome bonuses, and 0% APR for 15 months (then a variable interest rate of 18.49%-29.49% Variable). 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.
This review was completed based on information from the American Express website.
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.
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.
