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The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It’s an especially valuable choice for purchases at US supermarkets, gas stations, and online retail purchases, thanks to its bonus earning categories.
Review: Is the Amex Blue Cash Everyday the right card for you?
Grocery stores, gas stations, and online shopping are some of the biggest credit card expenses for many people, and what better way to combat some of your highest expenses than getting cash back in all three of those categories?
The Blue Cash Everyday® Card from American Express earns cash back on every purchase, with no annual fee. It’s an especially good choice for purchases in its bonus categories. You’ll get 3% cash back on the first $6,000 spent at U.S. supermarkets each calendar year (then 1% back), 3% cash back at U.S. gas stations on up to $6,000 per year (then 1% back), 3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1% back), and 1% cash back on other purchases (cash back is received in the form of Reward Dollars).
The Blue Cash Everyday® Card from American Express offers cash back in lieu of miles or points, but the upside of earning cash back is that you can use it for travel expenses that aren’t covered by travel rewards points, or of course for any type of expense.
And then there’s the welcome offer: earn a 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back (plus, you can earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months). This can start you out with a nice bit of cash back right out the door.
How to earn cash back with the Amex Blue Cash Everyday
The Blue Cash Everyday® Card from American Express has a handful of bonus categories, so you can maximize your cash back on certain purchases. You’ll earn:
3% cash back at U.S. supermarkets on up to $6,000 spent per year (then 1% back)3% cash back at U.S. gas stations on up to $6,000 spent per year (then 1% back)3% cash back on U.S. online retail purchases on up to $6,000 spent per year (then 1% back)1% cash back on all other eligible purchases
How to redeem your cash back
The fact that the Blue Cash Everyday® Card from American Express earns cash back instead of points is both a good thing and a bad thing. It’s a good thing if you’re looking for a simple rewards program. Because you’re just getting cash back, there is no such thing as a “bad” redemption — the value of cash never changes.
The flip side of that is that there is not really a “good” redemption, either. All redemptions are just statement credits that are redeemed at the same value no matter what.
You can redeem your reward dollars for statement credits whenever your available reward dollars balance is $25 or more. You cannot use cash back to pay your minimum balance due.
Blue Cash Everyday card features
Because the Blue Cash Everyday® Card from American Express is fairly basic, there aren’t a lot of the ancillary benefits that come with some other cards. Beyond the 3% bonus categories and no annual fee, there are a few benefits.
Intro APR offer
One benefit that might be of use to some people is the introductory 0% APR rate. You get a Blue Cash Everyday® Card from American Express, then a 13.99% to 23.99% variable APR will kick in.
Disney Bundle statement credit
As part of its update in July 2022, the Blue Cash Everyday® Card from American Express added a statement credit toward the Disney Bundle for streaming service, which includes Disney+, Hulu, and ESPN+. If you enroll your card for this benefit and pay $13.99 or more each month for the bundle with your card, you’ll get $7 back each month in the form of a statement credit posted in your account. Annually, this gets you up to $84 back in statement credits.
Home Chef statement credit
Another new statement credit benefit is for the Home Chef meal-kit service. If you use the Blue Cash Everyday® Card from American Express to make Home Chef purchases, you’ll get up to $15 back as a statement credit each month (up to $180 in credit each year). As with the Disney Bundle benefit, you need to enroll your card to be eligible for this perk.
Blue Cash Everyday costs and fees
The Blue Cash Everyday® Card from American Express has no annual fee but does charge a variety of other fees.
The card charges a variable interest rate, currently a 13.99% to 23.99% variable APR, based on your creditworthiness and other factors as determined at the time of account opening. The card does offer a Blue Cash Everyday® Card from American Express, after which the 13.99% to 23.99% variable APR rate takes effect .
For cash advances, there’s a fee of $10 or 5% of the amount of each cash advance, whichever is greater and an interest rate of 26.74% . The penalty APR on the card is 29.99% (variable) and late and returned payments cost up to $40 each.
Blue Cash Everyday versus other Amex cash-back cards
Blue Cash Everyday® Card from American ExpressAmerican Express Cash Magnet® CardBlue Cash Preferred® Card from American Express
Annual fee
$0
Annual fee
$0
Annual fee
Limited Time Offer: $0 introductory annual fee for one year, then $95. Offer Expires 12/10/2020
Earning cash back
3% back at US supermarkets*
3% back at US gas stations*
3% back on US online retailer’s*
1% back on all other purchases
Earning cash back
1.5% cash back on all purchases (cash back is received in the form of Reward Dollars)
Earning cash back
6% back at US supermarkets (cash back is received in the form of Reward Dollars)**
Welcome offer
Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back (plus, you can earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months)
Welcome offer
Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months
Welcome offer
Earn $300 statement credit after you spend $3,000 in purchases in the first 6 months from account opening
Intro APR
Blue Cash Everyday® Card from American Express, then 13.99% to 23.99% variable APR
Intro APR
American Express Cash Magnet® Card, then 15.74%-24.74% Variable
Intro APR
0% intro APR on purchases for 12 months from account opening , then 13.99% to 23.99% variable APR
Blue Cash Everyday® Card from American Express Cash Magnet® CardBlue Cash Preferred® Card from American Express
*3% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back
**6% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back
Blue Cash Everyday versus other cash-back cards
Blue Cash Everyday® Card from American ExpressChase Chase Freedom Unlimited®Citi® Double Cash Card
Annual fee
$0
Annual fee
$0
Annual fee
$0
Earning cash back
3% back at US supermarkets*
3% back at US gas stations*
3% back on U.S. online retailer’s*
1% back on all other purchases
Earning cash back
5% back on travel through Chase Ultimate Rewards
3% back at drugstores and on dining
1.5% back on all other purchases
Earning cash back
Up to 2% back on every purchase — 1% when you buy, and another 1% when you back your bill
Welcome offer
Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back (plus, you can earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 months)
Welcome offer
Earn $200 after spending $500 in the first three months from account opening
Welcome offer
N/A
Intro APR
Blue Cash Everyday® Card from American Express, then 13.99% to 23.99% variable APR
Intro APR
Chase Freedom Unlimited®, then 14.99%–23.74% variable APR
Intro APR
Citi® Double Cash Card, then 13.99% – 23.99% (Variable) APR
Blue Cash Everyday® Card from American ExpressChase Freedom Unlimited®Citi® Double Cash Card
Blue Cash Everyday card frequently asked questions (FAQ)
Is the Blue Cash Everyday card worth it?
The Blue Cash Everyday® Card from American Express could be worth it, depending on where you spend the most money. If you spend a lot at U.S. supermarkets and U.S. gas stations, and on U.S. online retail purchases, it’s a great option because you can earn 3% cash back on the first $6,000 you spend in each of these categories each calendar year (then 1% back). If you don’t make many purchases in these categories, though, you’ll probably do better with another rewards or cash-back credit card.
Is it hard to get the Blue Cash Everyday card?
To get approved for the Blue Cash Everyday® Card from American Express, you’ll generally need a credit score that’s at least in the good range, which FICO defines at 670-739.
Does the Blue Cash Everyday card have an annual fee?
No. One of the selling points of the Blue Cash Everyday® Card from American Express is that it has no annual fee, so there’s no cost to carry this card, as long as you pay your balance in full every month so you don’t get charged interest.