Credit Cards House
Advertiser Disclosure

Blue Cash Everyday® Card from American Express Review

Updated:
Isabelle Lee

Blue Cash Everyday

If you’re looking for a credit card that rewards you for the purchases you make on a regular basis, the Blue Cash Everyday® Card from American Express, a Credit Cards House advertiser, might be what you’re looking for.

This credit card features a higher cash-back earning for common purchases — like at U.S. supermarkets, gas stations and online retailers — with no annual fee (see rates and fees). Members can earn a $200 statement credit when they spend $2,000 within the first six months of account membership (see offer terms). The card also has a 0% APR for 15 months on purchases and balance transfers from the date of account opening (then a variable rate applies, currently 18.49% to 29.49%; see rates and fees). This is a pretty good card, with a great offer, for no annual fee.

Note: Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Blue Cash Everyday® Card from American Express

One of the biggest advantages to the Blue Cash Everyday® Card from American Express is that you have the opportunity to supercharge your cash back amount on purchases that you make each day. You can also receive a welcome bonus offer with the Blue Cash Everyday® Card from American Express. If new cardmembers spend $2,000 within the first six months of your card membership, you will receive a $200 statement credit.

Finally, it’s a nice touch to receive an introductory 0% APR on purchases and balance transfers for the first 15 months from date of account opening (then a variable rate, currently 18.49% to 29.49%, based on your creditworthiness; see rates and fees). This provides you some breathing room on purchases.

Features:
  • Tiered rewards that offer higher cash back on every day purchases like at U.S. supermarkets, gas stations and online retailers
  • Introductory 0% APR for 15 months from the date of account opening on purchases and balance transfers (then a variable rate, 18.49% to 29.49%; see rates and fees)
  • $200 statement credit after you make $2,000 within purchases in the first six months
  • No annual fee (see rates and fees)
  • Interest rate: 18.49% to 29.49%, variable (see rates and fees)

Card Benefits

The biggest benefit to this rewards card is the tiered cash back (see benefit terms). With this credit card, you earn 3% cash back on qualified purchases at U.S. supermarkets, U.S. gas stations and U.S. online retailers (up to $6,000 in purchases per year in each category, then 1%). All other eligible purchases offer 1% cash back. Because many households spend regularly on supermarkets, gas and online shopping, it’s easy to see why this card can be a good choice.

With this credit card, you don’t have to worry about signing up for quarterly rotating categories. You automatically see higher cash back on specific purchases. These are hassle-free rewards that are redeemed for cash back on your statement. And the fact that this credit card has no annual fee is also an advantage. The rewards and the welcome bonus offer are reasonably generous for a card without an annual fee.

The card now has Buy Now, Pay Later. For the first 15 months, cardmembers have $0 plan fees when they use Plan It® if they want to split up large their purchases into monthly installments. New cardmembers pay $0 intro plan fees on plans created during the first 15 months from account opening. Any plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors (see rates and fees).

Cardholders can also receive an $84 Disney Bundle credit and earn $7 back each month after using the Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to the Disney Bundle, which includes Disney+, Hulu, and ESPN+ (enrollment required; see benefit terms). Another benefit is the $180 Home Chef credit, where cardholders can earn up to $15 in statement credits monthly for online purchases at Home Chef on their Blue Cash Everyday Card, up to $180 in statement credits annually (enrollment required; see benefit terms).

Drawbacks

The main drawback to the Blue Cash Everyday® Card is the fact that there is a rewards cap on the 3% cash back at supermarkets. You can only earn your highest cash back reward on up to $6,000 spent in purchases a year. After that, your cash back rate at supermarkets drops to 1%.

If you are looking for even higher earnings and don’t mind paying an annual fee, you can apply for the Blue Cash Preferred® Card from American Express, which offers 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and 3% back at U.S. gas stations.

With the Blue Cash Everyday® Card, the rewards are also somewhat inflexible. You won’t receive Membership points. Instead, you receive rewards that are only redeemable for statement credits. This means you can’t access other rewards programs from American Express with your rewards.

Finally, consider whether or not it might make more sense to get the Blue Cash Preferred® Card from American Express. This card has a higher cash back earning potential. If you spend more than $65 per week at supermarkets, it might be worth it to pay the annual fee, even with the same cap of $6,000 in spending. Run the numbers to see if you spend enough in qualified supermarket purchases to justify using a different card.

Bottom Line

The Blue Cash Everyday® Card from American Express is a great cash back card for those who want to earn rewards for everyday purchases like at U.S. supermarkets and at U.S. gas stations and don’t want to pay an annual fee. The tiered rewards are hassle-free and are applied as a statement credit. The main downside is that your supermarket earnings are capped when you spend $6,000 a year at supermarkets. Additionally, if you spend more than $3,380 per year at supermarkets, you might actually be better off paying the annual fee for the Preferred® version of the card.





For rates and fees of the Blue Cash Everyday® Card from American Express, click here.

Editorial Note: This content is not provided by American Express. 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 American Express.

First published , last updated

Topics

ABOUT THE AUTHOR

Isabelle Lee

Miranda is a financial journalist and expert. Her work has appeared in numerous publications and she has contributed to NPR and appeared on other radio shows and TV. Miranda writes about money at PlantingMoneySeeds.com.

Learn more about Isabelle Lee

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.

Credit Cards House may earn affiliate commissions from our partners on this page. These commissions do not affect how we select, rate, or review products. To find out more, read our complete terms of use.

You May Also Like