Blue Cash Everyday® Card from American Express
Rating
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
The Blue Cash Everyday® Card from American Express is a cash back credit card designed for everyday spending, particularly at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. This card offers a tiered rewards structure with no annual fee, making it an attractive option for budget-conscious consumers who want to earn cash back on their regular purchases.
Rewards Structure
- 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%)
- 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%)
- 1% cash back on other purchases
Cash back is received as Reward Dollars that can be redeemed as a statement credit.
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee
This card has no annual fee.
Additional Benefits
- Car Rental Loss and Damage Insurance: When you use your card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter, you can be covered if the car is damaged or stolen.
- Global Assist® Hotline: Access 24/7 emergency assistance when you travel more than 100 miles from home.
- Purchase Protection: Covers your eligible purchases for 90 days from the date of purchase if they're stolen or damaged.
- Extended Warranty: Adds up to one additional year to the original manufacturer's warranty on eligible purchases.
- Online Shopping: Access to exclusive offers through Amex Offers.
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.
APR and Fees
The card offers a variable APR for purchases and balance transfers. Balance transfers, cash advances, and foreign transactions incur fees. For the most up-to-date information on rates and fees, please refer to the Rates and Fees link provided by American Express.
Who This Card Is Best For
The Blue Cash Everyday® Card from American Express is ideal for consumers who:
- Frequently shop at U.S. supermarkets, U.S. gas stations, and make U.S. online retail purchases
- Want to earn cash back without paying an annual fee
- Prefer straightforward rewards without rotating categories
- Are looking for a card with some purchase protections and travel benefits
Pros
No annual fee: Allows cardholders to earn rewards without the pressure of offsetting a yearly cost
Strong cash back rates in everyday spending categories: 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases offers significant earning potential on common expenses
Decent welcome bonus: Provides an opportunity to earn additional cash back in the first few months of card membership
Cons
Caps on bonus category earnings: The 3% cash back rate is limited to $6,000 in purchases per year for each category, which may be restrictive for high spenders
Foreign transaction fee: Not ideal for international travel due to fees on purchases made abroad
Cash back is earned as Reward Dollars: Requires an extra step to redeem rewards as statement credits, which might be less convenient than automatic cash back
