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American Express Blue Cash Everyday Card

Requires sign in
Rewards Rate
3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% cash back on all other purchases
Sign Up Bonus
$200 cash back after spending $1,000 in the first three months
Typical Credit Score
Excellent, Good
Pros & Cons
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.

  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).

  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.

  • 1% Cash Back on other purchases.

  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.

  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.

  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.

  • No annual fee.

  • Terms Apply.

  • Foreign transaction fee
Blue Cash Everyday Card review

Who is the American Express Blue Cash Everyday Card for?

The American Express Blue Cash Everyday Card’s main focus is, as its name suggests, rewarding you for everyday purchases you’re already going to make. The tiered rewards rate is quite generous when you consider how much you already spend on those categories. You are rewarded with 3% cash back at U.S. supermarkets, giving you benefits for purchases people make every day. 

This card also offers 0% APR for 15 months on purchases, which saves you a lot of money on interest. Pairing this with the generous initial bonus of $200 cash back, and American Express is offering extremely welcoming initial benefits for this credit card. Also, this card has no annual fee, which means you can earn cash without ever having to spend cash.

This card works for the everyday shopper who is looking to make cash back on their average purchases without having to pay an annual fee. Although this card might not have as many rewards as a travel rewards card, it still does a good job of earning cash back for things you were already going to buy.

Early Bonus

American Express rewards you for choosing this credit card with a generous initial cash back reward. If you spend $1,000 in the first 3 months of card ownership, you will receive $200 in the form of a statement credit. This means that you are receiving 20% cash back for your first $1,000 of purchases, making it crucial to fulfill this requirement in order to maximize the benefits of this card.

Rewards

Cardholders get to enjoy 3% cash back at U.S. supermarkets (up to $6,000 annually, 1% thereafter), 2% cash back from U.S. gas stations and at select U.S. department stores, and 1% back on all other purchases. There is no annual fee with the charge card, making it a no-brainer option for anyone who spends money in these bonus categories. American Express is being generous by giving you increased cash back on categories that you already spend a lot of money on such as supermarkets, gas stations, and department stores, increasing the money that you save.

You can accelerate your cash back in order to maximize your rewards. You will earn rewards by adding cards for your friends, and you will receive rewards for their purchases. You also earn cash back on recurring monthly charges such as your electric bill or your phone bill, and you will receive this cash back in the form of Reward Dollars that can be redeemed as a statement credit.

Furthermore, the Blue Cash Everyday card offers a low introductory 0% APR for 15 months on purchases. After the 15 months, a low variable rate between 13.99% to 23.99% is applied to your balance. This means you will be saving money since you no longer have to pay interest on purchases you make with this credit card for the first 15 months.

Travel Rewards

The Blue Cash Everyday Credit Card also comes with a series of travel benefits, proving that this is a strong all-around credit card. With this card, you will receive insurance whenever you lose or damage a rental car. This car rental loss and damage insurance will provide you with safety on your travels.

Also, this card will give you access to the Global Assist Hotline. If you ever travel more than 100 miles from home, you will receive 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services. This includes medical and legal referrals, assistance with cash wires, passport replacement, missing luggage, and more. Cardholders will be responsible for costs charged by third-party service providers.

Entertainment Perks

This card gives you access to ShopRunner. You will get 2-day shipping for free on items that are eligible in 100+ online stores. You will receive complimentary membership, which will facilitate online shopping.

Also, you will receive entertainment access if you use the Blue Cash Everyday Credit Card. You will receive exclusive access to ticket presales and card member-only events. Broadway shows and concert tours, family and sporting events, and more will be available for all holders of this card.

Additional Benefits

This card also comes with complete fraud protection. If any suspicious charges appear on your account, you can call the assistance hotline and not pay any charges for the fraudulent activity. You will never have to pay for things you did not buy, and you will receive all of your money back once you call the hotline.

You can track your cash back rewards through your online account. This online account will give you the latest information on your Reward Dollar balance, spending, and other reward possibilities. You will also receive a summary at the end of the year showing you your charges from the previous year.

There is also a Pay it Plan it option, in which you can use the Pay It option to pay small purchase amounts or you can Plan It to split up large purchases, for a fixed monthly fee, all with the rewards and protections you expect from American Express. These two ways to spend will help tailor to your preferences, whether you want to get a large payment out of the way quickly or if you want to plan it out and split up your large purchases into multiple payments if you do not want to pay the whole sum at once.

Over 1.6 million more places in the United States began accepting American Express Cards in 2018, meaning that you will be able to use your American Express card wherever you might want to shop.

No Annual Fee

One extra benefit of this card is the lack of an annual fee. You receive all of these bonuses at no cost to you, making it a sensible option for anyone trying to receive cash back. No annual fee also makes this card a good candidate to pair with another travel rewards credit card, which may give you greater travel benefits.

Conclusion

The Blue Cash Everyday Credit Card is a great option for people who want cash back on everyday purchases at no annual fee. You will be rewarded on purchases you make more often, such as at supermarkets and gas stations. An early rewards bonus, an option to pay how you want, and access to online shopping and entertainment for no cost to you, making this card a great everyday credit card.

You can apply for the American Express Blue Cash Everyday Credit Card online here.

Complete Card Details
Rewards Rate
3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% cash back on all other purchases
Welcome Bonus
$200 cash back after spending $1,000 in the first three months
Typical Credit Score
Excellent, Good
Intro Annual Fee
N/A
Annual Fee
N/A
Additional User Annual Fee
N/A
Foreign Transaction Fee
2.7%
Intro Purchase APR
0%
Regular Purchase APR
13.99% - 23.99%
Cash Advance Fee
5%
Cash Advance APR
25.24%
Late Fee
Up to $40
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Penalty APR
Up to 29.24%
Balance Transfer Fee
N/A
Return Payment Fee
Up to $40
Minimum Deposit
N/A
Credit Card Network
American Express
Credit Card Issuer
American Express
American Express Blue Cash Everyday Card FAQ

What is the minimum credit score required to apply for American Express Blue Cash Everyday Card?

A credit score of 750 is required to be eligible for American Express Blue Cash Everyday Card.

What is the minimum deposit required for American Express Blue Cash Everyday Card?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for American Express Blue Cash Everyday Card

The Intro Annual Fee for American Express Blue Cash Everyday Card is not available at the moment. Please check the terms for more details.

What is the Annual Fee for American Express Blue Cash Everyday Card

The Annual Fee for American Express Blue Cash Everyday Card is not available at the moment. Please check the terms for more details.

What is the Intro Purchase APR for American Express Blue Cash Everyday Card

The Intro Purchase APR for American Express Blue Cash Everyday Card is 0%.

What is the Regular Purchase APR for American Express Blue Cash Everyday Card

The Regular Purchase APR for American Express Blue Cash Everyday Card is 13.99% - 23.99%.

What is the Intro Balance Transfer APR for American Express Blue Cash Everyday Card

The Intro Balance Transfer APR for American Express Blue Cash Everyday Card is not available at the moment. Please check the terms for more details.

What is the Regular Balance Transfer APR for American Express Blue Cash Everyday Card

The Regular Balance Transfer APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Cash Advance APR for American Express Blue Cash Everyday Card

The Cash Advance APR for this credit card is 25.24%.

What is the Cash Advance Fee for American Express Blue Cash Everyday Card

The Cash Advance Fee for this credit card is 5%.

What is the Late Fee for American Express Blue Cash Everyday Card

The Late Fee for American Express Blue Cash Everyday Card is up to $40.

What is the Penalty APR for American Express Blue Cash Everyday Card

The Penalty APR for American Express Blue Cash Everyday Card is up to 29.24%.

What is the Balance Transfer Fee for American Express Blue Cash Everyday Card

The Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Min. Balance Transfer Fee for American Express Blue Cash Everyday Card

The Min. Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Foreign Transaction Fee for American Express Blue Cash Everyday Card

The Foreign Transaction Fee for American Express Blue Cash Everyday Card is 2.7%.

What is the Return Payment Fee for American Express Blue Cash Everyday Card

The Return Payment Fee for American Express Blue Cash Everyday Card is up to $40.
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