Who Is The Blue Cash Everyday® Card from American Express For?
The Blue Cash Everyday® Card, from our partner American Express, focuses on rewarding you for the everyday purchases you’re already likely 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% cashback at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cashback at U.S. gas stations and at select U.S. department stores, and 1% back on other purchases. It is important to note that you will receive the cashback in the form of statement credits. If you are looking to be rewarded on purchases you'll make throughout the year this is the card for you.
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 after $2,000 in purchases in the first 6 months puts this card top of mind for most consumers.
This card works for the everyday shopper who is looking to make cashback on their purchases without having to pay an annual fee. Although this card might not have as many rewards as a travel card, it still does a good job of earning cashback for things you were already going to buy.
American Express rewards you for choosing this credit card with an appealing initial cashback reward. If you spend $2,000 in the first 6 months of card ownership, you will receive $200 in the form of a statement credit.
Cardholders get to enjoy 3% cash back at U.S. supermarkets (up to $6,000 annually, 1% thereafter), 2% cashback at U.S. gas stations and select U.S. department stores, and 1% back on 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.
Furthermore, the Blue Cash Everyday card offers a low introductory 0% APR for 15 months on purchases. After the first 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.
The Blue Cash Everyday Credit Card also comes with a series of travel benefits, proving that this is a strong all-around credit card. If you decline the rental service's collision waiver, you can be covered by loss and damage insurance for added peace of mind during 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.
Lastly, you will receive entertainment access if you use the Blue Cash Everyday 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.
This card also comes with 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 can easily get a reimbursement if you notify American Express.
You can track your cashback 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.
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 cashback. 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.
The Blue Cash Everyday Credit Card is a great option for people who want cashback 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.