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Blue Cash Everyday® Card from American Express Review: A Rewarding No-Annual-Fee Option
What Is the Blue Cash Everyday Card From American Express?
The Blue Cash Everyday® Card from American Express is a cash back credit card designed for everyday spending. It offers rewards on common purchase categories without charging an annual fee. This card is particularly appealing to those who frequently shop at U.S. supermarkets, U.S. gas stations, and make online retail purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.
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Blue Cash Everyday Card From American Express Pros & Cons
Pros:
- No annual fee
- Cash back rewards on everyday spending categories: 3% at U.S. supermarkets (up to $6,000 per year), 2% at U.S. gas stations and select U.S. department stores. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Welcome offer for new cardholders
- 0% intro APR period of 15 months for purchases and balance transfers (18.74% - 29.74% variable APR after)
- Amex Offers for additional savings
Cons:
- Cash back rates are lower compared to some premium cards
- U.S. supermarket rewards capped at $6,000 per year
- Foreign transaction fees apply
- Requires good to excellent credit score
Who Is the Blue Cash Everyday® Card From American Express For?
The Blue Cash Everyday® Card from American Express is ideal for:
- Everyday spenders who want to earn cash back without paying an annual fee
- Families who frequently shop at U.S. supermarkets and gas stations
- Online shoppers looking to maximize rewards on their online retail purchases
- Those new to credit card rewards who want a straightforward earning structure
- People with good to excellent credit scores looking for a solid cash back card
Comparing Blue Cash Everyday Card with Other Credit Cards
When considering the Blue Cash Everyday® Card from American Express, it's helpful to compare it with other popular options in the cash back credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One SavorOne Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Preferred® Card from American Express (rates & fees):
- Annual fee: $95
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% on select U.S. streaming subscriptions, and 3% at U.S. gas stations and on transit. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: High cash back rate on U.S. supermarket purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One SavorOne rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos
While the Blue Cash Everyday® Card from American Express offers great rewards, you can potentially maximize your earnings even further by using Kudos. Kudos is a free AI-powered browser extension that helps you get the most out of your credit cards when shopping online.
With Kudos, you can:
- Receive personalized credit card recommendations for each purchase
- Shop at over 15,000 stores and earn rewards
- Multiply your rewards up to 5X during exclusive "Flash Boost" events
- Discover new credit cards that align with your spending habits
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
Our Expert Takeaway
The Blue Cash Everyday® Card from American Express is a solid choice for those seeking a no-annual-fee cash back card with rewards on everyday spending categories. Its straightforward earning structure and welcome offer make it attractive for those new to credit card rewards.
However, big spenders or those looking for premium perks might find more value in cards with annual fees. For optimal rewards, consider using the Blue Cash Everyday Card in conjunction with the Kudos browser extension to maximize your earnings across all your credit cards.
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Blue Cash Everyday Card from American Express FAQ
What are the cash back rates for the Blue Cash Everyday Card?
The card offers 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases.
Is there a welcome offer for new cardholders?
Yes, new cardholders can earn a $200 statement credit after spending $2,000 in purchases within the first 6 months of card membership. Terms apply.
Does the Blue Cash Everyday® Card charge an annual fee?
No, this card does not have an annual fee.
Can I use this card for international travel?
While you can use the card internationally, it does charge foreign transaction fees, making it less ideal for international travel.
How does cash back redemption work?
Cash back is received in the form of Reward Dollars that can be redeemed for statement credits, gift cards, or merchandise.
Does the Blue Cash Everyday Card offer any purchase protection?
Yes, the card provides purchase protection and extended warranty benefits on eligible purchases. Terms and conditions apply.
Can I transfer a balance to the Blue Cash Everyday Card?
Yes, the card offers a 0% intro APR on balance transfers for 15 months from the date of account opening (then a variable APR applies). Note that balance transfer fees may apply.
By combining the Blue Cash Everyday Card from American Express with the Kudos browser extension, you can potentially maximize your rewards and savings across all your online purchases. Remember to sign up for Kudos with code "GET20" to receive $20 back on your first eligible purchase!
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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