Blue Cash Everyday Card from American Express review 2024: Ideal for a broad spectrum of household expenses
Updated 5:22 p.m. UTC April 29, 2024
Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.
The Blue Cash Everyday® Card from American Express (terms apply, rates & fees charges no annual fee, comes with intro APR periods on purchases and balance transfers and offers solid cash-back rates on groceries at U.S. supermarkets, at gas stations and online retail shopping in the U.S. Read more in our detailed Blue Cash Everyday Card from American Express card review.
Editor’s note: This article contains updated information from a previously published story.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 50+ cards analyzed.
- 8 data points considered.
- 5-step fact-checking process.
American Express Blue Cash Everyday Card basics
- Annual fee: $0.
- Welcome bonus: $200 statement credit after spending $2,000 in purchases in the first six months of card membership.
- Rewards: 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.
- APR: 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.
- Other perks and benefits: $7 in monthly statement credits after spending $9.99 or more each month on an eligible Disney Bundle subscription (subject to auto-renewal); up to $15 in monthly statement credits for a Home Chef meal kit subscription (subject to auto-renewal); secondary car rental coverage¹; Global Assist® Hotline when traveling more than 100 miles from home²; purchase protection³; Amex Offers; access to ticket presales and exclusive events through American Express Experiences. Terms and conditions apply. Enrollment is required for select benefits.
- Does the issuer offer a preapproval tool? Yes.
- Recommended credit score: Good to excellent.
American Express Blue Cash Everyday Card review
The Blue Cash Everyday® Card from American Express won’t make you blue if you want to earn cash back — in fact, it’s a good way to get that green. Wordplay aside, this no-annual-fee Amex credit card offers cardholders significant value with useful cash-back categories.
You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. Some may appreciate the simplicity of redeeming cash back with no redemption minimum. But you may find this too restrictive if you’re seeking a card that will let you redeem cash back by direct deposit into a bank account. Terms apply.
If you need to finance a big-ticket purchase or transfer a balance from a non-Amex card, the Blue Cash Everyday® Card from American Express provides introductory APR periods of more than a year on both purchases and balance transfers — while charging a reasonable balance transfer fee of: Either $5 or 3% of the amount of each transfer, whichever is greater.
Finally, the card offers valuable statement credits towards an eligible Disney Bundle subscription and a Home Chef meal kit subscription. For both of these benefits, enrollment is required and subject to auto-renewal. Other than that, its benefits are decent but nothing too colorful.
American Express Blue Cash Everyday Card rewards
Cardholders earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. There’s no minimum redemption amount.
Plus, earn a $200 statement credit after spending $2,000 in purchases in the first six months of card membership.
American Express Blue Cash Everyday Card rewards potential
Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has $25,087 in expenses they are likely to be able to charge to a credit card. Here’s what you might earn:
- $15,334 in remaining credit card spending x 1% cash back = $153.34
SPENDING CATEGORY | SPENDING AMOUNT | CASH-BACK RATE | CASH-BACK EARNED |
---|---|---|---|
Groceries at U.S. supermarkets
| $4,942
| 3%
| $148.26
|
U.S. gas stations
| $3,009
| 3%
| $90.27
|
U.S. online retail purchases
| $1,802
| 3%
| $54.06
|
Other
| $15,334
| 1%
| $153.34
|
TOTAL
| $25,087
| $445.93
|
In this example, our sample cardholder earns a grand total of $445.93 in cash back annually.
American Express Blue Cash Everyday Card APR
The Blue Cash Everyday offers a 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.
Pros
- Useful cash-back categories: Using the Blue Cash Everyday Card rewards you for grocery purchases at U.S. supermarkets, gas stations and online shopping purchases in the U.S. at a competitive rate without an annual fee.
- Valuable statement credits: Offset the cost of a Disney Bundle subscription with up to $84 back in annual statement credits as well as up to $180 in annual statement credits for a Home Chef meal kit subscription. Enrollment is required for select benefits.
- Redeem with no minimum: The Blue Cash Everyday lets you redeem your cash back for a statement credit or for eligible items at Amazon.com checkout with no minimum requirement.
Cons
- Elevated cash-back earnings capped: You’ll only earn elevated cash back on U.S. supermarket purchases, U.S. gas station spending and online retail shopping in the U.S. on up to $6,000 spent in each category per calendar year.
- Competing cards may earn higher rates: If you want to maximize rewards, know that it’s possible to find cards earning 5% or 6% cash back in categories like groceries and gas. However, caps or other restrictions may apply, and you may have to pay an annual fee.
- Foreign transaction fees: When traveling abroad, take a different card, because the Blue Cash Everyday charges 2.7% of each transaction after conversion to US dollars.
How the American Express Blue Cash Everyday compares to other everyday spending cards
American Express Blue Cash Everyday vs. Blue Cash Preferred® Card from American Express
The Blue Cash Preferred (terms apply, rates & fees) can be thought of as the Blue Cash Everyday’s big sibling. It charges a $0 intro annual fee for the first year, then $95, but earns significantly elevated rewards.
Cardholders with the Amex Blue Cash Preferred earn 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.
Plus, earn a $250 statement credit after spending $3,000 in eligible purchases in the first six months of card membership.
American Express Blue Cash Everyday vs. Citi Custom Cash® Card * The information for the Citi Custom Cash® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
If you want to earn higher cash back on groceries, consider the Citi Custom Cash card.
It’s unique in that it automatically determines your top spending category each month — from a list of eligible categories — and rewards you with 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. Plus, an additional 4% cash back on hotels, car rentals, and attractions booked on the Citi Travel℠ portal through 6/30/25. Categories eligible for the elevated cash back include:
- Restaurants.
- Gas stations.
- Grocery stores.
- Select travel.
- Select transit.
- Select streaming services.
- Drugstores.
- Home improvement stores.
- Fitness clubs.
- Live entertainment.
You can also earn the following welcome bonus: $200 cash back, in the form of 20,000 ThankYou® points, after spending $1,500 on purchases in the first six months of account opening. Though marketed as a cash-back card, the Custom Cash earns Citi ThankYou® points.
The Citi Custom Cash charges no annual fee.
American Express Blue Cash Everyday vs. Wells Fargo Autograph℠ Card
Perhaps you like to dine out more than you like to go grocery shopping to cook at home. In that case, a card such as the no-annual-fee Wells Fargo Autograph might be the right fit for your wallet.
With the Autograph, you’ll earn 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
There’s a welcome offer of 20,000 points after spending $1,000 in purchases in the first three months of account opening.
Is the American Express Blue Cash Everyday Card right for you?
If you’re looking for solid earning rates in several useful categories all packaged in one card, the Blue Cash Everyday is worth considering. That’s particularly true due to Amex’s “apply with confidence” feature, which lets you check if you’re approved with no impact to your credit score.
Depending on how dedicated you are to maximizing cash back, it’s possible to find cards that earn higher rates on categories like grocery shopping at U.S. supermarkets and U.S. gas station purchases. However, you have to evaluate if a higher rewards rate is worth potentially needing to carry additional cards or pay for a card with an annual fee, compared with the no-annual-fee Blue Cash Everyday.
Methodology
Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
Some of the factors evaluated in selecting the best rewards credit cards included:
- Rewards potential and redemption options.
- Welcome bonuses.
- Travel and shopping benefits.
- Intro APRs.
- Annual fees.
Frequently asked questions (FAQs)
Yes, the Blue Cash Everyday® Card from American Express is worth it if you are looking to earn a high cash-back rate of return on groceries at U.S. supermarkets, U.S. online shopping purchases and at U.S. gas stations without having to pay an annual fee. Plus, the card offers a long intro APR period for both purchases and balance transfers.
American Express doesn’t specify a minimum credit score to qualify, but with the Blue Cash Everyday being a cash-back card from a major issuer, it’s safe to say applicants should have good-to-excellent credit for the best chances of approval. That typically means a FICO Score in the range of 670 to 850.
With the Blue Cash Everyday Card, you’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.
The American Express Cash Magnet® Card * The information for the American Express Cash Magnet® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers an unlimited flat cash-back rate of 1.5% cash back on purchases versus the elevated, but capped, cash-back rate offered in certain spending categories offered by the Blue Cash Everyday Card. Neither card charges an annual fee, so deciding which card is better for you will depend on your spending habits.
All information about American Express Cash Magnet® Card has been collected independently by Blueprint.
You can request a credit limit increase on your card by logging into your account and clicking on the credit limit increase request form or call the number on the back of your card to request an increase. Just know that there is no guarantee your request will be granted. To improve your odds, you should demonstrate responsible card usage by paying on time, have a good credit score, you aren’t carrying a lot of debt on the card, as well as having the card for at least six months before you make the request.
Despite the similar names, these are two different American Express cards. The Blue Cash Everyday earns cash back, while the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns Membership Rewards® points.
All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.
For rates and fees for the Blue Cash Everyday® Card from American Express please visit this page.
For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.
¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
²Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.Underwritten by AMEX Assurance Company.
*The information for the American Express Cash Magnet® Card, Amex EveryDay® Credit Card and Citi Custom Cash® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.