The Blue Cash Everyday® Card from American Express offers cash back on everyday spending categories with a $0 annual fee. Cardholders earn 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. You can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Upon opening an account, you’ll get an introductory APR of 0% on purchases for 15 months. When the intro offer expires, the ongoing APR is 19.24% to 29.99% variable, based on factors such as your creditworthiness.
For those traveling more than 100 miles from home, this card includes access to the American Express Global Assist Hotline, which provides 24/7 help with missing luggage, emergency medical referrals and more. (See Rates & Fees)
- Issuer NameAmerican Express
- Credit NeededGood, Excellent
- Annual Fee$0
- APR19.24% – 29.99% Variable
- Penalty APR29.99% Variable
- Purchases Intro APR0% on purchases for 15 months
- Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
- Spend a lot at U.S. supermarkets.
- Want a $0 annual fee.
- Can use the promotional intro APR of 0% on purchases for 15 months. (See Rates & Fees)
If you do a lot of spending on gas, groceries and online shopping, make this your go-to card to earn 3% cash back in those categories. You can pair the Blue Cash Everyday® Card from American Express with a card that earns a higher base rate on rewards, such as the Citi Double Cash® Card, which you can use for purchases that don’t earn a bonus with the Blue Cash Everyday® Card from American Express.
Don’t sleep on some of the card’s additional benefits. For example, you can get a $7 monthly statement credit on the Disney Bundle streaming services.
Editor’s Take
The Blue Cash Everyday® Card from American Express is a good pick for people who spend a moderate amount on groceries, gas and online purchases – and don’t want to pay an annual fee. The 3% cash back rate on the first $6,000 spent each year can help offset the cost of these everyday expenses. If you’re looking for flexible redemption options, however, this isn’t the card for you since you’re limited to just statement credits.
While 3% cash back at eligible supermarkets is impressive, the Blue Cash Preferred® Card from American Express offers 6% cash back with the same terms, plus rewards on other common spending categories. However, the Blue Cash Preferred® Card from American Express charges a $0 intro annual fee for the first year, then $95. It might be worth the upgrade if you’re spending more than $135 per month at U.S. supermarkets.
Dawn PapandreaContributor
With the Blue Cash Everyday® Card from American Express, you can earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. The card also has a 0% on purchases for 15 months. (See Rates & Fees)
The card’s rewards structure is fairly complex, with multiple bonus categories and a cap. You earn 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. Focusing your spending can help you maximize rewards.
Aim to pay your balance in full each month after the intro APR period ends to avoid interest charges eating into your rewards value.
The Blue Cash Everyday® Card from American Express only allows you to redeem rewards as statement credits. There is no minimum redemption amount.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
Best in Cards for Excellent Credit
