Written Best for
- Cash Back Seekers
- Gas and Groceries
- U.S. Supermarket Spending
- Large Welcome Bonus
Considerations
- Annual Fee
- Foreign Transaction Fee
- Sign-Up Bonus
- Benefits (Travel Insurance, Purchase Protection, etc.)
Pros
- $200 welcome bonus offer
- High rewards rate
- Introductory APR offer on purchases and balance transfers
- Cell phone protection
Cons
- $1,500 limit on 5% cash back
- 2.7% foreign transaction fee
- Balance transfer fee
- Requires good - excellent credit
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: American Express Blue Cash Everyday® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score American Express Blue Cash Everyday® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Fair |
| Regular APR | Excellent |
| Annual Fee | Exceptional |
| Welcome Bonus | Very Good |
| Rewards | Very Good |
| Benefits | Very Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Very Good |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Good |
Who can apply for American Express Blue Cash Everyday® Card?
We have categorized American Express Blue Cash Everyday® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is American Express Blue Cash Everyday® Card Different?
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online U.S. retail. The 3% rate applies to up to $6,000 in each category per year in purchases. After that, the rate is 1%. You also earn 1% cash back on other eligible purchases. You can redeem Cashback as Reward Dollars. You can use them for a statement credit or eligible items at Amazon.com checkout.
Foreign Transaction Fee
The card also charges a foreign transaction fee of 2.7% of the transaction in US dollars. That charge is a problem. Rewards for American merchants are also limited. This reduces the card’s value for international use.
American Express Blue Cash Everyday® Card Annual Fee
Card type: Cash Back Credit Cards
Issuer Name: American Express
No annual fee
Consumers want a no-annual-fee credit card with strong rewards on gas, online shopping, and at U.S. supermarkets. The Blue Cash Everyday Card has a lot to love.
Welcome Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months. The Blue Cash Everyday card’s welcome offer is just like what you get on most other no-annual-fee credit cards. But, its spending requirement is twice as high as on similar cards.
You get a $180 credit for Home Chef. It comes as $15 monthly statement credits.
APRs: American Express Blue Cash Everyday® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the American Express Blue Cash Everyday® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers | 7/10Fair |
| Regular APR - 19.24% - 29.99% Variable APR | 9.5/10Excellent |
| Purchase - 19.24% - 29.99% Variable APR | 9.3/10Very Good |
| Balance transfer - Enjoy 0% intro APR on purchases. Also, on balance transfers. It lasts for 15 months from account opening. After that, 19.24% to 29.99% variable APR. | 8.3/10Good |
| Cash advance - 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. | 9.1/10Very Good |
| Penalty - Up to 29.99% | 9/10Very Good |
American Express Blue Cash Everyday® Card Benefits
Certainly! Here's a table. It shows the benefits of the American Express Blue Cash Everyday® credit card:
| Benefits | Score |
|---|---|
| $84 Disney Bundle Credit Get a $7 monthly statement credit. You get it after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a Disney Bundle subscription. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. |
8.8/10Very Good |
| Complimentary ShopRunner membership Get free two-day shipping on eligible items at 100+ online stores. You can get it by enrolling in the free ShopRunner membership. |
9.2/10Very Good |
| Car rental insurance When you use your card to pay for a rental and decline the collision damage waiver, you may get secondary auto coverage. This happens in an eligible place. |
9.1/10Very Good |
| American Express experiences Get access to special ticket presales. You will also get invitations to events. These events are only for American Express card members. |
8.3/10Good |
| $180 Home Chef credit Get up to $15 in credits per month. You get them when you pay for a Home Chef subscription with your card. |
9.5/10Excellent |
American Express Blue Cash Everyday® Card Rewards
American Express Blue Cash Everyday® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- 3% CASH BACK On Groceries At U.S. supermarkets, U.S. Online Retail Purchases and Gas At U.S. gas stations on up to $6,000 per year in purchases (then 1%)
- 1% cash back on other purchases
- Are you thinking about getting the Disney Bundle? It can include Disney+, Hulu, and ESPN+. You get $7/month back. It comes as a statement credit. But, you must spend $9.99 or more each month on an eligible subscription. The subscription must auto renew and you must use your Blue Cash Everyday® Card. Enrollment required.
How to Redeem Rewards
You earn cash back. It’s received as Rewards Dollars. You can redeem them for statement credits, gift cards, and merchandise from top retailers. You can also redeem Reward Dollars on Amazon.com. To do so, select “Pay with Points” at checkout.
American Express Blue Cash Everyday® Card Rewards Potential
| Category | Earning Rate | Estimated Annual Spend | Estimated Annual Earnings |
|---|---|---|---|
| Groceries | 3% | $4,000 | $120 |
| Gas | 3% | $4,500 | $135 |
| U.S. Online Retail Purchases | 3% | $1,000 | $30 |
| All other purchases | 1% | $8,000 | $80 |
| Total | $365 |
The Blue Cash Everyday® Card from American Express earns 3% cash back. It applies at U.S. supermarkets, gas stations, and online retailers. This is on up to $6,000 in each category per year, then 1%. It earns 1% cash back on other purchases.
Recommended Credit Score
Credit Score : 700 - 749 (Fair - Good)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.For those interested in the American Express Blue Cash Everyday® Card, a credit score within the 700 (Fair) to 749 (Good) range is advised. This ensures eligibility for tailored benefits and rewards aligned with your credit profile. Apply now to unlock exclusive perks and elevate your credit card experience with us.
Compare The American Express Blue Cash Everyday® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
American Express Blue Cash Everyday® Card
|
Chase Freedom Unlimited® Card
|
Citi® Diamond Preferred® Card
|
|---|---|---|
| 8.9MyCreditCardLab Score |
8.7MyCreditCardLab Score MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
8.1MyCreditCardLab Score MyCreditCardLab Score 8.1We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% intro APR for 15 months | 0% intro APR for 15 months | 0% for 12 months from account opening date |
| REGULAR APR | ||
| 19.24% - 29.99% Variable APR | 20.49% - 29.24% (V) APR after that | 18.24%-28.99% Variable |
| WELCOME BONUS | ||
| $200 if you spend $2,000 in first 6 months | Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! | This card does not offer a welcome bonus |
| REWARDS | ||
| 3% cash back on gas station, U.S. Online Retail Purchases and grocery store | Unlimited 5% cash rewards on travel and restaurants. | There is no ongoing rewards program, which limits its long-term value. |
| BENEFITS | ||
| U.S. Online Retail Purchases, Gas station, Grocery store | Travel, Dining at restaurants | Balance Transfers and Purchases |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / 29.99% | 5% (min $10) / 29.99% | 5% (min $10) / Up to 29.99% |
| BALANCE TRANSFER FEE | ||
| Either $5 or 3% of the amount of each transfer, whichever is greater | Either $5 or 5% of the amount of each transfer, whichever is greater. | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. |
| RECOMMENDED CREDIT SCORE | ||
| 700 - 749 (Fair - Good) | 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | ||
| 2.7% | 3% in U.S. dollars | 3% |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
American Express Login
Follow these easy steps:
Step 1. Go to the Login American Express page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access American Express Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the American Express Blue Cash Everyday® credit card below and get the answers you're looking for.
Yes. New cardholders get a welcome offer: Earn a $200 credit after you spend $2,000 on your new Card in the first 6 months. Terms Apply.
The Blue Cash Everyday lacks many extra features of other American Express cards. But, its top benefit is the cash back on U.S. online purchases and your other bonus categories. Most reward cards have bonus categories. But, they don't include these retailers.
Amex lists the following as eligible supermarkets. But, this is not a complete list:
1. ALDI
2. FreshDirect
3. Gelson’s
4. Hy-Vee
5. Kings Food Markets
6. Meijer
7. ShopRite
8. Smart & Final
9. Stop & Shop
10. Trader Joe's
11. Vons
12. Whole Foods
13. Winn-Dixie
However, you won’t earn boosted cash back for buying groceries from speciality stores. These include bakeries and butchers. You also won't earn it from superstores, such as Walmart. You also won't earn it at warehouse clubs, such as Costco. The same is true for convenience stores, like 7-Eleven. It is also true for meal-kit delivery services, such as Blue Apron.
