3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores. 1% Cash Back on other purchases.
- Intro bonus: $200
- Annual fee: $0
- Regular APR: 13.99%-23.99% Variable
- Recommended credit score: 670-850 (Good to Excellent)
The Blue Cash Everyday Card from American Express offers cash back on your everyday purchases across U.S. gas, supermarkets, and shopping categories for no annual fee, plus a great welcome bonus. But if you spend more heavily in certain categories, a higher-earning everyday rewards card like the $95, ($0 introductory annual fee for the first year) Blue Cash Preferred® Card from American Express) might make more sense. (See Rates & Fees)
At a Glance
- Earn a $200 statement credit after you spend $2,000 in purchases in the first 6 months of card membership.
- 3% cash back at U.S. supermarkets on up to $6,000 in purchases per year, then 1% after that
- 2% cash back at U.S. gas stations
- 2% cash back at select U.S. department stores
- 1% cash back on other purchases
- 0% intro APR on purchases for 15 months from the date account opening
- Ongoing variable APR of 13.99% to 23.99%
- No annual fee
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
Everyday rewards categories
No annual fee
Valuable welcome offer
0% introductory purchase APR for 15 months
$25 minimum cash back redemption
2.7% foreign transaction fee (See Rates & Fees)
Additional Card Details
The Blue Cash Everyday isn’t part of Amex’s Membership Rewards program (and its host of premium perks), but you will get access to a few added issuer benefits, like American Express Experiences, which includes event presales and exclusive seating options, as well as purchase protection on the items you buy.
You can also take advantage of Amex’s Pay It, Plan It feature, which allows you to pay down purchases under $100 any time within a billing cycle (Pay It) or select larger purchases greater than $100 to pay via payment plan with a fixed term and fee (Plan It).
Should You Get this Card?
American Express Blue Cash Everyday is a good no-annual-fee card for everyday rewards categories. But if gas and groceries make up a large portion of your budget, you might get more value from its sister card, the Blue Cash Preferred Card from American Express. Blue Cash Preferred offers cash back in similar categories, but at a higher percentage and a $0 introductory annual fee for the first year, then $95.
Grocery and Gas Benefits
The Blue Cash Preferred offers one of the highest rates on the market for cash back at U.S. supermarkets — 6% (up to $6,000 in annual spending, then 1%), plus 6% on eligible U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit that can be redeemed as a statement credit. If you’re interested in the Blue Cash Everyday as a gas and groceries card, consider leveling up to the Blue Cash Preferred, which will give you more for those categories.
Based on national average spending data, you could earn $302.96 in cash back with the Blue Cash Preferred each year (after accounting for the annual fee), compared to $242.95 with the Blue Cash Everyday. That’s a difference of $60 each year even with the added fee — and would be even higher if you’re able to max out the U.S. supermarket category.
Also keep in mind the discrepancies between the two card’s additional categories: Blue Cash Everyday also rewards 2% cash back at select U.S. department stores, while Blue Cash Preferred offers an additional 6% back on select U.S. streaming services. Before applying, evaluate your own spending to see which you may benefit from more.
How to Use American Express Blue Cash Everyday
To maximize your rewards with this card, be sure to swipe it everytime you go to the supermarket and fill up at the gas pump. You’ll get that 3% cash back boost at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), and 2% at U.S. gas stations. If you regularly shop at U.S. department stores like Macy’s, Belk, Kohl’s, Nordstrom, and more, use this card for 2% cash back on your shopping, too.
You’ll earn cash back as Blue Cash Reward Dollars that you can redeem for statement credit, gift cards, or merchandise whenever you have a balance of $25 or more.
You can also benefit from the introductory 0% APR on new purchases for 15 months from account opening (13.99% to 23.99% variable APR thereafter) if you have a large purchase to make and you’d benefit from the flexibility of a 15-month buffer to pay it off. But if you’re simply looking for a great 0% interest intro offer, there are better options to consider.
American Express Blue Cash Everyday Compared to Other Cards
The Blue Cash Everyday is a solid card for everyday spending on gas and groceries, especially if you’re unwilling to pay an annual fee. But if these are your most frequent spending categories, you can likely find higher rewards rates elsewhere. Make sure you consider other cash back options, including the Blue Cash Preferred from Amex, before you sign up.
For rates and fees of Blue Cash Everyday® Card from American Express, please click here
For rates and fees of Blue Cash Preferred® Card from American Express, please click here
Frequently Asked Questions
How do you redeem your cash back?
You can redeem your cash back for statement credits, gift cards, or merchandise whenever you have a balance of $25 or more in Blue Cash Rewards dollars through your online account. You cannot use your rewards to pay your minimum balance.
Does the Blue Cash Everyday card have a foreign transaction fee?
Yes, you will be charged a fee of 2.7% of each transaction after it’s converted to U.S. dollars.