American Express Blue Cash Everyday Review: Great Welcome Bonus, Cash Back on Everyday Purchases

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Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express
Editor’s Score: (4.1/5)
Learn more externa link icon At our partner’s secure site. See Rates & Fees, Terms Apply.
Blue Cash Everyday® Card from American Express
Editor’s Score: (4.1/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    16.99% – 27.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. New! 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.

NextAdvisor’s Take

Pros
  • Everyday rewards categories
  • No annual fee
  • Valuable welcome offer
  • Introductory APR on purchases and balance transfers
Cons
  • 2.7% foreign transaction fee (See Rates & Fees)
The Bottom Line
The Blue Cash Everyday Card from American Express offers cash back on your everyday purchases at U.S. gas stations and supermarkets, 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.

Additional Card Details

  • 0% intro APR on purchases and balance transfers for 15 months from the date account opening, then 16.99%-27.99% variable APR
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
  • Access to presales and exclusive seating through American Express Experiences
  • Travel and purchase protections
  • Amex Pay It, Plan It

American Express Blue Cash Everyday Full Review

Card Type

The Amex Blue Cash Everyday Card is a cash back credit card with tiered rewards in select bonus categories.

Annual Fee

There’s no annual fee to own this card.

Welcome Offer

You can earn a welcome bonus of $200 in statement credits after you spend at least $2,000 within six months of account opening (equal to about $333 each month). 

There’s also an introductory offer on new purchases and balance transfers. You’ll pay 0% APR on purchases and balance transfers made within 15 months of account opening (16.24% to 27.24% variable APR thereafter).

Rewards

The Amex Blue Cash Everyday offers bonus rewards in a few categories. You can earn:

  • 3% cash back at U.S. supermarkets on up to $6,000 in purchases per year, then 1% after that
  • 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%.
  • 2% cash back at select U.S. department stores
  • 1% cash back on other purchases

Fees 

Amex Blue Cash Everyday has no annual fee. The ongoing variable APR is 16.24% to 27.24% after the 15-month 0% APR intro period for new purchases and balance transfers.

This card isn’t great for international spending, since you’ll pay a 2.7% foreign transaction fee on purchases outside the U.S. If you pay late or your payment is returned, you may incur a fee up to $40 and penalty APR up to 29.99% (See Rates & Fees) .

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 (16.24% to 27.24% 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.

Even after the intro period, you can 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).

American Express Blue Cash Everyday Compared to Other Cards

Our Choice
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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Editor’s Score: (4.1/5)
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Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Editor’s Score: (4.3/5)
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Chase Freedom Flex℠

Chase Freedom Flex℠

Editor’s Score: (4.7/5)
  • Intro offer:
    $200
  • Annual fee:
    $0
  • Regular APR:
    17.24% – 25.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is American Express Blue Cash Everyday Right for You?

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 an annual fee of $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.

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.

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. 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.