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Many cash back credit cards require cardholders to spend tremendous amounts of money before they see any substantial benefits. American Express overhauled its Blue Cash cards in the spring of 2011 to address those concerns, offering an "Everyday" cash back rewards card with real earning potential.

When we first covered the relaunch of American Express Blue Cash on our news blog, the generous cash back rewards offered under the "Preferred" banner caught our attention. However, after a few months of monitoring our credit card forum and other online hangouts for bargain hunters, the real story seems to be Blue Cash Everyday Card from American Express.

At the time, spokesperson E-Bai Koo told reporters that he expected an average consumer would save at least $187 per year using the Blue Cash Everyday® Card from American Express. With no annual fee, the card compares more than favorably against the best cash back rewards cards from Chase and Capital One.

After previous versions of the Blue Cash card garnered criticism for being too complex, American Express streamlined the rewards program. The Blue Cash Preferred® Card from American Express offers more rewards for certain purchase categories. However, it carries a $75 annual fee and requires excellent credit while it's cousin Blue Cash Everyday Card has no annual fee. For both cards cardholders can boost their savings in another way.

In addition, American Express Blue Cash Everyday cardmembers enjoy all of the credit card issuer's usual benefits, including fraud detection and purchase protection. The only downside: Some retailers refuse to accept American Express, citing higher payment processing fees compared to Visa or MasterCard. Otherwise, Blue Cash Everyday Card makes a good addition to most consumers' wallets.

Here's the cash-back breakdown: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. There is no annual fee. Take advantage of the introductory 0% APR offer on purchases and balance transfers for 15 months. Terms and restrictions apply.

Highlights: Blue Cash Everyday® Card from American Express

Editor's Rating

Blue Cash Everyday<sup>®</sup> Card from American Express

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  • Get $100 back after you spend $1,000 on purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No Annual Fee. A Credit Card that gives you cash back with a 0% Intro APR Offer on purchases and balance transfers for 15 months.
  • After that, your APR will be a variable rate, currently 12.99%-21.99% based on your creditworthiness and other factors.
  • Terms and restrictions apply.
Credit Required: Excellent
Balance Transfer Intro APR

0% on Balance Transfers

Balance Transfer Intro Period

for 15 months

Balance Transfer Fee

See terms
Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0

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