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Apply online for Blue Cash Everyday® Card from American ExpressSponsored card
About Our Ratings
Credit Needed
Excellent, Good

Blue Cash Everyday® Card from American Express Review

Pros & Cons

  • For a credit card with no annual fee, Blue Cash Everyday® has high-ongoing rewards: 3 percent cash back at grocery stores, 2 percent cash back at gas stations and 1 percent cash back for all other purchases
  • Apply by 1/11/2017 to earn 10 percent cash back on purchases at Amazon.com in the first 6 months (up to $200 back, then 1%)
  • Blue Cash Everyday® offers cardholders 0% APR on purchases and balance transfers for 12 months
  • Rewards for supermarket purchases are capped annually (once a cardholder reaches $6,000 in grocery purchases for the year) then the rewards rate drops to 1%.

Top Features

Cashback on Gas
2% at U.S. gas stations
Cashback on groceries
3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
Cashback on other
1% other purchases. Terms and limitations apply.
Annual Fee
$0

Full Review

Curtis Arnold Editor-in-chief

Blue Cash Everyday® Card from American Express Essentials

If you are looking to have a little more purchasing power at your favorite stores, the Blue Cash Everyday® Card from American Express may be the solution for you (American Express is a CardRatings.com advertiser). This no annual fee, 0 percent intro APR card has been a longtime shining star for CardRating's readers.

These high-value features make Blue Cash Everyday® Card from American Express one of the best cash back rewards cards on the market:

  • Pay 0 percent APR in the first 12 months
  • No annual fee
  • Apply by 1/11/2017 to earn 10 percent cash back on purchases at Amazon.com in the first 6 months (up to $200 back, then 1%)
  • Earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3 percent cash back when you use your card at participating supermarkets (up to $6,000, 1 percent cash back thereafter)
  • 2 percent cash back when you use your card at participating gas stations
  • 1 percent cash back on other purchases (like your phone bill)

As its name suggests, the Blue Cash Everyday Card® is a solution for everyday expenses. This card is especially good if you’re a casual credit card user since there is no annual fee like sister card Blue Cash Preferred Card®, which offers higher rewards for a $95 annual fee. That said, Blue Cash Preferred Card® offers 6 percent cash back on grocery stores, so if you spend $$1,585 you would be eligible for $$1,585 x 6 percent or $95.10 cash back from your grocery spending - which covers your annual fee. So if you spend more than $$1,585 annually on groceries, the Blue Cash Preferred Card® may be a better bet for you. (Plus, you will can also earn in the other categories as well to help offset the fee).

Blue Cash Every Card® doesn’t offer travel rewards, but the card does have travel benefits such as roadside assistance, travel accident insurance and help with planning overseas travel. Plus, you'll earn $100 in the form of a statement credit after your spend $1,000 on your card in the first three months.

What Our Editors Like Most About Blue Cash Everyday® Card

Many rewards cards on the market charge an annual fee, but we love that this version of the Blue Cash card doesn’t.

Paying no interest on purchases or balance transfers during the first 12 months is perhaps the most enticing perk. But after the first year, it’s the generous cash back rewards you’ll be glad you have.

American Express Reward Dollars are easy to redeem: They can be applied as statement credit, for gift cards, or as a physical check. Reward Dollars can be redeemed with as few as 25 points.

To earn Reward Dollars faster, consider ordering additional cards for your family and friends. Their spending applies to your account total. For example, if you’re a couple with a newborn and you have an awesome aunt or generous grandpa running errands for you, get them a card!

Potential Downsides of Blue Cash Everyday® Card

This handy blue card doesn’t have any red flags, but you need to know that since this cash back rewards card doesn’t tout travel rewards, points only kick in when making purchases in the United States. For example, when you shop at a Nordstrom in New York, it earns you rewards. But the purchase you made at the Nordstrom in Nova Scotia, Canada, does not.

Reward Dollars cannot be used to pay the minimum payment due. The credits must be applied to the total balance owed on the card. So, after the 0 percent introductory APR has passed (12 months), this is not necessarily the credit card you want to use “for emergencies” and pay off later.

The 0 percent intro APR on purchases and balance transfers runs for 12 months, but balance transfers must be made within the first 30 days. Not bad. After that, your APR will be a variable rate, and it’s based on your creditworthiness and other factors. American Express can also end your introductory rate if you do not pay at least the minimum payment due within 60 days of the due date.

How Blue Cash Everyday® Card Compares to Other Cash Back Rewards Cards

Blue Cash Everyday® Card vs. BankAmericard Cash Rewards™ Credit Card

The features that make the Blue Cash Everyday® Card a smart option for regular purchases are closely imitated by Bank of America's BankAmericard Cash Rewards™ Credit Card. No annual fee, intro APR for the first 12 billing cycles on purchases and balance transfers, and between 1 percent and 3 percent cash rewards for qualifying purchases round out the similarities.

The BankAmericard Cash Rewards™ Credit Card also allows for 60 days to take advantage of the intro APR on balance transfers, where the Blue Cash Everyday® Card allows just a 30-day period.

Blue Cash Everyday® Card vs. Citi® Double Cash Card - 18 month BT offer

Citibank's competitive offer, Citi ® Double Cash Card – 18 month BT offer is another no-annual-fee credit card offering cash rewards. This card has an across-the-board 1 percent cash reward, and you can earn another 1 percent cash reward when you pay at least the minimum balance.

If you are planning to do a balance transfer, the Citi ® Double Cash Card – 18 month BT offer's introductory 0 percent APR lasts for 18 months, six months longer than the Blue Cash Everyday® Card.

Blue Cash Everyday® Card vs. Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card offers a no-annual-fee card with a chance to earn $100 in cash rewards by spending just $500 in the first 3 months. With this card, Capital One also offers an additional 1.5 percent cash back on every purchase, with no limit on how much you can earn.

If transferring a balance is important for you, you’ll appreciate the nine months of 0 percent APR on purchases and balance transfers.

Who Should Get the Blue Cash Everyday® Card?

We like Blue Cash Everyday® Card from American Express as a go-to credit card when you make purchases as part of your regular, weekly errands. Filling up at the pump, buying groceries for the week and picking up some new pieces of wardrobe are the sorts of purchases that rack your points up quickly.

This card compared to other cash back cards

Cashback on Gas
2% at U.S. gas stations
1%
5% Earnings for $5k and 2% after
Cashback on Groceries
3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
1%
5% Earnings for $5k and 2% after
Cashback on other
1% other purchases. Terms and limitations apply.
5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
5% Earnings for $5k and 2% after
Purchase Intro
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
APR:
0% intro on purchases
Period:
12 months
Purchase APR
13.24%-23.24% Variable
11.24% - 23.24% Variable 
13.15% - 23.15% (V) (V)
Rates and Fees
CardRatings.com Editorial Staff

Blue Cash Everyday® Card from American Express details

Balance Transfer Intro APR
0% on Balance Transfers
Balance Transfer Intro Period
for 12 months
Purchase Intro
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
13.24%-23.24% Variable
Annual Fee
$0

What American Express says about this card

  • Apply by 1/11/2017- Earn 10% cash back on purchases at Amazon.com in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.

Credit Card Consumer Average Ratings:

Overall Ratings
Reward Program
Card Benefit
Customer Service

Credit Card Consumer Reviews:

  1. Overall Ratings:
    Reward Program:
    Card Benefit:
    Customer Service:
    Curt ( May 15, 2012 at 8:01 am)

    I have the OLD version of this card and have been very happy with it for many years. Unfortunately, they recently scaled back the earn rate on "all other purchases" from 1.25% to 1%. :( I am not such a big fan of the card now. Again...this is a different structure to the current card described!


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Featured offers
Currently available on the Blue Cash Everyday® Card from American Express
10% cash back on purchases at Amazon.com in the first 6 months, up to $200. Plus, $100 back
After you spend $1,000 in purchases on your new Card in your first 3 months.

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Apply online for Discover it® - Cashback Match™

Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO(R) Credit Score for free on monthly statements and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO(R) Credit Score terms, Cashback Match(TM) details & other information.
Credit Needed:
Excellent/Good
Apply online for BuyPower Card from Capital One®

BuyPower Card from Capital One®

  • 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that. Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% - 23.15% variable APR on purchases will apply
Credit Needed:
Excellent/Good