American Express Blue Cash Everyday® review: A no-annual-fee card for everyday purchases
Blue Cash Everyday® Card from American Express
CardRatings Editor's Analysis: Pros & Cons
- For a credit card with no annual fee, Blue Cash Everyday® has high ongoing rewards: 3% cash back at U.S. supermarkets (up to $6,000 annually, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores and 1% cash back for all other purchases.
- The Blue Cash Everyday® Card from American Express offers cardholders 0% intro APR on purchases for 15 months (then 13.99% - 23.99% Variable).
- Earn $200 back after you spend $1,000 in purchases on your new card within the first three months..
- Rewards for U.S. supermarket purchases are capped annually (once a cardholder reaches $6,000 in supermarket purchases for the year) then the rewards rate drops to 1%. If you spent well more than that, you may want to look at a card that offers a lower rewards rate, but doesn't cap it.
TABLE OF CONTENTS
- Blue Cash Everyday® Benefits
- Blue Cash Everyday® Bonus
- Blue Cash Everyday® Annual Fee
- Blue Cash Everyday® Credit Score
- Blue Cash Everyday® Department Stores
- Blue Cash Everyday® Foreign Transaction Fee
- Blue Cash Everyday® Cardholder Scores
- How Blue Cash Everyday® Compares to Other Cards
- Is Blue Cash Everyday® a Good Card?
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. This no-annual-fee card has been a longtime shining star for our readers, and for good reason. (American Express is a CardRatings advertiser. See Rates and Fees.)
Top Blue Cash Everyday® benefits include:
- An intro 0% APR period lasting 15 months on purchases, then 13.99% - 23.99% Variable. ( See Rates and Fees.)
- No annual fee. (See Rates and Fees.)
- Earn 3% cash back when you use your card at participating U.S. supermarkets (up to $6,000 and then 1% cash back thereafter); 2% back when you use your card at participating U.S. gas stations and select U.S. department stores; and 1% back on all other purchases.
- Earn $200 back after you spend $1,000 in purchases on your new card within the first three months.
- Terms apply.
- Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 introductory annual fee for one year, then $95.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Terms Apply.
We don't ever recommend applying for a new credit card exclusively for some sort of welcome bonus, but when a card does offer such an incentive, it's always nice. Especially if the card doesn't charge an annual fee...
With this card, cardholders can earn $200 back once spending $1,000 in purchases on the card within the first three months of membership.
Great news— there isn't one! As its name suggests, the Blue Cash Everyday® is a goood solution for everyday expenses. This card is especially good if you're a casual credit card user since there is no annual fee unlike sister card Blue Cash Preferred® Card from American Express, which offers higher rewards for a $0 introductory annual fee for the first year, then $95 annual fee. (We compare these two cards in further detail below.) (See Rates and Fees.)
Although American Express doesn't explicitly state the credit score needed to qualify for the Blue Cash Everyday® Card , this card is reserved for those with good to excellent scores. A good FICO score is typically anything above 670, according to the credit scoring agency Experian. However, having a score above 740 or even 800 may further increase your chances of approval. Please note, however, that these numbers can vary between different bureaus.
Earning 2% cash back at select U.S. department stores is a nice incentive of the Blue Cash Everyday® Card , but remember the key term here: "select."
To earn additional rewards on department store purchases, the purchases must be made at a department store that is included on the American Express list of "select major department stores" and is located in the United States.
As of this publishing, American Express states on their website that you will earn additional rewards ONLY for purchases made in the U.S. at the following list of department stores that accept the card and have these specific names (please note that this list is subject to change):
- Bon Ton Stores
- Century 21 Department Stores
- J.C. Penney (JCP)
- Lord & Taylor
- Neiman Marcus
- Saks Fifth Avenue
- Stein Mart
This handy blue card doesn't have any major red flags, but you need to know that since this cash-back rewards card doesn’t tout travel rewards, bonus points only kick in when making purchases in the United States. For example, grocery shopping at a U.S. supermarket will earn you 3% cash back (on up to $6,000 in purchases annually); shopping at a French supermarket while on holiday, on the other hand, will not.
Additionally, all foreign transactions made with the Blue Cash Everyday® Card will cost an extra 2.7%. This card is a great option for everyday purchases made in the U.S.; however, it might not be the best choice for frequent international travelers. (See Rates and Fees.)
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:
|2020 Scores||2019 Scores|
|Overall Score||86.3||Did not survey|
|Rewards Program Satisfaction||8.5||n/a|
|Likelihood of Continuing to Use||9.3||n/a|
|Recommend to a Friend/Colleague||8.6||n/a|
Blue Cash Everyday® vs. Citi Rewards+® Card
The Citi Rewards+® Card is another no-annual-fee card which earns bonus rewards at supermarkets and gas stations, albeit just a bit less than the Blue Cash Everyday®; in one category at least.
With the Citi Rewards+® Card cardholders can earn two ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then one point thereafter, plus one point on all other purchases. What's unique about this card though is that it automatically rounds up to the nearest 10 points on each purchase you make. So for example, say you spend $55 at a local restaurant, you'll earn 60 points instead of just 55, or you spend $102 at the supermarket, you'll earn 210 points instead of 204. When it comes to point earning, every little bit helps, which makes this a nice perk. Another unique feature is that Citi will give you a 10% rebate on the first 100,000 ThankYou® points you redeem each year. In other words, if you redeem 20,000 points, Citi will put 2,000 points back into your ThankYou® account.
The Citi Rewards+® Card also includes a 15,000 point bonus for new cardholders who spend $1,000 in purchases within three months of opening an account, and 0% intro APR on balance transfers for 15 months from the date of first transfer and on purchases from the date of account opening (then 13.49% - 23.49% (Variable).
Blue Cash Everyday® vs. Blue Cash Preferred® from American Express
Though both the Blue Cash Everyday® card and Blue Cash Preferred® Card from American Express are cash-back cards from the same family, they have some significant differences. The most obvious is that the Blue Cash Preferred® charges a $0 introductory annual fee for the first year, then $95.
It may be worth paying an annual fee to get the additional rewards offered by the Blue Cash Preferred® card, though. With the Blue Cash Preferred® new users can earn a $300 statement credit after spending $3,000 in purchases in the first six months of opening an account. On an ongoing basis cardholders earn 6% cash back on up to $6,000 at U.S. supermarkets each year while Amex Blue Cash Everyday® only awards 3% cash back for those purchases. The Amex Blue Cash Preferred® card also gives 6% cash back on select U.S. streaming services, 3% cash back on transit and gas purchases at U.S. gas stations, and 1% cash back on everything else.
American Express Blue Cash Everyday® vs. Cash Magnet®
If you're in the market for a cash-back credit card, both the Blue Cash Everyday® card and American Express Cash Magnet® Card could be a good choice. Neither has an annual fee, and both offer the opportunity to earn a welcome statement when opening a new account ($150 for Magnet® once spending $1,000 in three months of opening account). Plus, Magnet® also offers 0% introductory APR on purchases for 15 months, then 13.99% - 23.99% Variable.
The main difference between the cards is how they award cash back. Blue Cash Everyday® provides three tiers of cash back: 3% on up to $6,000 of purchases at U.S. supermarkets, 2% at U.S. gas stations and some department stores and 1% on all other purchases. Meanwhile, the American Express Cash Magnet® card offers a flat 1.5% cash back on all purchases.
That means the Cash Magnet® card may be best for those who like simplicity and don't want to have to worry about spending categories. If most of your purchases are items other than groceries or gas, you may get more cash back with the Amex Cash Magnet®. However, for those with long commutes or large families to feed, the Amex Blue Cash Everyday® may result in more cash-back rewards.
Yes, the Blue Cash Everyday® Card from American Express is a good 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 has no annual fee so it's a simple way to earn rewards on purchases you'll have to make regardless, without worries about offsetting the cost of the card.
Survey Methodology: CardRatings commissioned Op4G in September and October 2020 to conduct surveys among 1,746 cardholders nationwide. CardRatings website analytics from Jan. 1, 2020-Aug. 31, 2020 were used to determine a selection of the most popular cards and additional cards were added to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted.
To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (See Rates and Fees); Blue Cash Preferred® Card from American Express (See Rates and Fees); American Express Cash Magnet® Card (See Rates and Fees)