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, U.S. gas stations and U.S. online retail purchases (up to $6,000 spent annually in each category, then 1%), and 1% cash back for other purchases.
- The CardName offers cardholders 0% intro APR on purchases and balance transfers for 15 months (then RegAPR).
- Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.
- Your 3% earning categories, U.S. supermarkets, U.S. gas stations and U.S. online retail purchases, are capped annually at $6,000 spent per year in each category before the rewards rate drops to 1%. If you spend well more than that in those categories, 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 Offer
- Blue Cash Everyday® Annual Fee
- Blue Cash Everyday® Credit Score
- Blue Cash Everyday® Online Purchases
- 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 (and websites!), the CardName 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 and balance transfers, then RegAPR. ( 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, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per category each year and then 1% cash back thereafter); and 1% back on other purchases.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.
- Terms apply.
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 15.24% - 29.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
We don't ever recommend applying for a new credit card exclusively for some sort of welcome bonus offer, 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 a $200 statement credit once spending $2,000 within the first six months of opening an account.
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 CardName, which offers higher rewards for a AnnualFees 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 CardName, 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 3% cash back at U.S. online retail purchases is a huge incentive of the CardName given the ever-growing online shopping opportunities.
There are a few things to keep in mind, however. For instance, you must make the purchase must be made on a website or a digital app from a "U.S. retail merchant that sells physical goods or merchandise directly to consumers," according to American Express' terms. Note that online purchases made at restaurants, supermarkets, gasoline stations or automotive dealers, nor purchases of travel, entertainment or other services will qualify for the 3% cash back. You also can't order the purchase online and then pay for it in store if you want to earn the 3% cash back.
Even with those rules, there are PLENTY of online shopping opportunities that will qualify for the 3% cash back on up to $6,000 spent in that category in a year.
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 CardName will cost an extra foreign_fee. 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:
|Current Scores||Past Scores|
|Rewards Program Satisfaction||7.5||8.4|
|Likelihood of Continuing to Use||7.9||9.3|
|Recommend to a Friend/Colleague||7.0||8.6|
Blue Cash Everyday® vs. CardName
The CardName 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®.
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 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 20,000-point bonus for new cardholders who spend $1,500 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 RegAPR. Plus, for a limited time, new cardholders earn five points per $1 on up to $6,000 spent at restaurants during the first 12 months (then, one point per $1 thereafter).
Blue Cash Everyday® vs. Blue Cash Preferred® from American Express
Though both the Blue Cash Everyday® card and CardName are cash-back cards from the same family, they have some significant differences. The most obvious is that the Blue Cash Preferred® charges a AnnualFees annual fee.
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 $350 statement credit once spending $3,000 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®
discontinued All information about the American Express Cash Magnet Card has been collected independently by CardRatings
If you're in the market for a cash-back credit card, both the Blue Cash Everyday® card and CardName 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).
The main difference between the cards is how they award cash back. Blue Cash Everyday® provides 3% at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 of purchases in each category per year, then 1%) and 1% on 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 CardName 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 via an online shopping spree are the sorts of purchases that rack up your cash back. 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 2021 to conduct surveys among 1,524 cardholders nationwide. CardRatings website analytics from Jan. 1, 2021-Aug. 31, 2021 were used to determine a selection of the most popular cards and additional cards were included 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. "Current Scores" reflect scores from the most recent survey; "Past Scores (avg.)" are the scores averaged over each prior year the card has been surveyed. "Past Scores" indicates a card has only been surveyed in one prior year.
To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: CardName (See Rates and Fees); CardName (See Rates and Fees); CardName (See Rates and Fees)
Blue Cash Everyday® Card from American Express Compared to Other Cash back Cards
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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