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American Express Blue Cash Everyday® review: A no-annual-fee card for everyday purchases

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What American Express says about this card

Apply online for Blue Cash Everyday® Card from American ExpressSponsored card
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers from the date of account opening, then a variable rate, currently 12.99% to 23.99%.
  • Don't wait for your Card in the mail. Start earning cash back before your card even arrives, if eligible for Instant Card Number.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
Terms and Limitations Apply
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By Jennifer Doss CardRatings Editor  Updated Mar 26, 2020

AMERICAN EXPRESS BLUE CASH EVERYDAY® BENEFITS

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 and balance transfers, then 12.99% - 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.
  • Terms apply.

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, 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 and balance transfers for 15 months (then 12.99% - 23.99% Variable).
  • Snag a $150 bonus statement credit after you spend $1,000 in 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.
Terms and Limitations Apply

BLUE CASH EVERYDAY® BONUS

We don't ever recommend signing up 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...

The Blue Cash Everyday® card rewards new cardmembers with a $150 statement credit earned once spending $1,000 in the first three months of card membership. Even if you don't plan to use your card heavily throughout the year, $1,000 is a low spend threshold to meet so it'd be worth making sure you use your card frequently at least in those first few months in order to receive this credit.

BLUE CASH EVERYDAY® ANNUAL FEE

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 $95 annual fee. (We compare these two cards in further detail below.) (See Rates and Fees.)

Top Features

Cash Back on Gas Cash Back on Groceries Cash Back on Other
2% Cash Back at U.S. gas stations 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 1% cash back on other purchases

BLUE CASH EVERYDAY® CREDIT SCORE

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.

BLUE CASH EVERYDAY® DEPARTMENT STORES

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):

  • Bealls
  • Belk
  • Bloomingdale's
  • Bon Ton Stores
  • Boscov's
  • Century 21 Department Stores
  • Dillard's
  • J.C. Penney (JCP)
  • Kohl's
  • Lord & Taylor
  • Macy's
  • Neiman Marcus
  • Nordstrom
  • Saks Fifth Avenue
  • Stein Mart

BLUE CASH EVERYDAY® FOREIGN TRANSACTION FEE AND OTHER POTENTIAL DOWNSIDES

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.)

HOW BLUE CASH EVERYDAY® COMPARES TO OTHER CREDIT CARDS

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 $95 annual fee.

It may be worth paying an annual fee to get the additional rewards offered by the Blue Cash Preferred® card, though. This card awards new users with a $250 statement credit after spending $1,000 in purchases in the first three months of opening an account. That's $100 more than the $150 welcome offered by Blue Cash Everyday®, with the same low spend threshold, and it easily covers the cost of the first year's annual fee.

Plus, you can earn double the cash back at U.S. supermarkets by using Blue Cash Preferred®. It gives cardholders 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 a $150 welcome statement credit when you spend $1,000 in purchases within three months of opening an account. Plus, like Blue Cash Everyday®, Cash Magnet® also offers 0% introductory APR on purchases and balance transfers for 15 months, then 12.99% - 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.

American Express Blue Cash Everyday® vs. Chase Freedom®

Like the Blue Cash Everyday®, Chase Freedom® is a no-annual-fee, cash-back credit card which earns rewards in popular everyday categories. With the Chase Freedom® card though, the bonus cash-back categories rotate each quarter. This could either be a pro or a con depending on your spending habits and whether or not you're good with keeping up with this kind of thing. If you are good at keeping up with things like this, the Chase Freedom® card could be an excellent way to quickly accumulate rewards as it earns 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you active, and unlimited 1% on everything else.

The welcome offers with these two cards are the same, too. However, the spending threshold is less with the Chase card. New Chase Freedom® cardholders can earn a $150 cash back bonus once spending $500 in the first three months of account membership.

Chase Freedom® also offers a 0% intro APR period. Enjoy 0% APR for 15 months on purchases and balance transfers, then 16.49% - 25.24% Variable.

IS BLUE CASH EVERYDAY® A GOOD CARD?

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.


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)

Blue Cash Everyday® Card from American Express compared to other cash back cards

Card Name
Cash Back on Gas
Cash Back on Groceries
Cash Back on Other
Ratings/Apply
2% Cash Back at U.S. gas stations
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
1% cash back on other purchases
Apply Now
Terms and Limitations Apply
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.
Earn unlimited 1.5% cash back on all purchases.

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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