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Apply online for Blue Cash Everyday® Card from American ExpressSponsored card
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Good, Excellent

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 U.S. supermarkets, 2 percent cash back at U.S. gas stations and select U.S. department stores and 1 percent cash back for all other purchases. (Check out more about the rewards earning).
  • The Blue Cash Everyday® Card from American Express offers cardholders 0 percent APR on purchases and balance transfers for 15 months (then 14.99% - 25.99% Variable). (More on that here).
  • 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 grocery purchases for the year) then the rewards rate drops to 1 percent. 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. Compare a few options now .
Terms and Limitations Apply

Top Features

Cash Back on Gas
2% at U.S. gas stations
Cash Back on groceries
3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Cash Back on other
1% cash back on other purchases
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 15 months on purchases and balance transfers (then, 14.99% - 25.99% Variable)
  • No annual fee
  • 3 percent cash back when you use your card at participating U.S. supermarkets (up to $6,000, 1 percent cash back thereafter)
  • 2 percent cash back when you use your card at participating U.S. gas stations and select U.S. department stores and
  • $150 bonus after spending $1,000 in the first three months.

As its name suggests, the Blue Cash Everyday® Card from American Express 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 unlike sister card Blue Cash Preferred® Card from American Express, which offers higher rewards for a $95 annual fee. That said, Blue Cash Preferred® Card from American Express offers 6 percent cash back at U.S. supermarkets (on up to $6,000 spent annually), 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 at U.S. supermarkets, the Blue Cash Preferred® Card from American Express  may be a better bet for you. (Plus, you will can also earn in the other categories as well to help offset the fee).

The Blue Cash Everyday® Card from American Express 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.

What Our Editors Like Most About Blue Cash Everyday® Card from American Express

Many rewards cards on the market charge an annual fee, but we love that the Blue Cash Everyday® Card from American Express doesn’t.

Paying no interest on purchases or balance transfers during the first 15 months is perhaps the most enticing perk of the Blue Cash Everyday® Card from American Express, but after the intro period, but 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 the Blue Cash Everyday® Card from American Express

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 (15 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 15 months, but balance transfers must be made within the first 30 days. Not bad. After that, your APR will be a variable rate (currently 14.99% - 25.99% Variable) 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 the Blue Cash Everyday® Card from American Express Compares to Other Cash-Back Rewards Cards

Blue Cash Everyday® Card from American Express vs. Bank of America® Cash Rewards credit card

The features that make the Blue Cash Everyday® Card from American Express a smart option for regular purchases are closely imitated by the Bank of America® Cash Rewards credit card. No annual fee, intro APR for the first 12 billing cycles on purchases and balance transfers (then, 15.24% - 25.24% Variable APR on purchases and 15.24% - 25.24% Variable APR on balance transfers), and between 1 percent and 3 percent cash rewards for qualifying purchases round out the similarities. With the Bank of America® Cash Rewards credit card, you'll earn 3 percent back on your gas purchases and 2 percent back on your grocery store and wholesale club purchases on up to $2,500 spent in combined gas/grocery store/wholesale club purchases each quarter and 1 percent on everything else.

The Bank of America® Cash Rewards credit card also allows for 60 days to take advantage of the intro APR on balance transfers, whereas the Blue Cash Everyday® Card from American Express allows just a 30-day period.

Blue Cash Everyday® Card from American Express 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 from American Express.

Blue Cash Everyday® Card from American Express vs. Capital One® Quicksilver® Card - 0% Intro APR for 15 Months

The Capital One® Quicksilver® Card - 0% Intro APR for 15 Months offers a no-annual-fee card with a chance to earn $150 in cash rewards by spending just $500 on purchases 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 15 months of 0 percent APR on purchases and balance transfers offered on both cards (then, 14.74% - 24.74% (Variable) for the Capital One card).

Who Should Get This Card?

We like the 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 page was last updated on October 12, 2018

This card compared to other cash back cards

Cash Back on Gas
2% at U.S. gas stations
1.5%
3% at U.S. gas stations
Cash Back on Groceries
3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1.5%
6% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Cash Back on other
1% cash back on other purchases
1.5%
1% cash back on other purchases
Purchase Intro
APR:
0% on purchases
Period:
15 months
APR:
0%
Period:
12 months
APR:
0% on purchases
Period:
12 months
Regular APR
14.99% - 25.99% Variable
15.99%-26.99% Variable 
14.99% - 25.99% Variable 
CardRatings.com Editorial Staff

Blue Cash Everyday® Card from American Express details

Cash Back on Gas
2% at U.S. gas stations
Cash Back on groceries
3% at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
Cash Back on other
1% cash back on other purchases
Purchase Intro
APR:
0% on purchases
Period:
15 months
Regular APR
14.99% - 25.99% Variable
Annual Fee
$0

What American Express says about this card

  • $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, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms 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
Earn $150 statement credit
After you spend $1,000 in purchases on your new Card within the first 3 months.

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Apply online for Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rates and fees
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Credit Needed:
Excellent, Good
Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Good, Excellent