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Amex Blue Cash Everyday Review: Big Cash Back Rewards, and Much More

Review Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

The Blue Cash Everyday® Card from American Express is packed full of benefits. You can earn a welcome offer to start. Then, you'll be able to earn cash back on your spending in multiple bonus categories. Terms apply. Read our full Blue Cash Everyday® Card from American Express review for all the pros and cons.

Ratings Methodology

Blue Cash Everyday® Card from American Express

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24%-29.99% Variable

Rewards Circle with letter I in it. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

1%-3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

  • If gas and groceries are big line items in your budget, don't miss this card. You won't pay an annual fee, and you can earn a generous 3% cash back at supermarkets, online retail purchases, and gas stations in the U.S., on up to $6,000 per year, per category. A 0% APR intro offer lasting 15 months and a $200 welcome bonus for a $2,000 spend inside of 6 months (terms apply) round out the perks on this Amex.

    • U.S. supermarkets and online retail rewards
    • U.S. gas stations cash back
    • Big welcome offer
    • No annual fee (see rates and fees)
    • Foreign transaction fee
    • High spend requirement for welcome offer
    • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
    • No Annual Fee.
    • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
    • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
    • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
    • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
    • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
    • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
    • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
    • Terms Apply.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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$200 cash rewards Circle with letter I in it. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening 1.5% cash back

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. Balance transfers include a fee of 3% for 60 days from account opening, then 4%.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.24% - 28.24% (Variable)

Apply Now for Bank of America® Unlimited Cash Rewards credit card

On Bank of America's Secure Website.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for travel and points transfers 		60,000 bonus points Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases Circle with letter I in it. Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.

Intro: Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular: 21.49%-28.49% Variable

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.24% - 28.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Full Amex Blue Cash Everyday review

This credit card is a good fit for: Shoppers who want a no annual fee card and have high spending at U.S. gas stations and U.S supermarkets.

Top perks

This American Express card packs quite a few useful features.

Cash back program

Here are the cash back rates for the Blue Cash Everyday® Card from American Express:

  • 3% at U.S. supermarkets, capped at $6,000 per calendar year
  • 3% for U.S. online retail purchases, capped at $6,000 per calendar year
  • 3% at U.S. gas stations, capped at $6,000 per calendar year
  • 1% on other purchases
  • Terms apply

Overall, this is a great gas and groceries card with a solid mix of bonus categories at places most people visit frequently. You'll likely have plenty of purchases per month earning 3% back. You can redeem cash back for statement credits, and there's no minimum redemption amount.

SEE MORE: Best Gas and Groceries Cards

Welcome offer

The Blue Cash Everyday® Card from American Express has a welcome offer of $200 in statement credits after spending $2,000 in purchases in your first 6 months. Terms apply.

MORE OPTIONS: Best Sign-Up Bonus Credit Cards

No annual fee

If you're only interested in no annual fee cards, the Blue Cash Everyday® Card from American Express qualifies.

0% intro APR

The intro APR applies to purchases and balance transfers for the first 15 months, one of the longer intro APR offers from a cash back card. After, the go-to rate is 19.24%-29.99% Variable. Terms apply (see rates and fees).

SEE MORE: Best 0% APR Cards

Statement credits

The card also packs in some lucrative statement credits for popular services. These include $84 in Disney bundle credits and $180 in Home Chef credits. Here are all the details you need to know:

  • Disney Bundle: Cardholders can earn $7 back monthly when spending at least $9.99 monthly on an eligible subscription to the Disney Bundle, which can include Disney+, Hulu, and ESPN+. Enrollment is required.
  • Home Chef: Cardholders enrolled with Home Chef can earn up to $15 in statement credits monthly, for a total of $180 yearly.
  • Terms apply.

RELATED: Read The Ascent's list of the Best American Express Credit Cards

What could be improved

There are a couple of areas that could be improved upon.

Foreign transaction fee

The card has a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. (see rates and fees). This is slightly lower than the usual foreign transaction fee of 3% that other cards charge -- but it's still an extra expense when you travel. Plus, all of this card's bonus categories specify U.S. businesses. As a result, the card is only a good choice if you spend most of your time (and money) in the United States. If not, you should keep looking for other credit cards.

FOR INTERNATIONAL TRAVEL: Best No Foreign Transaction Fee Credit Cards

High spend requirement for welcome offer

While this card's $200 welcome offer is competitive, the spending requirement is on the high side. You'll need to spend $2,000 on purchases in the first 6 months. Terms apply. For most consumers, that won't be hard to do. But some cash back cards offer similar bonus amounts for lower spend requirements of $500 to $1,000.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare Cards

Suggested credit score

To get the Blue Cash Everyday® Card from American Express, we recommend you have a good credit score, which means a FICO® Score of 670 or higher. American Express can be flexible with its requirements, and there are the occasional reports of successful applicants with lower credit scores -- but if your score is low and you apply for this card, just be aware that it could result in a denial.

The Amex Blue Cash Everyday is right for you if:

For a cash back card without an annual fee, the Blue Cash Everyday® Card from American Express has quite a bit to offer. It's a card you should consider if you're looking for any of the following:

  • A no annual fee cash back card.
  • One of the bigger welcome bonuses in its category.
  • A high cash back rate at U.S. supermarkets or for U.S. gas.
  • A lengthy 0% intro APR period for purchases.

KEEP LOOKING: Expert Credit Card Reviews

Our Credit Card Methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The credit limit for the Blue Cash Everyday® Card from American Express normally ranges from $1,000 to $15,000 or more. It varies based on a variety of factors, including your annual income and credit history.

  • It's usually not hard to get the Blue Cash Everyday® Card from American Express if you have good credit. While American Express looks at your entire financial profile, applicants should aim for a FICO® Score of 670 or above.

  • Yes, you can have two of the Blue Cash Everyday® Card from American Express. However, you won't be eligible for a welcome bonus on the second card.

Our Credit Cards Experts

Lyle Daly
By: Lyle Daly

Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

Nathan Alderman
Check IconFact Checked Nathan Alderman

Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.