Review
Updated
Fact Checked
Nathan Alderman
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. We'll cover all the good and the bad in this Blue Cash Everyday® Card from American Express review.
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website.
Terms apply
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website.
Terms apply
Rating image, 4.00 out of 5 stars.
4.00 stars
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
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website.
Terms apply
Credit Score
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 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%.
1% - 3% cash back
Annual Fee
$0
Welcome Offer Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
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One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome offer and intro APR round out a diverse feature set.
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- 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
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- 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
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 on U.S supermarkets purchases.
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 six 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 $12.99 monthly on eligible Disney subscriptions, which 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 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 six 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.
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 you'll be rolling the dice.
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
Alternatives to consider
- If you want to earn even more cash back: The Blue Cash Preferred® Card from American Express is made for bigger spenders, earning a spectacular 6% cash back at U.S. supermarkets (up to a $6,000 spending cap per calendar year). Terms apply. It has a $0 intro annual fee for the first year, then $95. But the high cash back rate can easily make up for that.
- If you want a longer balance transfer offer: The Citi® Double Cash Card – 18 month BT offer has an excellent unlimited cash back rate and a long 0% intro APR on balance transfers. If you need to refinance credit card debt or other types of debt, this Citi card is a smart choice.
As of Sep. 21, 2023
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| Blue Cash Everyday® Card from American Express | Blue Cash Preferred® Card from American Express | Citi® Double Cash Card – 18 month BT offer |
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Rating image, 4.00 out of 5 stars.
4.00 stars
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 |
Rating image, 5.00 out of 5 stars.
5.00 stars
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 |
Rating image, 4.00 out of 5 stars.
4.00 stars
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 |
|
Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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Credit Rating Requirement:
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)
Good/Excellent (670-850) |
Credit Rating Requirement:
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)
Good/Excellent (670-850) |
Credit Rating Requirement:
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: Fair to Excellent (580-850)
Fair to Excellent (580-850) |
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Welcome Offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. $200 |
Welcome Offer: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $250 |
Welcome Offer: N/A |
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Rewards Program: 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%. 1% - 3% cash back |
Rewards Program: 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. 1% - 6% cash back |
Rewards Program: 2% cash back: 1% when you buy plus 1% as you pay Up to 2% cash back |
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Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months |
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months |
Intro APR: N/A Purchases: N/A Balance Transfers: 0%, 18 months |
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Regular APR: 19.24%-29.99% Variable |
Regular APR: 19.24%-29.99% Variable |
Regular APR: 19.24% - 29.24% (Variable) |
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Annual Fee: $0 |
Annual Fee: $0 intro annual fee for the first year, then $95. |
Annual Fee: $0 |
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Highlights:
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Highlights:
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Highlights:
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Apply Now for Blue Cash Everyday® Card from American Express
On American Express' Secure Website. Terms apply |
Apply Now for Blue Cash Preferred® Card from American Express
On American Express' Secure Website. Terms apply |
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FAQs
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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.
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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.
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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 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.
Fact Checked
Nathan Alderman
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.
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For rates and fees for the Blue Cash Everyday® Card from American Express, click here
For rates and fees for the Blue Cash Preferred® Card from American Express, click here
The Motley Fool recommends Amex.