Blue Cash Everyday® Card from American Express Review: Earn Big Cash Back on Your Groceries
You can earn double or triple cash back in popular spending categories. Check out our review to decide if it’s the cash-back card you should get.
Great for: U.S. supermarkets cash back Blue Cash Everyday® Card from American Express
- $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 15.24% to 26.24%.
- 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.
American Express is known for packing its credit cards full of benefits. That’s even the case with its no-annual-fee cash-back card, the Blue Cash Everyday® Card from American Express. You’ll get multiple bonus categories where you can earn more cash back, a welcome bonus that starts you off with a nice chunk of cash, an intro APR offer, and top-notch purchase protections. No card is perfect, though, and the Blue Cash Everyday Card® from American Express has a couple flaws to note.
What I like
Up to 3% cash back -- Depending on where you use the card, you’ll earn between 1% and 3% cash back. Here are its cash-back rates:
3% at U.S. supermarkets, capped at $6,000 per calendar year
2% at U.S. gas stations and at select U.S. department stores
1% on all other spending
Overall, the card has a solid mix of bonus categories at places most people visit frequently. You’ll likely have several purchases per month earning either 2% or 3% back.
$150 welcome bonus -- You receive this as a statement credit after spending $1,000 within the first three months. The spending minimum is higher than average for the bonus amount, as multiple cash-back cards have $150 bonuses for spending $500. This usually won’t be an issue, though, because you still only need to spend an average of $333.34 per month to get this bonus.
No annual fee -- American Express doesn’t charge an annual fee for carrying this card.
0% intro APR -- The intro APR applies to purchases and balance transfers for the first 15 months, putting it among the best 0% APR cards. Intro periods of 15 months or longer are uncommon, especially when they include purchases and balance transfers.
Travel and purchase protections -- Includes car rental insurance and roadside assistance. When it comes to purchase protection, the card has return protection, coverage for theft and accidental damage, and extended warranty coverage. The extended warranty coverage is particularly impressive, adding up to one year of coverage onto eligible warranties of five years or less. Many other cards only offer that on warranties lasting one to three years.
Why you can trust me
I’ve written many reviews and comparisons for coverage of The Ascent's best credit cards, so I’ve done in-depth research on dozens of cards. While credit cards are one of the main subjects I write about, I also use them in my everyday life, and we’re not talking about just one or two cards. Over the past two years, I’ve applied for seven cards and counting, accumulated hundreds of thousands of points, and redeemed those rewards for free travel.
What could be improved
2.7% foreign transaction fee -- This is slightly lower than the usual 3% foreign transaction fee, but it’s still an extra expense when you travel. With this fee and the fact that all of this card’s bonus categories specify U.S. businesses, the card is only a good choice if you spend most of your time (and money) in the United States.
Limitations on 3% cash back -- The $6,000 annual cap on 3% cash back at U.S. supermarkets may not be enough for a large family. If you usually eat at home, you may spend more than $500 per month on groceries. You also won’t earn 3% back at superstores and warehouse clubs, so grocery purchases at those businesses won’t qualify.
What to look for in a cash-back card
The objective with a cash-back card is to earn as much money back from your spending as possible. To know which card will be best for that, you need to look at each card’s cash-back rates, bonus, and annual fee.
The Blue Cash Everyday® Card from American Express does well in all three categories. It has good cash-back rates that allow just about anyone to earn the occasional 2% or 3% back, although only you can determine if another card with different bonus categories would better fit your spending habits. There’s a fantastic welcome bonus, and you’re not paying an annual fee.
Another reason you may be looking for a cash-back card is for a 0% intro APR offer to cover a big purchase without paying interest or to refinance credit card debt. With its generous intro period, this card is a smart choice for either of those.
Blue Cash Everyday® Card vs. Blue Cash Preferred® Card
It wouldn’t make sense to discuss the Blue Cash Everyday® Card from American Express without mentioning the other Blue Cash Card in the American Express lineup. The Blue Cash Preferred® Card from American Express has a $95 annual fee, but for that you get:
6% back at U.S. supermarkets, with the same $6,000 spending cap per calendar year
3% back at U.S. gas stations and at select U.S. department stores
A $200 welcome bonus statement credit for spending $1,000 within three months
The big difference is that the Blue Cash Preferred® Card from American Express earns 3% more at U.S. supermarkets. For that to outweigh the $95 it costs you per year, you would need to spend more than $3,166.67 per year at supermarkets, which is about $263.89 per month (3% back on $3,166.67 is $95).
If you’re planning to use the 0% intro APR to finance anything or pay off debt, keep in mind that the Blue Cash Preferred® Card from American Express has a shorter intro period of 12 months. Make sure you do the math to find out if you’ll need those extra three months.
|Blue Cash Everyday® Card from American Express||Blue Cash Preferred® Card from American Express|
On American Express' Secure WebsiteRead Full Review Rates & Fees
On American Express' Secure WebsiteRead Full Review Rates & Fees
|Bonus: $150 statement credit after spending $1,000 within three months||Bonus: $200 Statement Credit After Spending $1,000 Within Three Months|
|Rewards Program: 3% Cash Back At U.S. Supermarkets (on up to $6,000 of spending per year), 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on all else||Rewards Program: 6% Cash Back At U.S. Supermarkets (on up to $6,000 of spending per year), 2% Cash Back At U.S. Gas Stations And At Select U.S. Department Stores, 1% Back On All Else|
|Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months||Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months|
|Regular APR: 15.24%-26.24% Variable||Regular APR: 15.24%-26.24% Variable|
|Annual Fee: $0||Annual Fee: $95|
|Show More||Show More|
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 their requirements, and there are the occasional reports of successful applicants with scores as low as 600, but you’ll be rolling the dice.
This card is right for you if...
For a cash-back card that doesn’t cost you a thing, 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
A high cash-back rate on groceries
A lengthy 0% intro APR period for purchases and balance transfers
You’re better off looking elsewhere if most of your spending is in a different category, such as travel or dining, or you need a card that you can use when traveling internationally. And if your grocery bill usually runs over $263.89 per month, try the Blue Cash Preferred® Card from American Express instead.