Quick Take: The American Express Blue Cash Everyday Card delivers a generous 3% cash back on purchases of up to $6,000 annually at grocery stores, 2% at gas stations, and 1% on all other purchases, including grocery purchases above the $6,000 limit. While American Express is well known for its 171-year history and provides prestigious charge cards to individuals and business owners, the American Express Blue Cash Everyday Card is the perfect offering for regular shoppers. With no annual fee and a 0% intro APR for your first 15 months of card membership, American Express Blue Cash Everyday Card offers many of the high-end perks and benefits of American Express charge cards with no cost to carry the card and the flexibility to carry a balance.
- Introductory APR and Interest Rate
- Rewards Program
How did we calculate this?
- No annual fee
- 0% introductory APR
- Cash back rewards
- Buy Now, Pay Later program
- Access to experiences
- Purchase protection
- High APR
- Few travel and shopping benefits
- Foreign transaction fees
- No balance transfers available
Overview of American Express Blue Cash Everyday Card
American Express Blue Cash Everyday Card is a solid, simple cash back rewards credit card for people with good to excellent credit. With no annual fee and all the benefits you’d expect from American Express, it’s an easy card to carry and use for virtually all your purchases within the United States.
The rewards are not as robust as some. Chase Freedom Unlimited and Chase Freedom Flex offer 5% cash back on purchases in specific categories, including travel, and 3% on dining and drugstore purchases. But if you want a solid card for everyday use, with 3% cash back on grocery purchases (up to $6,000 in purchases annually), 2% on gas, and 1% on everything else, without worrying about rotating categories, American Express Blue Cash Everyday Card could be the card for you.
The card has a 2.7% foreign purchase transaction fee, so you’ll want to carry another card — like the American Express Gold credit card — when you travel overseas.
Who It’s Best For
If you’re looking for a straightforward rewards credit card that delivers cash back, put American Express Blue Cash Everyday Card on your list of cards to consider. The 15-month 0% introductory APR also makes it a good card to have in case of emergency or if you’re planning a vacation, home renovations, or a treat for yourself and want to space out the costs over time.
The spending limit of $6,000 on groceries for 3% cash back is only $500 per month, so larger families are likely to max out that credit quickly.
The American Express Blue Cash Everyday Card competes favorably with Chase Freedom, another credit card in the same class, offering a 0% APR on purchases for the first 15 months. Once your intro APR expires, you’ll have a variable APR of between 13.99% and 23.99%, which starts one percentage point lower than Chase Freedom for those with excellent credit.
Unfortunately, Blue Cash Everyday does not permit balance transfers, which Chase Freedom does.
But American Express Blue Cash Everyday Card has another feature that can help you manage your money. The American Express Plan It program, similar to a buy now, pay later plan, allows you to choose any purchase of $100 or more and then set a plan option where you pay a fixed monthly fee to pay down that debt. For the first 15 months, you won’t have any fees when you use the Plan It option. After that, you’ll pay up to 1.33% of each purchase.
The Rewards program for Blue Cash Everyday Card is super simple. Here’s how it works:
- Earn 3% cash back on the first $6,000 worth of grocery store purchases annually. After that, you’ll receive 1% on grocery rewards. Purchases at wholesale clubs and superstores like Target or Walmart earn 1% back every day, not 3%.
- Earn 2% cash back at gas stations across the U.S., again excluding gas purchases at warehouse clubs or superstores.
- Finally, earn 1% cash back every day on all other purchases.
When it comes to bonus cash back, you don’t have to worry about rotating categories or “activating” your card to receive bonus points. It all happens automatically, which means you can earn more without thinking about it. You can redeem your rewards for a statement credit as soon as you accrue $25 in cash back.
Plus, you can get up to $250 cash back as a new cardmember if you spend $2,000 in purchases within the first six months. This offer may not appear when you first visit the American Express website, and the site warns that it could disappear if you navigate away. Clearing your browser cache and revisiting the site could help if you find the offer vanished.
American Express Blue Cash Everyday stands out with no annual fee — ever. Plus, you can request as many additional cards as you’d like for authorized users on your account, all with no extra fee.
However, there are a few other fees you should be aware of, which keep the card from earning a solid 5 rating in the category. The card has a cash advance fee of the greater of $10 or 5% of the amount of the cash advance.
There are foreign transaction fees of 2.7% after the purchase is converted to U.S. dollars.
Finally, be aware of late payment and returned payment fees of up to $40, which is comparable to Chase Freedom.
American Express travel credit cards are known for their robust benefits, including experiences, travel insurance, and emergency services for travelers far from home. As an everyday cash rewards card, however, the American Express Blue Cash Everyday Card doesn’t exactly shine in the benefits department.
But what it does offer is solid and useful, including fraud protection, access to exclusive American Express experiences, the American Express Global Assist Hotline for emergencies away from home, and car rental loss and collision damage waiver insurance.
Good To Know
The American Express Blue Cash Everyday card can go the distance for you with no annual fee. If you don’t want to think about rewards and want to receive easy statement credits, the American Express Blue Cash Everyday Card delivers.
What Sets American Express Blue Cash Everyday Card Apart
The American Express Blue Cash Everyday Card is a credit card, not a charge card, providing greater flexibility when it comes to making payments. The American Express Plan It feature can help families on a budget ensure they don’t get in over their head with debt by establishing monthly payment plans for purchases over $100.
Of course, you can commit to paying off a large purchase over time by dividing the total charge by the number of months in which you hope to pay it off. But the Plan It feature keeps you accountable, factoring in that payment as part of your monthly minimum payment due.
What’s more, the generous, easy rewards without the need to remember rotating categories or “opt-in” to earn cash back could be enough to earn American Express Blue Cash Everyday Card a place in your wallet.
American Express Blue Cash Everyday Card vs. Citi Double Cash Card
The Citi Double Cash Card is one of the top competitors to American Express Blue Cash Everyday Card. It’s equally simple to use, and, beginning March 28, 2022, delivers more flexibility in how you earn rewards. The Citi website details that, beginning this spring, you can redeem ThankYou Points for your choice of cash back in the form of a statement credit, direct deposit, or a check. You can also redeem Citi ThankYou points for a variety of gift cards, merchandise or travel, making it a more flexible card.
However, the cash back rewards don’t compare to Blue Cash Everyday, which offers up to 3% cash back on certain purchases. Citi Double Cash delivers just two points for every dollar spent – one when you make the purchase and one when you make a payment on that purchase.
Like Blue Cash Everyday, Citi Double Cash has no annual fee. It also allows balance transfers, so if you’re looking to consolidate debt onto a cash back rewards card with 0% interest, the Citi Double Cash should be your choice over Blue Cash Everyday. However, if you’re looking to maximize your rewards, consider Blue Cash Everyday, instead.
American Express Blue Cash Everyday Card vs. American Express Blue Cash Preferred
Many people considering the Blue Cash Everyday Card might want to take a second look at the Blue Cash Preferred card instead. Blue Cash Preferred delivers 6% cash back at supermarkets, which is double Blue Cash Everyday. The spending limit of $6,000 is still in place, and any purchases past that maximum will receive 1% rewards. Blue Cash Preferred also delivers 6% rewards on select U.S. streaming subscription services, 3% on gas stations and also select transit services such as taxis or rideshare services, tolls, trains, and buses, and 1% cash back on all other purchases.
Plus, instead of getting $200 or $250 in bonus cash back after you spend $2,000 in the first 6 months of owning your card, you can earn $300 or $350 after you spend $3,000 in purchases in the first six months.
The higher rewards, larger sign-on bonus, plus the additional categories could make Blue Cash Preferred a better value for many cardmembers, but all these rewards come at a cost — a $95 annual fee, which is waived the first year.
Is It Right For You?
If you are looking for a straightforward cash back rewards card and the $6,000 limit on groceries doesn’t bother you in terms of bonus rewards, the American Express Blue Cash Everyday Card could be a good card to carry. It doesn’t deliver best-in-class rewards, but there’s no annual fee.
If you’re looking for a card for a specific purchase within the next 15 months, the Blue Cash Everyday can also fit the bill with a 0% introductory APR. After that, you’ll want to pay off your balance in full every month to avoid finance charges.
American Express Blue Cash Everyday FAQ
Here’s some more answers to questions about the American Express Blue Cash Everyday credit card.
- Is American Express Blue Cash a good card?
- When you’re evaluating credit cards, you want to consider the interest rate, annual fee, rewards, and the features and benefits it offers. American Express Blue Cash Everyday is a good, straightforward card that delivers cash back rewards and has a 0% introductory APR. With no annual fee, it is safe to consider American Express Blue Cash Everyday a “good” credit card for many people.
- Is it hard to get an American Express card?
- While American Express has fostered a reputation as a prestigious, high-end luxury credit card, it’s not actually any harder to qualify for Blue Cash Everyday than another cash back rewards card like Chase Freedom or Citi Double Cash. This is not a “starter” credit card for people building their credit. You will need an American Express Blue Cash credit score of 670 or higher to qualify for Blue Cash Everyday.
- Can I withdraw cash from my American Express Blue Cash Everyday card?
- Your Amex Blue Cash Everyday card allows cash advances through an ATM. Be aware the APR is 25.24%, so there may be cheaper ways to get cash if needed. Consider paying with your card, instead, or using the American Express Send & Split feature to send money to friends through Venmo or PayPal using the American Express app.
- What is American Express Blue Cash Reward Dollars?
- American Express Blue Cash describes American Express’ line of credit cards that permit you to carry a balance. Both Blue Cash Everyday and Blue Cash Preferred have 0% introductory APRs, but after that period expires, you’ll pay interest charges on your purchases if you carry a balance.
Alicia Bodine contributed to the reporting for this article.
Rates and fees are accurate as of March 7, 2022, and are subject to change.
Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.
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About the Author
Dawn Allcot is a full-time freelance writer and content marketing specialist who geeks out about finance, e-commerce, technology, and real estate. Her lengthy list of publishing credits include Bankrate, Lending Tree, and Chase Bank. She is the founder and owner of GeekTravelGuide.net, a travel, technology, and entertainment website. She lives on Long Island, New York, with a veritable menagerie that includes 2 cats, a rambunctious kitten, and three lizards of varying sizes and personalities – plus her two kids and husband. Find her on Twitter, @DawnAllcot.
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