The Blue Cash Everyday® Card from American Express is a straightforward cash back rewards card offering bonus categories tailored to daily spending on groceries, gas, and more. With no annual fee, it can provide value for routine expenditures without breaking the bank.
In this review, we’ll explore the rewards potential, benefits, costs, approval requirements, and alternatives to help you determine if the Blue Cash Everyday has a place in your wallet.
Introduction to the Blue Cash Everyday® Card
The Blue Cash Everyday Card is part of Amex’s Blue Cash line of credit cards geared toward consumers who want simple cash back earnings on common purchases. With bonus rewards for groceries, gas, and select department stores, it packs earning power without charging an annual fee.
Overview of Rewards Rates
Here is an overview of the rewards rates offered by the Blue Cash Everyday® Card from American Express:
| Category | Rewards Rate | Details |
|---|---|---|
| U.S. Supermarkets | 3% cash back | On first $6,000 per year, then 1% back |
| U.S. Gas Stations | 2% cash back | On first $6,000 per year, then 1% back |
| Select U.S. Department Stores | 2% cash back | No cap |
| All Other Eligible Purchases | 1% cash back | Unlimited, no cap |
With 3% and 2% bonus categories on routine purchases, the earning potential is strong for no annual fee.
Welcome Bonus, Intro APR, and Benefits
New cardholders can earn a $200 statement credit when you spend $2,000 on purchases in the first 6 months. There is also a 0% intro APR for 15 months on purchases and balance transfers (3% fee).
Additional benefits include car rental insurance, roadside assistance, access to entertainment events, no foreign transaction fee, and extended warranty protection.
Fees to Know About
The Blue Cash Everyday Card has no annual fee, which is excellent for a cash back card. You’ll just pay:
- 3% foreign transaction fee on international purchases
- Balance transfer fee of 3% ($5 minimum)
- Up to $40 late fee and returned payment fee
Credit Score Needed for Approval
Thanks to no annual fee, approval requirements are modest:
- Good credit score of 690+
- Modest income around $20k – $40k
- Limited credit history OK (authorized user status helps)
As an American Express starter card, approval is attainable even if you are new to credit.
Blue Cash Everyday® CardCard Alternatives to Consider
Here is a table comparing some card alternatives to consider instead of the Blue Cash Everyday card:
| Card | Key Differences |
|---|---|
| Citi® Double Cash Card | – Earns easy flat-rate 2% back on all purchases (no categories) – No annual fee |
| Wells Fargo Active Cash® Card | – 2% cash back on everything – Cell phone protection – No annual fee |
| Chase Freedom Unlimited® | – 1.5% back on all purchases – Has rotating 5% bonus categories – No annual fee |
| Blue Cash Preferred® Card | – 6% back on groceries and streaming – $95 annual fee – Higher rewards potential |
Our Verdict
With 3% cash back on up to $6,000 in annual grocery purchases, no annual fee, and attainable approval requirements, the Blue Cash Everyday® Card from American Express can provide solid rewards value for routine spenders. Just be sure your credit profile and spending habits align before applying.