One way to get the most out of a credit card is to choose one that offers rewards you’ll actually use. The Blue Cash Everyday Card from American Express has a tiered rewards program aimed at prioritizing the things you buy literally every day. This Amex Blue Cash Everyday review will help you decide if this card is a good fit for you.
A Simple Cashback Card for Day-to-Day
- $100 welcome bonus + 20% cash back at Amazon.com
- No annual fee
- 0% intro APR on purchases for 15 months
- 3% cash back at U.S. supermarkets
- Terms apply
- No travel rewards
- Grocery rewards are capped
- Rewards dollars can’t be used toward the minimum payment due
Who should get the Amex Blue Cash Everyday?
The Amex Blue Cash Everyday is a rewards credit card aimed at those who want cash back when they spend on regular, everyday purchases like groceries and gas. The tiered bonus categories allow consumers to get cash back on things that are probably in their budgets anyway. For someone who wants a simple cashback card and to be rewarded for things they’re already buying, this can be a good choice.
If you’re looking to earn travel rewards and perks, though, this card might not be for you. The focus is on cash back, so you won’t earn airline miles with a specific program or get perks like free checked bags, Global Entry or TSA PreCheck reimbursement, or airport lounge access. This list of the best travel cards might provide you with better options if you’re looking for travel perks.
|Card type||Cash Back|
|Card issuer||American Express|
|Welcome bonus||Earn $100 cash back after spending $1,000 in the first 6 months, plus earn 20% back on purchases at Amazon.com during the first 6 months (up to $200 back)|
|Reward rate||3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases|
|Recommended credit score||Excellent, Good|
|Intro APR||0% for 15 months on purchases
|Foreign transaction fee||2.7%|
Blue Cash Everyday Card from American Express benefits and perks
- Generous welcome offer: Earn $100 cash back after spending $1,000 in the first 6 months, plus earn 20% back on purchases at Amazon.com during the first 6 months (up to $200 back). You’ll receive a statement credit for the $100 bonus once you meet the minimum spending requirement.
- Great intro APR on purchases: The introductory APR on purchases is 0% for 15 months. The low intro APR makes this a good credit card for large purchases, since new cardholders can pay those purchases off over time without incurring interest charges. After the intro period has ended, then regular interest rates will apply.
- Tiered cash back on everyday items: Get cash back on items you buy every day: 3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases. This is a good way to earn cash back on items already in your budget.
- No annual fee: You won’t have to pay an annual fee with the Amex Blue Cash Everyday card.
- Car rental coverage: If you use this card to book a rental car and decline the collision damage waiver, then Amex will cover you with rental car insurance if the vehicle is stolen or damaged.
- ShopRunner benefits: As a cardholder, you will get a complimentary ShopRunner membership. This can get you free two-day shipping on eligible purchases through participating online retailers.
- Instant card number: For some applicants, an instant card number may be available if you are approved for a new card. That means you could start shopping right away upon approval though you may not have access to your entire credit limit. As with any credit card, your total credit line will be determined based on your creditworthiness and credit history.
Drawbacks to this card
- Cap on bonus spending: While this card does earn you 3% on purchases at U.S. supermarkets, this bonus rate is capped at $6,000 in spending. So if your household has some big grocer spenders and that's less than your yearly budget for supermarket spending, this card might not be the best fit for you or you may need a second credit card that earns rewards on groceries.
- Foreign transaction fee: If you plan to travel outside the U.S., this card will not be the best fit. You'll be better off with a credit card with no foreign transaction fee.
Earning & redeeming cash back
Potential earnings in years one and two
Here's a look how your cash back rewards can add up with the Blue Cash Everyday Card from American Express.
Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.
Year one earnings: $693
Year two earnings: $593
These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee. This total does not include the 20% cash back on Amazon.com purchases for new cardmembers, so you could earn another $200 back in your first year if you maximized that opportunity.
Best ways to earn
The best way to earn cash back from the Blue Cash Everyday card is to use it for your regular grocery and gas purchases. You automatically receive a higher earnings rate with those bonus categories, and you won’t have to worry about rotating categories like you would with a card like the Chase Freedom. Simply create your budget as normal and make sure to use your Blue Cash Everyday card when you go to the supermarket and to the gas station.
It’s important to note that you’ll be capped in terms of how much you can earn in supermarket rewards. Once you spend $6,000 at U.S. supermarkets during the year, you’re dropped down to earning 1% cash back in that category. It’s important to keep this in mind and to consider other cards you might have with rotating spending categories so you can get the maximum cash back.
Additionally, American Express does not consider superstores and warehouse clubs to be supermarkets. So this would not be a good rewards card if your "grocery store" is a warehouse club like Costco or a superstore like Target or Walmart.
|U.S. gas stations and select U.S. department stores||2%|
Maximizing your redemptions
You will earn your cash back in the form of Reward Dollars and redeeming them is simple. You can take your redemptions once you’ve earned $25 in Reward Dollars. And you can ask for the cash as a statement credit or request a physical check, whichever is preferred by you. Gift cards are not typically available as a redemption option.
Amex Blue Cash Everyday FAQs
Is the Blue Cash Everyday Card a charge card?
No, the Blue Cash Everyday Card is not a charge card. A charge card is one that must be paid off at the end of each month. Instead, the Blue Cash Everyday card is a credit card. If you carry a balance, you’ll pay interest.
What credit score is needed for the American Express Blue Cash Everyday?
To get the American Express Blue Cash Everyday Card, you need to have a good to excellent credit score. You can get a look at your credit history and know if you are likely to be approved for any given credit card by regularly checking your credit report.
What is the difference between the Amex EveryDay and Blue Cash Everyday?
There are a few differences between the Amex EveryDay Card and the Blue Cash Everyday Card. First, instead of getting cashback rewards, the Amex EveryDay offers American Express Membership Rewards points.
Additionally, the two cards offer different rewards rates. The Amex EveryDay offers 2X points per dollar on the first $6,000 spent at U.S. supermarkets each year, and 1X on everything else. While the Blue Cash Everyday offers 3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on other purchases.
Does the American Express Blue Cash Everyday have an annual fee?
No, the American Express Blue Cash Everyday card doesn’t have an annual fee.
Other cards to consider
If you’re interested in other cashback credit cards, you may consider another American Express card, the Blue Cash Preferred, or a card from a completely different credit card issuer, the Citi Double Cash. Here's why these rewards credit cards might be a better fit for you.
The Amex Blue Cash Preferred Card offers higher rewards tiers for purchases at U.S. supermarkets (on up to $6,000 per year) and select U.S. streaming services, as well as purchases at U.S. gas stations and eligible transit. But this an annual-fee card with a $95 (waived first year) annual cost. But it you plan to hit the bonus threshold in the top tier alone based on your budget, that annual fee becomes more than worth the cost for this Amex card.
The Citi Double Cash Card is a better fit for people who want ample cash rewards but don't want to track their spending or use multiple rewards cards. The Citi Double Cash earns you a rewards rate of up to 2% cash back on all purchases: 1% as you buy and 1% as you pay. This means you earn that rewards rate on your spending whether you're shopping at Amazon, Kohl's, or a one-of-a-kind boutique shop. This card also has a $0 annual fee.
A Simple Cashback Card for Day-to-Day
Earn $100 cash back after spending $1,000 in the first 6 months, plus earn 20% back on purchases at Amazon.com during the first 6 months (up to $200 back)
See how these cards compare:
Blue Cash Preferred Card from American Express
- $300 statement credit welcome offer (limited time offer - ends Dec. 10)
- 6% cash back on U.S. streaming services and at U.S. supermarkets
- 3% cash back at U.S. gas stations and on eligible transit
- 0% intro APR on purchases
- Terms apply
Citi Double Cash Card
- 0% intro APR on balance transfers for 18 months
- 2% cash back on all purchases - 1% when you buy and 1% when you pay
- No annual fee