Blue Cash Everyday Card from American Express Review: Cash Back with No Annual Fee [2020]

This Amex Blue Cash Everyday review will help you decide if it’s the right cashback card for you.
Last updated Nov 2, 2019 | By Miranda Marquit

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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

Benefits

  • $150 welcome bonus after spending $1,000 in the first 3 months
  • No annual fee
  • 0% intro APR period on purchases and balance transfers for 15 months
  • 3% cash back at U.S. supermarkets; 2% at U.S. gas stations and select department stores; 1% on all other purchases
  • Terms apply

Drawbacks

  • No travel rewards
  • Grocery rewards are capped
  • Rewards dollars can’t be used toward the minimum payment due


Who should get this card?

The Amex Blue Cash Everyday is aimed at those who want cash back when they spend on regular, everyday purchases like groceries and gas. The tiered 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 basics

Annual Fee $0
Welcome Bonus Earn $150 cash back after spending $1,000 in the first 3 months
Recommended Credit Score Excellent, Good
Intro APR 0%
Foreign Transaction Fee 2.7% of each transaction after conversion to US dollars

Top card benefits

  • Generous welcome offer: Earn $150 cash back after spending $1,000 in the first 3 months. You’ll receive a statement credit for the bonus.
  • Great Intro APR: The APR is 0% and lasts for the first 15 months. This can help you consolidate other high-interest balances. The intro purchase APR is also 0% for 15 months, so you can use this card to make major purchases and pay them off over time.
  • 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.
  • Easy to redeem Reward Dollars: You can redeem Reward Dollars for a statement credit, gift cards, or even a physical check. You can figure out which form is best for you.

Earning & redeeming

Earning and redeeming cashback rewards is fairly straightforward. Here’s how to get the most out of your American Express Blue Cash Everyday Card.

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 categories, and you won’t have to worry about rotating categories. 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 categories so you can get the maximum cash back.

Categories Rewards rate
U.S. supermarkets 3%
U.S. gas stations 2%
All other purchases 1%

Maximizing your redemptions

Redeeming is simple. You can maximize your redemptions by choosing to get your rewards in the way that makes the most sense for you. You can take your redemptions once you’ve earned $25 in Reward Dollars. You can ask for the cash as a statement credit, get a gift card, or request a physical check.

Common questions

Is the Blue Cash Everyday Card a charge card?

No. 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.

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 percentages, the Amex EveryDay offers Membership Rewards points.

Additionally, the Amex EveryDay card offers extra earnings only at U.S. supermarkets, not at gas stations. So, while you get 3% cash back on purchases at U.S. supermarkets and 2% cash back at U.S. gas stations with the Blue Cash Everyday, you just get 2X points at U.S. supermarkets with the Amex EveryDay card. You can also get a bonus of 20% extra points when you use your Amex EveryDay card at least 20 times in a month.

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 the Blue Cash Preferred card or the Chase Freedom card. 

The Amex Blue Cash Preferred Card offers higher rewards tiers for purchases at U.S. supermarkets and gas stations but comes with a $95 annual fee. The Chase Freedom card offers rotating categories that can earn you up to 5% cash back on those categories each quarter; it has a $0 annual fee.

A Simple Cashback Card for Day-to-Day

See how these cards compare:

Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express
  • $250 statement credit welcome offer
  • 6% cash back on U.S. streaming services and U.S. supermarkets
  • 3% cash back at U.S. gas stations and on eligible transit
  • 0% Intro APR on balance transfers and purchases
  • Terms apply
Chase Freedom Card
Chase Freedom Card
  • $150 sign-up bonus
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • 5% cash back in rotating bonus categories