Blue Cash Everyday® Card from American Express Review [2022]: Easy Cash Back, No Annual Fee

The Amex Blue Cash Everyday Card is aimed at helping you earn simple cash back on purchases you literally make everyday. This card can be a good fit in a lot of people's wallets. Here's why.
Last updated Sept. 23, 2022 | By Miranda Marquit

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

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

Intro Offer

Earn a $200 statement credit after spending $2,000 in the first 6 months

Annual Fee

$0

Rewards Rate

3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), 2% cash back at select U.S. department stores, and 1% cash back on other purchases

Benefits and Drawbacks

Benefits

  • Earn a $200 statement credit after spending $2,000 in the first 6 months
  • Introductory APR offer for purchases and balance transfers
  • 3% cash back at U.S. supermarkets, U.S. gas stations, and on online retail purchases (up to $6,000 in each category)
  • Annual fee of $0. Terms apply.

Drawbacks

  • No travel rewards
  • Grocery rewards are capped
  • Rewards dollars can’t be used toward the minimum payment due
Card Details
  • Earn a $200 statement credit after spending $2,000 in the first 6 months
  • 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), 2% cash back at select U.S. department stores, and 1% cash back on other purchases
  • Intro purchase 0% APR offer: 0% for 15 months then 16.99% to 27.99% (variable)
  • Intro balance transfer 0% APR offer: 0% for 15 months then 16.99% to 27.99% (variable)
  • Terms apply

In this Amex Blue Cash Everyday review

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 such as groceries and gas. The tiered bonus categories allow consumers to get cash back (in the form of statement credits) 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 including free checked bags, Global Entry or TSA PreCheck reimbursement, or airport lounge access. This list of the best travel credit cards might provide you with better options if you’re looking for travel perks.

Card basics

Card type Cash Back
Card issuer American Express
Annual fee $0 (See rates and fees). Terms apply.
Welcome bonus Earn a $200 statement credit after spending $2,000 in the first 6 months
Reward rate 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), 2% cash back at select U.S. department stores, and 1% cash back on other purchases
Recommended credit score Excellent, Good
Intro APR 0% for 15 months on purchases, then 16.99% to 27.99% (variable) (See rates and fees)

0% for 15 months on balance transfers, then 16.99% to 27.99% (variable) (See rates and fees)
Foreign transaction fee 2.7% (See rates and fees)

Blue Cash Everyday Card from American Express benefits and perks

  • Generous welcome offer: Earn a $200 statement credit after spending $2,000 in the first 6 months. 
  • Great intro APR: With a 0% introductory APR on purchases and balance transfers for 15 months, this is a good credit card for large purchases and transferring high-interest balances. New cardholders can pay those purchases and transfers off over time without incurring interest charges. After the intro period has ended, then the regular 16.99% to 27.99% (variable) APR will apply.
  • Cash back on everyday items: Get cash back on items you buy every day: 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), 2% cash back at select U.S. department stores, and 1% cash back on other purchases. This is a good way to earn cash back on items already in your budget.
  • Statement credits for the Disney bundle: Get $7 back each month when you spend at least $13.99 on an eligible subscription to the Disney Bundle - Disney+, Hulu, and ESPN+. Enrollment required.
  • Home Chef statement credits: Receive up to $15 back per month in statement credits for eligible Home Chef meal solutions purchased online. Enrollment required.
  • $0 annual fee: The Amex Blue Cash Everyday card has a $0 annual fee.
  • 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. Enrollment required.
  • 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, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), this bonus rate is capped at $6,000 in spending annually per applicable category. So if your yearly budget for supermarket or gas spending is greater than $6,000 (or more than $500 per month), this card might not be the best fit for you. You could consider one of the best credit cards for groceries or best credit cards for gas instead.
  • 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. All cash back earned comes in the form of statement credits.

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: $703

Year two earnings: $503

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. 

Best ways to earn

The best way to earn cash back with the Blue Cash Everyday card is to use it for your regular grocery, gas, and online retail purchases. You automatically receive a higher earnings rate with those bonus categories, and don't need to worry about rotating categories as you do with a card such as the Chase Freedom Flex℠. Simply create your budget as normal and make sure to use your Blue Cash Everyday card when you go to the supermarket, the gas station, and for online retail purchases.

It’s important to note that you’ll be capped in terms of how much you can earn in supermarket, gas, and online retails rewards. Once you spend $6,000 in each category during the year, your earning rate will drop to 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 such as Costco or a superstore such as Target or Walmart.

Categories Rewards rate
U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category) 3%
Select U.S. department stores (through 10/31/22) 2%
Other purchases 1%

Maximizing your redemptions

You will earn your cash back in the form of Reward Dollars and redeeming them is simple. You can take your redemption as a statement credit once you’ve earned $25 in Reward Dollars. 

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 will likely 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® Credit Card 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, after that 1X), and 1X on everything else. While the Blue Cash Everyday offers 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category), 2% cash back at select U.S. department stores, and 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 Amex card such as the Blue Cash Preferred® Card from American Express, or a card from a completely different credit card issuer such as the Citi® Double Cash Card - 18 month BT offer. Here's why these rewards credit cards might be a better fit for you: 

The Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets (for first $6,000 per year, after that 1X) and on U.S. streaming services, 3% at U.S. gas stations and on eligible transit, and 1% on other purchases. Like the Blue Cash Everyday, cash back is offered in the form of statement credits. This card does come with a $95 (See rates and fees) annual fee. But if you spend anywhere close to the national average on groceries, your cashback earnings from this category alone will more than cover twice the annual fee.

The Citi® Double Cash Card - 18 month BT offer 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 for those purchases. 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

See how these cards compare:

Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
  • Earn a $350 statement credit after spending $3,000 on purchases in the first 6 months
  • 6% cash back on U.S. supermarkets (on up to $6,000 per year, after that 1X) and select U.S. streaming services
  • 3% cash back at U.S. gas stations and eligible transit
  • Introductory APR for purchases and balance transfers
  • See rates and fees
Citi® Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer
  • Earn $200 cash back after spending $1,500 in the first 6 months (limited time offer)
  • 0% intro APR on balance transfers for 18 months, then 16.24% to 26.24% (variable) APR
  • Up to 2% cash back on all purchases: 1% as you buy and 1% as you pay for those purchases
  • No annual fee

Author Details

Miranda Marquit Miranda Marquit has been covering money for more than a decade and is a nationally-recognized financial expert and journalist, appearing on CNBC, NPR, Forbes, Yahoo! Finance, FOX Business, and numerous other outlets.