This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards.

Blue Cash Everyday® Card from American Express

4.1/5

A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star

Editor's Rating

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable

A tooltip

Recommended Credit Score

Good to Excellent

Pros & Cons Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros

• Good bonus cash-back rate at US supermarkets
• No annual fee

Cons

• If you spend more than $6,000 at US supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap

Read Our Review Read Our ReviewA looong arrow, pointing right

Details Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

More Information

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
• 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
• 2% Cash Back at U.S. gas stations.
• 1% Cash Back on other purchases.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
• No annual fee.
• Terms Apply.

Review: Is the Amex Blue Cash Everyday the right card for you?

Grocery stores and gas stations are two of the biggest credit card expenses for many people, and what better way to combat some of your highest expenses than getting cash back in both of those categories?

The Blue Cash Everyday® Card from American Expressearns cash back on every purchase, with no annual fee (See Rates). It's an especially good choice for purchases in its bonus categories. You'll get 3% back on the first $6,000 spent at U.S. supermarkets each calendar year (then 1% back) and 2% back at U.S. gas stations (cash back is received in the form of Reward Dollars).

The Blue Cash Everyday® Card from American Express offers cash back in lieu of miles or points, but the upside of earning cash back is that you can use it for travel expenses that aren't covered by travel rewards points, or of course for any type of expense.

If you put an average $1,500 per month on your card — including $500 per month at supermarkets and $75 at gas stations — you'd end up with $309 in cash back at the end of your first year.

That's not a bad return for a card with no annual fee — and it doesn't even include the welcome offer: earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months. That could boost your total return to $509 in your first cardholder year.

Bottom line: The Blue Cash Everyday® Card from American Express is a solid cash-back card with no annual fee. It's an especially valuable choice for purchases at US supermarkets and gas stations, thanks to its bonus earning categories.

Blue Cash Everyday versus other Amex cash-back cards

*3% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back

**6% back on up to $6,000 spent at US supermarkets in a calendar year, then 1% back

Blue Cash Everyday versus other cash-back cards

How to redeem your cash back

The fact that the Blue Cash Everyday® Card from American Express earns cash back instead of points is both a good thing and a bad thing. It's a good thing if you're looking for a simple rewards program. Because you're just getting cash back, there is no such thing as a "bad" redemption — the value of cash never changes.

The flip side of that is that there is not really a "good" redemption, either. All redemptions are just statement credits that are redeemed at the same value no matter what.

You can redeem your reward dollars for statement credits whenever your available reward dollars balance is $25 or more. You cannot use cash back to pay your minimum balance due.

Blue Cash Everyday card features

Because the Blue Cash Everyday® Card from American Express is fairly basic, there aren't a lot of the ancillary benefits that come with some other cards. You've got the 3% and 2% bonus categories, no annual fee, and that's about it.

One benefit that might be of use to some people is the 15-month introductory 0% APR rate on purchases. You get the introductory 0% APR on purchases that are made in the first 15 months of account opening, then a 15.49% - 25.49% Variable will kick in.

Blue Cash Everyday® Card from American Express

4.1/5

A five pointed starA five pointed starA five pointed starA five pointed starA five pointed star

Editor's Rating

Annual Fee

$0

Regular APR

15.49% - 25.49% Variable

A tooltip

Recommended Credit Score

Good to Excellent

Pros & Cons Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros

• Good bonus cash-back rate at US supermarkets
• No annual fee

Cons

• If you spend more than $6,000 at US supermarkets in a year, you should use another card to earn bonus rewards once you hit that cap

Read Our Review Read Our ReviewA looong arrow, pointing right

Details Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

More Information

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
• 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
• 2% Cash Back at U.S. gas stations.
• 1% Cash Back on other purchases.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
• No annual fee.
• Terms Apply.

Blue Cash Everyday costs and fees

The Blue Cash Everyday® Card from American Express has no annual fee but does charge a variety of other fees.

The card charges a variable interest rate, currently a 15.49% - 25.49% Variable, based on your creditworthiness and other factors as determined at the time of account opening. The card does offer an introductory 0% APR for 15 months on purchases after account opening, after which the 15.49% - 25.49% Variable rate takes effect (See Rates).

For cash advances, there's a fee of $10 or 5% (See Rates) of the amount of each cash advance, whichever is greater and an interest rate of 25.99% (See Rates). The penalty APR on the card is 29.99% (variable) and late and returned payments cost up to $40 each. (See Rates)

• Dan Miller

  Dan Miller is a freelance writer and founder of PointsWithACrew.com, a site that helps families to travel for free/cheap. His home base is in Cincinnati, but he tries to travel the world as much as possible with his wife and six kids

  Read more Read less