American Express Blue Cash Everyday Critical Analysis


Well Rounded Cash Back

In the world of cash back cards, you get what you pay for. If you’re willing to pay an annual fee then you are rewarded with higher earning potential. But if the thought of paying yearly for a credit card is not something you can stomach then this card from our Partner is a fantastic option.

Blue Cash Everyday® Card from American Express

Purchase APR
0% intro APR on purchases for 15 months, then 14.74%-24.74% Variable
Cash Back
1% – 3%

  • 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 eligible purchases.

Welcome Bonus
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual Fee
$0
Rates and Fees
Terms Apply

Critics’ Overview

If an annual fee is a deal breaker for you then the Blue Cash Everyday® Card from American Express (a CardCritics advertiser) is a fantastic choice for your cash back needs. This card offers a good balance of ongoing rewards, an enticing welcome offer and a generous intro APR period on purchases. Round that out with other perks and the card member benefits that American Express is well known for and you have yourself an excellent cash back card. 

Card Details From American Express

  • 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, 14.74% to 24.74%.
  • 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.

Our Critical Analysis


  • No annual fee
  • Generous intro APR period on purchases
  • Compelling welcome offer

  • Your earning potential in the supermarket category is capped each year
  • Lower cash back rates than other cards with annual fees
  • Foreign transaction fee makes it a poor choice for spending outside of the U.S. (see Rates & Fees)
  • No balance transfer option

If you have good to excellent credit and draw a hard line at paying an annual fee for your credit card then the Blue Cash Everyday® Card from American Express is an excellent choice for you. You can earn a $200 welcome bonus after you spend $2,000 in purchases on your new card within the first 6 months. You will receive your cash back in the form of statement credits.

As for ongoing rewards, you’ll earn 3% back at U.S. supermarkets (capped at $6,000 per calendar year in purchases), 2% at U.S. gas stations and at select U.S. department stores and 1% on all of your other eligible purchases. If you spend a lot on groceries then you should also consider the Blue Cash Preferred® Card from American Express which does have an annual fee but offers even more cash back on your grocery purchases (making the fee worthwhile). 

As a new card holder, you’ll also get a 0% intro APR on purchases for the first 15 months, followed by a 14.74%-24.74% Variable APR. The savings can add up quickly when you aren’t paying interest for over a year. Just make sure you’re at least paying your minimum payment and budgeting to pay off your balance by the time the 15 months is up, if possible. There is currently no option for a balance transfer so if that’s a deal-breaker we suggest checking out another compelling cash back option, the Discover it® Cash Back card.  

Make sure you check out the other great benefits American Express offers their card holders. From ticket presales to their top-notch mobile app, there is a lot to love. Click ‘Apply Now’ to view all of the details about the benefits they offer. 


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.