At CardCritics, it is our goal to provide you with information to help you make educated choices about credit cards. We have not reviewed all available products and offers but are confident that we are providing the information you need to make a sound decision.
The products featured on our site are from our partners which is how we make money. The financial compensation we receive may impact where and how cards appear on our site, but it does not impact our critical analysis. All opinions, analyses, reviews and recommendations expressed on our site are those of the author's alone and have not been reviewed, approved or otherwise endorsed by any card issuer.
American Express Blue Cash Everyday Critical Analysis
Last Updated Jul 14, 2022 by Molly Gaines
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.
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 and balance transfers. 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.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 16.99% to 27.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Get $7 back each month after using your Blue Cash Everyday® Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Our Critical Analysis
No annual fee
Generous intro APR period on purchases & balance transfers
Compelling welcome offer
Your earning potential in the supermarket, gas and online retail categories 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)
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 will earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, 3% cash back on U.S. online retail purchases on up to $6,000 per year and 3% cash back at U.S. gas stations on up to $6,000. After the category caps are hit you will earn 1% back and will also earn 1% back 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 and balance transfers for 15 months, followed by a 16.99%-27.99% 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.
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.