American Express Blue Cash Everyday Rewards Review
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Written by
Jasmin Baron
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 the Blue Cash Everyday® Card from American Express (a CardCritics™ advertiser) is a fantastic option.
Purchase and Balance Transfer APR
0% intro APR on purchases and on balance transfers for 15 months from the date of account opening, then 19.99%-28.99% Variable APR
Welcome Offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Cash Back
1% – 3% Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
Earn 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
Earn 3% cash back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Recommended Credit Score
Good – Excellent
Annual Fee
$0
CardCritics™ Opinion
If you are looking for a cash back card without an annual fee that rewards you for your spending at U.S. gas stations, grocery stores and on online retail purchases then the Blue Cash Everyday® Card from American Express is a fantastic option to consider. There’s a generous welcome offer and an 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.
Our Critical Analysis:
Blue Cash Everyday® Card from American Express
- No annual fee
- Elevated rewards on popular categories
- You are given more time to reach the spend requirement for the welcome offer than other similar cards
- Generous intro APR period on purchases & balance transfers
PROS
- The elevated rewards rate in the supermarket, gas and online retail categories is capped each year (after it’s hit you earn 1% back)
- The spend requirement for the welcome offer is higher than many competitor cards
- Foreign transaction fee makes it a poor choice for spending outside of the U.S. (see Rates & Fees)
CONS
Earn Impressive Cash Back
The rewards breakdown for the Blue Cash Everyday Card is:
After the category caps are hit you will earn 1% back. You will also earn 1% back on all of your other eligible purchases.
All of the cash you earn is received in the form of Rewards Dollars that can be redeemed as statement credits.
If you spend a lot on groceries at U.S. supermarkets, you should also consider the Blue Cash Preferred® Card from American Express. This card has an annual fee, but offers even more cash back at U.S. supermarkets and does not cap your 3% cash back at U.S. gas stations.
$200 Welcome Offer
To kick your cash back earnings into high gear, you can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.
This spend requirement is quite a bit higher than some of its competitor cash back cards, but you have a long time to hit that amount.
Generous Introductory APR
Those approved for the card can also benefit from a 0% intro APR on purchases and on balance transfers for 15 months from the date of account opening, then 19.99%-28.99% Variable APR. This is an especially generous intro period for a card that also provides ongoing rewards and a welcome offer.
Additional Benefits
American Express offers their card holders a long list of additional benefits. These perks range from American Express Experiences to statement credits on select streaming services.
Benefits are updated and added regularly so the best way to see what the card is currently offering is to select the Apply Now button to view all of the details and current offers.
Is It the Right Card For You?
The Blue Cash Everyday Card may be the right fit for you if any of the following apply:
- You spend regularly at U.S. based supermarkets, gas stations and online retailers and don’t mind that your elevated rewards rate has an annual cap.
- The Blue Cash Preferred® Card from American Express caught your eye, but you are not willing to pay an annual fee.
- You are interested in a card that offers a welcome offer and you won’t have any problem reaching the spend requirement to earn it.
- You are looking for a card with a generous intro APR on purchases and/or balance transfers, but you are willing to give up a few months of an introductory rate in exchange for ongoing cash back (most cards with longer intro APRs don’t offer rewards).
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.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.99% to 28.99% variable APR.
- Plan It®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
- Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
- Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
- Apply with confidence. Know if you’re approved for a Card with no impact to your credit score. If you’re approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
Frequently Asked Questions
These answers to some frequently asked questions will help you decide if the Blue Cash Everyday® Card from American Express is the right card for you.
Is the welcome offer for the Blue Cash Everyday® Card from American Express hard to earn?
The welcome offer requires that you spend at least $2,000 within the first 6-months of card membership. This spend requirement amount is higher than many other cash back cards, but you are also given more time to reach that spend level.
Does the Blue Cash Everyday® Card from American Express charge an annual fee?
No, the Blue Cash Everyday Card does not charge an annual fee. Its sister card, the Blue Cash Preferred® Card from American Express does charge an annual fee.
What credit score is needed for the Blue Cash Everyday® Card from American Express?
The Blue Cash Everyday Card requires good to excellent credit.
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.
