MoneyGeek’s Take

American Express Blue Cash Everyday Card Review

With no annual fees and an attractive welcome offer, the American Express Blue Cash Everyday Card can benefit smart spenders looking to earn cash back on everyday expenses like groceries or gas.

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The American Express Blue Cash Everyday Card is a simple card best used for everyday expenses. It offers a 3% cash back rate at U.S. grocery stores with a limit of up to $6,000 per year, then 1% back after. The Everyday Card also offers 2% cash back at U.S. gas stations and select department stores.

On all other purchases, shoppers can enjoy a 1% cash back rate. The card features a 0% introductory APR for the first 15 months and a $100 welcome bonus after spending $2,000 within the first six months of opening an account.

Card Details to Know Up Front
  • Bonus, Fee or Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

American Express Blue Cash Everyday Card at a Glance

The American Express Blue Cash Everyday Card, great for grocery shoppers and frequent drivers, offers competitive cash back rates for essential expenses.


  • American Express Blue Cash Everyday Card

    A simple cash back card that’s best for everyday purchases


    • Good–ExcellentCredit Needed
    • $0Annual Fee
    • 1–3% Cash Back*Rewards Rate
    • 2xRewards Rate on Gas
    • 1xRewards Rate on Groceries

Pros & Cons Explained

The American Express Blue Cash Everyday Card offers rewards in practical spending categories but also comes with a few downsides to consider.

Pros

  • Benefits
    Description
  • Cash Back From Practical Categories
    Earn 3% cash back at U.S. grocery stores for up to $6,000 annually, then 1% cash back after. Cardholders also receive 2% cash back at U.S. gas stations and select U.S. department stores. If you spent $4,000 annually at grocery stores and $600 at the gas station in a year, you would earn $132 cash back.
  • Long 0% Intro APR
    The American Express Blue Cash Everyday Card offers an attractive 0% introductory APR for the first 15 months from account opening, which is longer than the usual 12 months for most cash back cards.
  • No Annual Fees
    Unlike other cash back cards, you don’t need to pay any annual fees for the life of the card, which allows you to save more every year.

Cons

  • Drawbacks
    Description
  • Capped Earnings
    You will see limited rewards on grocery spend above $6,000.
  • Limited Supermarket Choices
    American Express does not consider warehouse stores like Target and Walmart as supermarkets.
  • Foreign Transaction Fees
    The 2.7% foreign transaction fee makes this card not ideal for international travel.
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LOOKING FOR THE BEST CREDIT CARDS OF 2021?

The American Express Blue Cash Everyday Card does not top our rankings of cash back cards. Take a look at our list of the best cash back cards to find one that may better suit your needs.

Bonuses & Rewards Explained

Any smart shopper can benefit from the American Express Blue Cash Everyday Card's practical cash back rewards. Paired with an attractive welcome offer, this card may be ideal for individuals who spend a moderate amount at U.S. grocery stores and gas stations.

1

Cash Back Reward Rate

This card features a 3% cash back rate at U.S. grocery stores, which applies to the first $6,000 annually. After reaching $6,000, it lowers to 1%. You can also earn 2% back from U.S. gas stations and select U.S. department stores, along with 1% on other purchases. To redeem your rewards, you must have at least $25 in reward dollars.

2

Welcome Bonus

Cardholders can receive $100 in statement credit after spending $2,000 on the American Express Blue Cash Everyday Card within the first six months from account opening.

3

Introductory 0% APR

For the first 15 months from account opening, you can benefit from an introductory 0% APR. A 0% APR allows you to finance expensive purchases over time without racking up interest.

4

Complimentary ShopRunner Membership

Eligible cardholders receive a complimentary two-day free shipping benefit valued at $79 per year, which includes quick shipping and free returns from more than 140 online retailers, such as Bloomingdale’s, Saks Fifth Avenue and more.

Other Features Explained

Taking advantage of the card’s benefits is easy, but the American Express Blue Cash Everyday Card offers more than practical rewards. Cardholders can benefit from its features and programs in the long term.

  • Card Feature
    Description
  • Split Big Expenses
    Through the Plan It® program, you can take expenses of over $100 and split them into monthly payments with a fixed, up-front fee.
  • Quickly Lower Your Balance
    Through the Pay It® program, you can make contributions under $100 throughout the month to lower your balance and quickly pay for small purchases like groceries or gas.
  • Purchase Protection
    If you purchase an item and it gets lost or damaged within the first 120 days, cardholders may receive up to $1,000 of reimbursement per purchase at a limit of $50,000 per year.
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MONEYGEEK EXPERT TIP

"Use this card for your Amazon purchases as it currently offers 20% cash back in the first 6 months of card membership. This offer is good for up to $150 cash back." - Alene Laney, Credit Card Journalist

Understanding the Fine Print

Before signing up for the American Express Blue Cash Everyday Card, it’s important to read and understand all the fees involved. Ensure you’re aware of all the provisions, including the regular APR and penalty fees for late payments, to arrive at the right choice.

  • Card Feature
    Amount or Rate
  • APR
    13.99%–23.99%
  • Annual Fee
    $0
  • Cash Back Rewards
  • Rewards Rate
    1–3% Cash Back*
  • Airline Benefits
  • This is an icon

    Cash Back Reward Rate

    Cardholders can receive a 3% cash back rate at U.S. grocery stores on the first $6,000 they spend annually, followed by 1% back. A 2% rate applies at U.S. gas stations and select department stores, with a 1% cash back rate on all other purchases.

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    Introductory and Regular APR

    For the first 15 months after opening an account, you can enjoy an introductory 0% APR. After this period ends, a variable APR of 13.99% to 23.99% applies. The APR will depend on your creditworthiness and other factors at the time of account opening.

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    APR and Fees for Cash Advances

    For cash advances, the American Express Blue Cash Everyday Card has a 25.24%APR, along with a fee of $10 or 5% — whichever is greater. For example, it will cost $21.91 to borrow $500 if you pay it back within 20 days.

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    Penalty APR

    If you make one or more late payments or a payment is returned, American Express will apply a 29.99% penalty APR to your account. This rate will last for at least six months and apply until you have consistently made timely minimum payments that are not returned for another six months.

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    Foreign Transaction Fees

    Any item purchased abroad will be charged a 2.7% fee. If you buy an item worth $1,000 somewhere that isn’t on American soil, you will pay an additional $27.

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WHERE TO FIND THIS INFORMATION?

To compare the American Express Blue Cash Everyday Card with other cards, look at the cash back rate and the categories it applies to. You can find this information on your monthly billing statement, the card issuer’s mobile app, or the credit card agreement database maintained by the Consumer Financial Protection Bureau.

Who Should & Shouldn’t Consider American Express Blue Cash Everyday Card?

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Other Considerations for American Express Blue Cash Everyday Card

Moderate spenders who want to save on daily expenses may want to opt for the American Express Blue Cash Everyday Card. An evaluation of your financial situation should dictate what works best for your unique needs.

Things to Consider if This is Will Be Your First or Only Credit Card

Having the American Express Blue Cash Everyday Card as the only card in your wallet limits your cash back opportunities — you’ll only get them at U.S. grocery stores, U.S. gas stations and select U.S. department stores. The cap to the 3% back at U.S. grocery stores is also disadvantageous for big spenders.

American Express requires an excellent credit score to qualify for the card, which may be difficult for some. However, if you're a moderate spender who plans to use this card as a means to save money, it may offer an ideal opportunity.

Things to Consider if This is Will Be an Additional Card in Your Wallet

The American Express Blue Cash Everyday Card can be a great addition to your wallet for cash back on groceries and gas bills. Pairing the card with a flat-rate cash back rewards card, like the Capital One Quicksilver Rewards Card's flat 1.5% back rate on eligible purchases, can help you save more on other expenses and avoid having to keep track of bonus categories.

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WHY TRUST OUR REVIEWS

MoneyGeek’s credit card review process involves six meticulous steps that consider factors like interest rates, fees and bonus rewards. We look beyond the credit card’s information and compare it to standardized data points used against other cards. Then, MoneyGeek considers bonus offers to establish the overall value of the card. Finally, we conduct a re-rank each month to factor in changes in the card’s details and welcome offers.

How American Express Blue Cash Everyday Card Compares to Other Cards

Depending on your needs, the American Express Blue Cash Everyday Card may not be your most ideal choice. The Everyday Card’s moderate offers compare unfavorably to other cards with cash back offers for groceries and other categories. Compare the American Express Blue Cash Everyday Card against other similar credit cards, like the Capital One Quicksilver Rewards card, for a clearer picture of its benefits.

Quick Comparison of American Express Blue Cash Everyday Card

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American Express Blue Cash Everyday Card

  • Regular APR: 13.99-23.99%
  • Cash Back Reward Rate: 3% at U.S. grocery stores on up to $6,000, then 1%; 2% at U.S. gas stations and select U.S. department stores; 1% on all other purchases
  • Annual Fee: None
  • Foreign Transaction Fee: 2.7%
  • Mini Verdict: Best for deal-seekers and smart savers who spend moderately
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Capital One Quicksilver Rewards

  • Regular APR: 15.49-25.49%
  • Cash Back Reward Rate: Unlimited 1.5% back on all eligible purchases
  • Annual Fee: None
  • Foreign Transaction Fee: None
  • Mini Verdict: Best for smart savers who want to save in every category

Other Helpful Decision-Making Q&As

Determining if you need the American Express Blue Cash Everyday Card requires a careful evaluation of your financial situation. Make sure to understand all the fees and requirements involved with the card before applying. Prospective cardholders can consider the following frequently asked questions to help with their decision.

Still not sure about this card? Consider these options.

The American Express Blue Cash Everyday Card offers a long 0% APR introductory period and cash back opportunities on gas and grocery purchases. If you aren’t convinced by the practical uses of the American Express Blue Cash Everyday Card, take a look at other cards and their rewards. You may find that a travel card or general rewards card may suit your financial situation and offer more savings.

Learn more about credit cards in general

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