MoneyGeek’s Take

Blue Cash Everyday® Card from American Express Review

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

Advertising & Editorial DisclosureLast Updated: 1/15/2023
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Blue Cash Everyday® Card from American Express

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

The Blue Cash Everyday® Card from American Express is a simple card best used for everyday expenses. It offers a 3% cash back rate at U.S. supermarkets 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, then a variable APR of 18.24% – 29.24% after and earn up to $250 back by spending $2,000 on purchases in your first six months to receive $100 as a statement credit and up to $150 back by using your card to make purchases through PayPal in those same six months to receive 20% back as statement credits.

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.

Blue Cash Everyday® Card from American Express at a Glance

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


  • Blue Cash Everyday® Card from American Express

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


    • Good–ExcellentRecommended Credit
    • $0Annual Fee
    • 1–3% Cash Back*Rewards Rate
    • 1xRewards Rate on Gas
    • 1xRewards Rate on Groceries

Pros & Cons Explained

The Blue Cash Everyday® Card from American Express 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. supermarkets 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 supermarkets and $600 at the gas station in a year, you would earn $132 cash back.
  • Long 0% Intro APR
    The Blue Cash Everyday® Card from American Express 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, then a variable APR of 18.24% – 29.24% after.
  • 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 2022?

The Blue Cash Everyday® Card from American Express 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 Blue Cash Everyday® Card from American Express'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. supermarkets and U.S gas stations.

1

Cash Back Reward Rate

This card features a 3% cash back rate at U.S. supermarkets, 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

On the Blue Cash Everyday® Card from American Express within the first six months of account opening, cardholders can earn up to $250 back — $100 as a statement credit when they spend $2,000 in purchases and up to $150 back when they use their card to check out via PayPal with merchants (20% back in statement credits).

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, then a variable APR of 18.24% – 29.24% after.

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 Blue Cash Everyday® Card from American Express 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 Paypal 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
    18.24% – 29.24% Variable
  • Annual Fee
    $0
  • Cash Back Rewards
  • Rewards Rate
    1–3% Cash Back*
  • Airline Benefits
  • cashBack icon

    Cash Back Reward Rate

    Cardholders can receive a 3% cash back rate at U.S. supermarkets on the first $6,000 they spend annually, followed by 1% back. A 3% rate applies at U.S. gas stations and select department stores on up to $6,000 per year in purchases (then 1%), with a 1% cash back rate on all other purchases.

  • fairCredit icon

    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 18.24% to 29.24% applies. The APR will depend on your creditworthiness and other factors at the time of account opening.

  • cashCard icon

    APR and Fees for Cash Advances

    For cash advances, the Blue Cash Everyday® Card from American Express has a 29.49% 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.

  • denySign icon

    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.

  • noForeignTransactionFee icon

    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 Blue Cash Everyday® Card from American Express 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 Blue Cash Everyday® Card from American Express?

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Other Considerations for Blue Cash Everyday® Card from American Express

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

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

Having the Blue Cash Everyday® Card from American Express as the only card in your wallet limits your cash back opportunities — you’ll only get them at U.S. supermarkets, U.S. gas stations and select U.S. department stores. The cap to the 3% back at U.S. supermarkets 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 Will Be an Additional Card in Your Wallet

The Blue Cash Everyday® Card from American Express 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 Cash Rewards Credit 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 Blue Cash Everyday® Card from American Express Compares to Other Cards

Depending on your needs, the Blue Cash Everyday® Card from American Express 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 Blue Cash Everyday® Card from American Express against other similar credit cards, like the Capital One Quicksilver Cash Rewards Credit Card, for a clearer picture of its benefits.

In-Depth Credit Card Comparisons:
Quick Comparison of Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express

  • **Variable APR:**18.24%-29.24%
  • Cash Back Reward Rate: 3% at U.S. supermarkets 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 Cash Rewards Credit Card

  • Variable APR: 19.24% – 29.24%
  • 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 Blue Cash Everyday® Card from American Express 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 Blue Cash Everyday® Card from American Express 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 Blue Cash Everyday® Card from American Express, 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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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more aboutour editorial policies andexpert editorial team.
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