Blue Cash Everyday Review: 3% Cash Back at Supermarkets and Gas Stations

Updated: July 15, 2024

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The Blue Cash Everyday® Card from American Express is a great fit for consumers who spend significantly at U.S. supermarkets, U.S. gas stations and U.S. online retail. The card lets you earn 3% cash back in these common, high-spend categories for up to $6,000 per year for each category. With no annual fee, it’s an excellent option for earning cash back from everyday spending. However, if you want higher cash back and spend at least $132 per month at supermarkets, you may want to consider the card’s upgraded version, the Blue Cash Preferred® from American Express.

Blue Cash Everyday® Card From American Express
Credit Card logo for Blue Cash Everyday® Card From American Express
MoneyGeek Rating
3.9/ of 5

Rewards SummaryEarn 1%–3% cash back
APR Regular19.24%–29.99% variable
Annual Fee$0
Recommended Credit670–850 (Good to Excellent)

Blue Cash Everyday Card Overview

The Blue Cash Everyday (also called Amex BCE) is a no-annual-fee card that offers a straightforward way to earn cash back on everyday purchases.

With 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases, this card is well-suited for suburban families. However, the 3% cash back rate is capped at $6,000 per year for each bonus category, but that's expected among cards in this category. All other purchases, including those beyond the spending cap, earn 1%.

The Amex BCE is a solid choice if you want to earn cash back on everyday categories but don't want to pay an annual fee. However, if you're looking for higher cash back, you might consider options that have an annual fee. Notably, the Blue Cash Preferred offers 6% cash back at U.S. supermarkets (up to $6,000 per year) but has a $95 fee after the first year.

>>MORE: MoneyGeek's Best Cash Back Credit Cards

Blue Cash Everyday Card Details

Feature
Details

Card Uses

  • Cash Back
  • Balance Transfer

Annual Fee

$0

Introductory Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.

Introductory APRs

0% for 15 months on purchases and balance transfers

Rewards

  • 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 up to $6,000 per year, then 1%.
  • Earn 3% cash back at U.S. gas stations up to $6,000 per year, then 1%.
  • Earn 1% cash back on other purchases.

Rewards Program Overview

The Blue Cash Everyday’s cash back program is simple and focused on providing rewards for your everyday expenses. You earn 3% cash back at U.S. supermarkets, U.S. online retail and U.S. gas stations on up to $6,000 per year for each category. All other purchases, including those after the spending cap, earn 1% cash back. The bonus categories remain the same and don’t need to be activated, which is a nice bonus.

Whether or not you'll earn the bonus rate depends on the merchant's MCC (Merchant Category Code). Here are some important details:

  • U.S. Supermarkets: Conventional supermarkets like ALDI, Trader Joe’s and Whole Foods qualify for the 3% rate. However, wholesale clubs such as Costco and Walmart are excluded. You’ll earn a base rate of 1% at these stores.
  • U.S. Gas Stations: Only traditional gas stations like Shell, Exxon and Murphy USA qualify. Gas purchased from wholesale clubs is excluded from the bonus rate.
  • U.S. Online Retail: To earn 3% cash back, your purchase must be made on a website or app from a U.S. retail merchant that sells physical goods directly to consumers. Major online retailers like Amazon.com, Walmart.com and Chewy.com qualify.

The cash back you earn does not expire and can be conveniently redeemed as a statement credit or at Amazon.com checkout, with no minimum redemption amount required.

Why You Might Want This Card

The Blue Cash Everyday offers several benefits that make it a strong choice for everyday spending:

High Cash Back Rates: Earn 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases, up to $6,000 per year in each category (then 1%). You don't have to switch or sign up for categories every quarter. Moreover, because the cap is applied annually instead of monthly or quarterly, you’ll have more flexibility on how you spend the cap throughout the year.

If you spend the full amount on its bonus categories, you can earn up to $180 per category, adding up to $540 in total savings per year. This makes it a great card for those who spend significantly in these categories.

No Annual Fee: With a $0 annual fee, you can enjoy the card's benefits without worrying about an additional yearly cost.

Introductory APR Period: Enjoy no interest on purchases and balance transfers for the first 15 months, easing the burden of big-ticket items or existing debt. Keep in mind that you won’t be able to transfer your existing balance from other American Express cards to this card.

Why You Might Want a Different Card

The Blue Cash Everyday offers strong rewards, but if you're looking for the highest rewards or the longest no-interest period, there are better options out there.

Low Base Cash Back Rate: The 3% cash back applies only to the first $6,000 spent per year in each bonus category. After that, you earn just 1%. This is lower compared to the 1.5% cash back rate you find from flat-rate cash back cards. If your spending covers diverse categories, consider flat-rate cash back cards like the Citi Double Cash Card, which lets you earn 2% cash back on all purchases.

Bonus Categories Have Exclusions: If you frequently shop at big-box stores like Costco, Target and Walmart, you won’t be able to take advantage of the card’s 3% cash back rate. If this is the case, consider store cards like the Costco Anywhere Visa® Business Card by Citi or the Capital One Walmart Rewards® Mastercard®.

How Blue Cash Everyday Compares

We compare the Blue Cash Everyday with similar cash back cards to help you decide if it meets your needs.

Blue Cash Everyday vs. Blue Cash Preferred® Card From American Express

The Blue Cash Preferred® Card From American Express offers 6% cash back at U.S. supermarkets (up to $6,000 per year) and on streaming platforms and unlimited 3% on U.S. transit and U.S. gas stations. It has a higher cash back potential but charges a $95 annual fee after year one. However, if you spend heavily on its bonus categories, the cash back you earn can offset this fee. Maximizing the $6,000 cap at U.S. supermarkets alone gives you a $360 cash back. Study your spending habits to decide if you’ll get more value with the Blue Cash Preferred. Cash back is provided as Reward Dollars, which can be redeemed as a statement credit or used at Amazon.com checkout.

Credit Card logo for Blue Cash Preferred® Card From American Express
MoneyGeek Rating
4.3/ of 5
Rates & Fees

Blue Cash Everyday vs. Citi Double Cash®

The Citi Double Cash Card provides a flat 2% cash back on all purchases. This is lower than the bonus rate of Blue Cash Everyday, but you get unlimited cash back for all categories with Citi Double Cash. The Citi Double Cash card is an excellent alternative if you want a no-fuss card that provides consistent rewards.

Credit Card logo for Citi Double Cash® Card
MoneyGeek Rating
4.4/ of 5
Rates & Fees

Cards to Pair With Blue Cash Everyday

You can maximize your savings by pairing the Blue Cash Everyday with a credit card offering complementary cash back features. We reviewed cards that pair perfectly with the Blue Cash Everyday so you can boost your rewards earnings.

Pairing With the Capital One SavorOne Cash Rewards Credit Card

If you want to get more cash back from your purchases, it can be a smart strategy to pair the Blue Cash Everyday with other cash back cards. The Capital One SavorOne Cash Rewards card is a good fit, covering several categories that are outside of the Blue Cash Everyday’s bonus categories. It offers unlimited 3% cash back on dining, entertainment, popular streaming services and grocery stores. This pairing allows you to earn 3% cash back across a broader range of everyday spending categories.

Credit Card logo for Capital One SavorOne Cash Rewards Credit Card
MoneyGeek Rating
4.7/ of 5
Rates & Fees

Is Blue Cash Everyday Right for You?

The Blue Cash Everyday is a great choice for those who spend significantly on groceries, gas and online shopping. Its combination of 3% cash back categories is hard to beat, especially among no-annual-fee cards. You can also pair it with other cash back cards to increase categories where you’ll earn high cash back rates. However, it’s not the best card for people with diverse spending habits. Additionally, if you’re a high spender, cards with annual fees like the Blue Cash Preferred can earn you more cash back.

Credit Card logo for Blue Cash Everyday® Card From American Express
MoneyGeek Rating
3.9/ of 5
Rates & Fees
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BEST CASH BACK CARDS OF 2024

Still unsure about the Blue Cash Everyday? We rank the best cash back credit cards to help you find the best card for your spending habits and lifestyle.

How We Evaluated the Blue Cash Everyday Card

We evaluated the Blue Cash Everyday® Card from American Express by comparing it to 60 similar cash back cards. The card's Cash Back Score of 3.79 reflects its performance in the following weighted categories:

  • Effective Reward Rate (50%): Measures the card's rewards rate.
  • Annual Fee (10%): Rates annual fees, where a perfect score represents no annual fee.
  • Offer ROI (10%): Measures the return on investment of the card's offers.
  • Intro Purchase (5%): Rates the presence of a 0% APR offer on purchases.
  • Recommended Credit (5%): Examines the recommended credit score for applying, where a perfect score represents availability to almost all credit scores.
  • Issuer Satisfaction (5%): Evaluates the card's performance in J.D. Power's issuer satisfaction study.
  • Penalties (5%): Reviews penalty rates and fees, where a perfect score translates to no penalty rates or fees.
  • Regular APR (5%): Measures the regular APR of the card.
  • Foreign Transaction (5%): Measures applicable foreign transaction fees.

By systematically rating cards using the above criteria, MoneyGeek can directly compare card offers and help you find the best option for your wallet.

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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