Amex Blue Cash Everyday Card vs. Amex EveryDay Card [Detailed Comparison]

Two popular card offerings from American Express, the Blue Cash Everyday^® Card from American Express and The Amex EveryDay^® Credit Card, are designed to help reward you for your everyday purchases without charging an annual fee.

In this guide, we will provide a detailed comparison of the offerings of each card to help you decide which one makes more sense for you. To do this, we will cover each card’s earn rates, redemption options, fees, benefits, protections, and more.

Update:The Amex EveryDay^® Credit Card is no longer open to new applicants.

Summary

Before we dive into each section, here is a quick overview of each card.

Bottom Line: While the cards are similar in many ways, they have some distinct differences. Namely, the Amex Blue Cash Everyday card offers more bonus categories, while the Amex EveryDay card offers flexible redemption options. 

Welcome Offer Comparison

A welcome bonus is a great way to jumpstart your rewards balance. Here is what each card offers.

Amex Blue Cash Everyday Card

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

UP's Offer Valuation*:

$200

Annual Fee

$0

APR

19.99%-28.99% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• 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.

Financial Snapshot

• APR: 19.99%-28.99% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

As a cash-back credit card, the Amex Blue Cash Everyday card offers a cash-back welcome bonus that usually ranges between $200 to $250 — a relatively solid return for the minimum spend requirement.

Amex EveryDay Card

Terms Apply / Rates & Fees

The Amex EveryDay^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

*The information regarding the Amex Everyday^® Credit Card has expired, and the card is no longer open to applicants.

All information about The Amex EveryDay^® Credit Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex EveryDay^® Credit Card

*The information regarding the Amex Everyday^® Credit Card has expired, and the card is no longer open to applicants.

Welcome Offer

No welcome offer available.

No welcome offer available.

Annual Fee

$0

APR

0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The information for The Amex EveryDay^® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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The Amex EveryDay^® Credit Card is a great option for those looking to start earning Amex Membership Rewards points without needing to pay an annual fee. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period.

Pros & Cons

Pros

• 2x points per $1 at U.S. supermarkets on up to $6,000 per year in purchases, then 1x
• 2x points per $1 on travel purchases made through Amex Travel
• 1x point per $1 on all other purchases

Cons

• Only offers 2 bonus categories
• Doesn’t offer many benefits

Read Full Review

Card Highlights

• No welcome offer available.
• Earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
• 1X points on other purchases.
• Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.
• Use Amex Offers at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
• No Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex EveryDay card earns American Express Membership Rewards points, which we value at 2.2 cents per point because of their flexibility and transferability. Usually, the welcome bonus for the Amex EveryDay card ranges between 10,000 to 25,000 points — which we value between $220 to $550.

Earning Potential Comparison

One of the top considerations of any rewards card is how much it will reward you for the various purchases you make with the card.

As you can see, the Amex Blue Cash Everyday card has more going for it when it comes to bonus categories, as it earns 3% cash-back at supermarkets, at gas stations, and on online retail purchases; and the $6,000 threshold is separate for each category — not combined.

While most spend their fair share on gas and groceries, the online retail purchases category is especially interesting as it includes retailers like Amazon, Walmart, computer and electronic stores, department stores, drugstores, furniture stores, and more.

On the other hand, the Amex EveryDay card offers just 1 bonus category, and that is U.S. supermarkets. That said, the card offers a unique feature that allows you to earn 20% bonus points on your purchases when you make 20 purchases or more in the billing period. Meeting the purchase requirement allows you to earn 2.4x points on your U.S. supermarket purchases and 1.2x points on all other purchases. This is a solid rate of return, but needing to make sure you’re making 20 purchases each month could prove to be cumbersome depending on your spending habits.

Redemption Options

Amex Blue Cash Everyday Card

Redeeming rewards with your Amex Blue Cash Everyday card is easy, as you have just 1 option — cash-back. All of your cash-back rewards can be used to offset purchases you make with the card, and fortunately, there are no redemption minimums, so you can redeem as often as you’d like.

Amex EveryDay Card

Where the Amex EveryDay card shines is that it earning Amex Membership Rewards points gives you multiple redemption options, including ways to get outsized value out of your points that cards that earn cash-back simply cannot do.

Of course, it offers standard redemption options like cash-back, as well, but cardholders can also redeem their points through the AmexTravel.com portal, for gift cards, or even as a payment method with select retailers like Amazon and Apple.

However, our absolute favorite way to redeem Amex Membership Rewards points is via the Amex transfer partners, allowing you to book business and first class flights, along with luxury hotel stays, for a fraction of what these experiences would usually cost.

Statement Credits Comparison

Amex Blue Cash Everyday Card — Disney Streaming and Home Chef

It is relatively uncommon for a no-annual-fee card to offer statement credits, as these are usually added to cards to help consumers justify cards that charge an annual fee. This is why we were surprised to see that the Amex Blue Cash Everyday card now offers not 1, but 2 separate monthly statement credits to cardholders.

The first credit is one that most are likely to get plenty of use out of, and that is an up to a $7 monthly statement credit after using your enrolled 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).

Next is a $15 monthly credit towards Home Chef subscriptions, the popular meal delivery service that ships pre-portioned ingredients and recipes right to your door. If this is a service you are using already or have been meaning to try out, then this statement credit can save you up to $180 each year on these orders.

Travel Protection Comparison

Both cards are pretty poor when it comes to travel protections, and that is because neither is really designed to be a travel rewards credit card. This is evident by the fact that both charge a foreign transaction fee, meaning you won’t want to use either card for purchases during international travels.

Shopping Protection and Benefits Comparison

Fortunately, both cards offer more value when it comes to shopping benefits and protections.

Both the Amex Blue Cash Everyday card and the Amex EveryDay card offer these benefits:

• Amex Offers — Discounts and opportunities to earn more points with 100 merchants each month
• American Express Experiences — Exclusive access to ticket pre-sales
• Purchase Protection — Covers items purchased with your card for up to 90 days from the date of purchase, with up to $1,000 in coverage per claim, and up to $50,000 in coverage per year

Since both cards offer the same shopping benefits and protections, you can narrow down which card is better for you based on the other factors of each card.

Annual Fees and Adding Authorized Users

Annual Fees

Neither the Amex Blue Cash Everyday card nor the Amex Everyday card charge an annual fee to cardholders.

Authorized Users

Similarly, there is no additional fee to add authorized users to either card, and authorized users will earn points/cash-back at the same rate, and receive all of the same benefits, as the primary cardholder. The only benefit that authorized users do not receive is another set of statement credits on the Amex Blue Cash Everyday card.

Final Thoughts

Both the Amex Blue Cash Everyday card and the Amex EveryDay card each have their own merits and can offer plenty of value for no annual fee cards.

If you prefer a cash-back credit card, specifically one that rewards you for groceries, gas, and online purchases, then the Amex Blue Cash Everyday card might be the one for you … even more so if you also are already paying for Disney Streaming and Home Chef subscriptions on another card.

On the other hand, if you’d prefer a card that allows you to earn up to 2.4x points on groceries and 1.2x points on all other purchases, with flexible redemptions and access to Amex transfer partners, the Amex EveryDay card could be the one for you.

For the car rental collision damage coverage benefit of the Blue Cash Everyday^® from American Express, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the purchase protection benefit of the Blue Cash Everyday^® from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental collision damage coverage benefit of the Amex EveryDay Card, car rental loss and damage insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the purchase protection benefit of the Amex EveryDay Card, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.