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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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The rating for this card has been determined by our own industry experts who know the in's and out's 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.
19.24%-29.99% Variable,0% on purchases for 15 months
Good to Excellent (670-850)
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!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 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.
Card Snapshot
Welcome Bonus & Info
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
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.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
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.
You spend a lot of money at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases
You want a card with no annual fee
Don’t Get If
You want a card that earns travel rewards
Your spending habits don’t fall within the card’s bonus categories
Blue Cash Everyday Card — Is It Worth It?
Put simply, the Blue Cash Everyday card is a top-notch card option for anyone who is looking to start earning cash-back on purchases.
Not only does the card offer 3 great bonus categories for you to earn additional cash-back on, but it also offers purchase protection to help keep all of those items covered in case anything goes wrong.
Blue Cash Everyday Card Top Benefits
Annual Statement Credits
The Blue Cash Everyday card is living up to its name by offering statement credits for everyday household purchases:
Up to $7 back monthly after using your Blue Cash Everyday card to spend $9.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Earn up to $15 back monthly – an annual savings of up to $180 – when you order online at Home Chef. Enrollment required.
Car Rental Coverage
The Blue Cash Everyday card provides secondary car rental insurance, so you’ll be covered for any damage or theft to most rental cars (excluding luxury vehicles). However, it is secondary rental coverage, meaning coverage only kicks in for anything that your primary insurance provider won’t cover.
Purchase Protection
When you purchase an item with your card and the item is accidentally damaged, stolen, or lost, you can have the item replaced or reimbursed for up to 90 days from the purchase date. This benefit offers coverage up to $1,000 per item and $50,000 per calendar year.
Best Ways To Earn and Redeem Cash-Back Rewards
When it comes to earning as much cash-back as possible, use your card on purchases in the card’s 3 major bonus categories: U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases
Of course, you’ll still earn 1% cash-back for all purchases outside of these categories as well (and once you’ve hit the cap on each category) — which can really add up from month to month!
Once you’re ready to redeem, you can get a statement credit to offset your previous purchases — your only redemption option.
While there is no limit to the amount of cash-back rewards you can earn each year, you must earn at least $25 in cash-back rewards before you’re able to redeem them.
Alternative Cards to the Amex Blue Cash Everyday Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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 card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
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 cardapplication.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Pros
6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
1% cash-back on all other purchases
Cons
$0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
If you’d like a card that is an overall improvement upon the Amex Blue Cash Everyday card and don’t mind paying an annual fee, then you’ll love the Amex Blue Cash Preferred card. This card takes your cash-back earnings to the max with 6% back at U.S. supermarkets (up to $6,000) and on select U.S. streaming services, plus 3% back at U.S. gas stations and on transit purchases such as rideshares and public transportation.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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 cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Travel
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Travel
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
If you prefer a no-annual-fee card with varied bonus categories and flexible rewards, the Freedom Unlimited card may be more your speed. With it, you’ll earn 5% back on travel purchased through the Chase Travel portal, 3% on dining and at drugstores, and 1.5% back on all other purchases. Plus, your rewards aren’t limited to cash-back redemptions — you can also use them towards travel, gift cards, experiences, and multiple other options.
For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
Frequently Asked Questions
What credit score do you need for the Amex Blue Cash Everyday card?
There is no set credit score minimum for card approval, but if your credit score is at least 700, you should feel good about your chances of being approved for the card.
What is the credit limit of the Amex Blue Cash Everyday card?
There isn’t a specified maximum credit limit for the Amex Blue Cash Everyday card. Your credit limit will be determined by your credit score, stated income, and the amount of credit that American Express has already extended to you. But if you’re approved for the card, your credit limit should be $1,000 at the very least.
Is the Amex Blue Cash Everyday card a good credit card?
Yes, it’s an excellent credit card. If you’re looking for a no annual fee cash-back card that offers bonus rewards on purchases at U.S. supermarkets, U.S. gas stations, and on U.S. retail purchases, then this card might be the perfect option for you.
Does the Amex Blue Cash Everyday card have foreign transaction fees?
Yes, the card charges a 2.7% foreign transaction fee, so you’ll want to use another card for international purchases.
Can I upgrade the Amex Blue Cash Everyday card to the Amex Blue Cash Preferred card?
Yes, as long as you have had the Amex Blue Cash Everyday card open for at least 12 months, and the card is in good standing, you are eligible to upgrade it to the Amex Blue Cash Preferred card.
Which is better between the Amex Blue Cash Everyday card vs. the Amex Blue Cash Preferred card?
The Amex Blue Cash Preferred card offers cardholders 6% back at U.S. supermarkets (up to $6,000 per year) and select streaming services, plus 3% back at U.S. gas stations and transit purchases. The Amex Blue Cash Everyday card earns 3% back at U.S. supermarkets, 3% back at U.S. gas stations, and 3% back on U.S. retail purchases (each capped at up to $6,000 per year).
The catch is that the Amex Blue Cash Preferred card charges a $95 annual fee (rates and fees) and the Amex Blue Cash Everyday card does not. So the card that is right for you depends on whether you spend enough with each card’s bonus categories to justify paying an annual fee.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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