When it comes to cash-back credit cards, there are dozens of different options on the market to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?
Well, this no annual fee credit card is excellent at earning you cash-back on your everyday purchases on items like gas and groceries. So if you’re someone who is regularly spending money on these items, then this could be the perfect card to add to your wallet.
- Rewards are not flexible and can only be redeemed for cash-back
Blue Cash Everyday Card — Snapshot
- Welcome Bonus & Info (Partner Content)
- Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- No annual fee.
- Terms Apply.
- See Rates & Fees
- Card Categories:
- Rewards CenterYou collect your cash-back rewards directly from the account summary at AmericanExpress.com.
- Customer Service Number800-528-4800
- Login Link
- Related Articles
The Ideal Cardholder
If you’re someone who values cash-back rewards, wants a card with no annual fee, and is frequently spending money at supermarkets, gas stations, and department stores, then the Blue Cash Everyday card might be the perfect option for you. Plus, the card comes with a few benefits that add extra value to cardholders.
Car Rental Coverage
The Blue Cash Everyday card also gives you secondary car rental insurance, so you’ll be covered for any damage or theft to most rental cars (excluding luxury vehicles). However, this is secondary rental coverage, meaning it only kicks in to cover anything that your primary insurance provider won’t cover.
When you purchase an item with your Blue Cash Everyday card, and the item is accidentally damaged, stolen, or lost, you’re covered to have the item replaced or reimbursed for up to 90 days from the purchase date. Coverage amounts to up to $1,000 per item and $50,000 per calendar year.
Great Card If
- You want a card that earns cash-back rewards
- You spend a lot of money at supermarkets, gas stations, or department stores
- 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 cards bonus categories
Blue Cash Everyday Card — Fees
- Annual Fee
- Foreign Transaction Fees2.7% of each transaction after conversion to U.S. dollars
- Interest Rates
- 0% on purchases for 15 months, from the date of account opening
- Ongoing APR: 13.99% to 23.99% variable
- Late fees
- Penalty APR: 29.24% variable
- Fee: Up to $40
- Cash Advance APR
- 25.24% variable
- Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Additional Info
Best Way To Maximize Cash-Back Rewards
U.S. Supermarket Purchases
By far the best way to rack up the rewards with your Blue Cash Everyday card is to use it at supermarkets, where you will earn 3% cash-back on all purchases on up to $6,000 in spending each year. So if your family spends at least $500 a month on groceries, the Blue Cash Everyday card can give you $180 of cash-back each year on those purchases.
List of Supermarkets and Grocery Stores That Qualify for Cash-Back:
- Kings Food Markets
- Smart & Final
- Stop & Shop
- Trader Joe’s
- Whole Foods
While there are several chains included in this list, you should know that this is not a complete list of all eligible supermarket merchants.
If you’re curious which merchants will not qualify, these include any sort of specialty stores (like wine shops or fish markets), superstores (Amazon, Target, Walmart, etc.), and warehouse clubs (BJ’s Club, etc.).
For more information regarding which merchants are eligible and which are not, you can view the rewards info section of the American Express website.
U.S. Gas Station Purchases
The Blue Cash Everyday card also earns 2% back at U.S. gas stations, so if you’re someone who has a long commute every day, then this could amount to big savings for you.
Examples of Gas Stations That Qualify for Cash-back:
- Murphy USA
- Murphy Express
As with the grocery store list, this is not a complete list of every eligible merchant. It is also worth mentioning that you will not earn 2% cash-back if the gas station is part of a supermarket or warehouse club.
According to the Balance, the average consumer spends about $1,100 a year on gas for their car. This means that 2% cash-back rewards would save you an additional $22 per year on these purchases — not bad for a card that charges you no annual fee!
U.S. Department Store Purchases
Rounding out the Blue Cash Everyday card’s bonus categories is 2% back at U.S. department stores. So if you’ve someone who shops frequently with any of the examples below, this gives you a great opportunity to earn even more cash-back.
Examples of Department Stores That Qualify for Cash-back:
- Bon Ton Stores
- Century 21 Department Stores
- J.C. Penney (JCP)
- Lord & Taylor
- Neiman Marcus
- Saks Fifth Avenue
- Stein Mart
Unlike the previous bonus categories, this list is exhaustive, so you will only earn cash-back rewards for purchases made in the U.S. at the above list of department stores.
Lastly, the Blue Cash Everyday card earns 1% cash-back on all purchases that fall outside of the above 3 bonus categories. While 1% back is certainly not as enticing as 3% or 2% back, it still gives you the comfort that you’ll always be earning some sort of cash-back no matter what.
Plus, thanks to the card not charging an annual fee, these cash-back rewards come at no cost to you as long as you pay your statement balance off in full each and every month.
Best Way To Redeem Cash-Back Rewards
With the Blue Cash Everyday card, you’ve got just 1 option when it comes to redeeming your rewards, and that is as a statement credit to offset your previous purchases.
While there is no limit to the amount of cash-back rewards you can earn each year, you should note that you must earn at least $25 in cash-back rewards before you’re able to redeem them.
Alternative Cards To the Blue Cash Everyday Card
|Amex Credit Card||Benefits & Info|
Blue Cash Preferred® from American Express
(at Amex's secure site)
If you’d like a card that is an overall improvement upon the Blue Cash Everyday card, and don’t mind paying an annual fee, then you’ll love the Blue Cash Preferred card. This card takes your cash-back earnings to the max by offering 6% back at supermarkets and select streaming services, plus 3% back at gas stations and on transit purchases like rideshares and public transportation.
|Credit Card||Benefits & Info|
|Chase Freedom Unlimited®|
(at Chase's secure site)
Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.
If you prefer a no annual fee card with different bonus categories and flexible rewards, then maybe the Chase Freedom Unlimited card is more your speed. With it, you’ll earn 5% back on travel purchased through the Chase Ultimate Rewards travel portal, 3% on dining and at drugstores, and 1.5% back on all other purchases. Plus, your points aren’t just limited to being used as cash-back — you can also redeem them towards travel, gift cards, experiences, and multiple other options.
If you’re currently undecided about which credit card to get, check out our comparison guides:
- Blue Cash Everyday Card vs. American Express Cash Magnet® card
- Blue Cash Everyday Card vs. American Express® Gold Card
- Blue Cash Everyday Card vs. Blue Cash Preferred Card
- Blue Cash Everyday Card vs. Chase Freedom Unlimited® Card
The information regarding the Chase Freedom Unlimited® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Frequently asked questions
What credit score do you need for the Blue Cash Everyday card?
There is no set credit score needed in order to be approved for the Blue Cash Everyday card. But if your credit score is at least a 700 then you should feel good about your chances of being approved for the card.
What is the credit limit of the Blue Cash Everyday card?
There is not an official max limit for what your credit limit can be if you’re approved for the Blue Cash Everyday card. That will be determined by your credit score, your stated income, and the amount of credit that American Express has already extended to you. But if you’re approved for the card, at the very least your credit limit should be $1,000.
Is the Blue Cash Everyday card a good credit card?
Yes, the Blue Cash Everyday card is an excellent credit card. If you’re someone who is looking for a no annual fee, cash-back card, that offers bonus categories towards purchases at supermarkets, gas stations, and grocery stores, then the card might be the perfect option for you.
What is the difference between The Amex EveryDay® Credit Card and the Blue Cash Everyday card?
The Amex EveryDay card earns 2x points per $1 at supermarkets and 1x points everywhere else, with the opportunity to earn 20% bonus points when you use your card 20 or more times in a billing period.
The Blue Cash Everyday card earns 3% back at supermarkets, 2% back at gas stations and department stores, and 1% back everywhere else.
On the surface, the Blue Cash Everyday card offers a better rewards rate, especially for anyone who is focused on earning cash-back. However, the Amex EveryDay card earns Amex Membership Rewards points which offers more flexibility when it comes to your redemption options.
Which is better between the Blue Cash Everyday card vs the Amex Cash Magnet card?
With the Blue Cash Everyday card, you’ll earn 3% back at supermarkets, 2% back at gas stations and department stores, and 1% back on all other purchases.
With the Amex Cash Magnet card, you’ll earn an uncapped 1.5% back on all purchases.
So if you’re someone who has a large number of expenses that fall within the supermarket, gas station, or department store categories, then the Blue Cash Everyday card is likely the best option for you. If you don’t spend a lot on purchases within those categories, or prefer a card with a flat earning rate, then the Amex Cash Magnet card would be the better option.
Does the Blue Cash Everyday card have foreign transaction fees?
Yes, the Blue Cash Everyday card charges a 2.7% foreign transaction fee, so you’ll want to use another card for purchases when you travel internationally.
Can I upgrade the Blue Cash Everyday card to the Blue Cash Preferred card?
Yes, as long as you have had the 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 Blue Cash Preferred card.
Which is better between the Blue Cash Everyday card vs the Blue Cash Preferred card?
The Blue Cash Preferred card offers cardholders 6% back at supermarkets and select streaming services, plus 3% back at gas stations and transit purchases. This is significantly better than the 3% back at supermarkets and 2% back you earn at gas stations and department stores with the Blue Cash Everyday card.
The catch is that the Blue Cash Preferred card charges a $95 annual fee (see rates and fees) and the Blue Cash Everyday card does not. So whichever card is right for you depends on whether you spend enough with each card’s bonus categories in order to justify paying an annual fee.