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Amex Blue Cash Everyday Card – Full Review [2023]

Name: Amex Blue Cash Everyday Card – Full Review [2023]
Item: Amex Blue Cash Everyday Card
Rating: 4.26
Author: Jarrod West

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"A Great Everyday Cash-back Card"

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!

Learn More (at Amex's secure site)

Jarrod West

- Updated: May 10, 2023, 10:00am CDT|

6Comments

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 by offering 3% back on gas, groceries, and online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

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.
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.

Blue Cash Everyday Card — Snapshot

Welcome Bonus & Info (Partner Content)
- 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, 18.99% 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 in purchases, then 1%.
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.
Card Categories:
Customer Service Number
800-528-4800
Login Link
https://online.americanexpress.com/
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Great Card If

You want a card that earns cash-back rewards
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 — Fees

Annual Fee
- $0
Foreign Transaction Fees
2.7% of each transaction after conversion to U.S. dollars
Interest Rates
- 0% intro APR on purchases for 15 months from the date of account opening. After that, 18.99% - 29.99% variable APR.
Late fees
- Up to $40
- Penalty APR: 29.99% variable
Balance Transfers
- 0% intro APR on balance transfers for 15 months from the date of account opening. After that, 18.99% - 29.99% variable APR.
- Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 29.99% Variable
- Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Additional Info
Rates & Fees

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 $12.99 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 Blue Cash Everyday Card

Blue Cash Preferred® Card from American Express

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.

Check out our direct comparison of the Amex Blue Cash Everyday card vs. Amex Blue Cash Preferred card.

Chase Freedom Unlimited®

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 Ultimate Rewards 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.

We weigh the pros of cons of each card in our guide: Amex Blue Cash Everyday card vs. Freedom Unlimited card.

We’ve also compared this card to other popular cards:

The information regarding the American Express Cash Magnet® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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.

Featured Image Credit: American Express

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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

Gavin February 13, 2022
Do I qualify for an Amex Blue credit card?
- Christine Krzyszton February 14, 2022
  Hi Gavin. Good to excellent credit is recommended (670-840) in order to be approved. If you are in this credit score range, you may qualify. You may want to order a copy of your credit report if you are not sure of your credit history. (www.annualcreditreport.com)
  - Roberto Ruiz June 26, 2022
    Do they verify Transunion or Equifax?
    - Christine Krzyszton June 26, 2022
      Hi Roberto. Amex can pull credit from any of the 3 credit bureaus but primarily it is known to pull from Experian.
- Mel May 11, 2023
  Check Amex website to see if you are pre-approved to avoid a hard pull on your credit report .
Katie April 21, 2023
I have a credit score of 766 and wasn’t approved, smh.

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