The Amex Blue Cash Everyday Card – Full Review [2021]

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. See our Advertiser Disclosure for more details.

The Amex Blue Cash Everyday Card – Full Review [2021]

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.

"A Great Everyday Cash-Back Card"

This cash-back card offers 3% at U.S. supermarkets, 2% at U.S. gas stations and select U.S. department stores, and 1% on all other purchases!

Learn More (at Amex's secure site)

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.

Pros

Cons

  • Rewards are not flexible and can only be redeemed for cash-back

Blue Cash Everyday Card — Snapshot

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.

Purchase Protection

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
    • $0
  • Foreign Transaction Fees
    2.7% 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
    • Up to $40
    • Penalty APR: 29.99% Variable
  • 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

Get Cash Back for Supermarket Shopping with the Blue Cash
Earn 3% cash-back rewards on groceries with the Blue Cash Everyday card. Image Credit: Minerva Studio via Shutterstock

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:

  • ALDI
  • FreshDirect
  • Gelson’s
  • Hy-Vee
  • Kings Food Markets
  • Meijer
  • ShopRite
  • Smart & Final
  • Stop & Shop
  • Trader Joe’s
  • Vons
  • Whole Foods
  • Winn-Dixie

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:

  • Gulf
  • Murphy USA
  • Murphy Express
  • Exxon
  • Mobil
  • Hess
  • Shell

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:

  • Bealls
  • Belk
  • Bloomingdale’s
  • Bon Ton Stores
  • Boscov’s
  • Century 21 Department Stores
  • Dillard’s
  • J.C. Penney (JCP)
  • Kohl’s
  • Lord & Taylor
  • Macy’s
  • Neiman Marcus
  • Nordstrom
  • Saks Fifth Avenue
  • Sears
  • 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.

Everyday Spending

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

Person Counting Money
Use the Blue Cash Everyday card for all of your everyday purchases and watch the cash-back pile up. Image Credit: Sharon McCutcheon via Unsplash

Statement Credit

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.

Bottom Line: The Blue Cash Everyday card is an excellent cash-back credit card option for individuals or families looking for a way to earn cash-back rewards on everyday items like gas and groceries without paying an annual fee. 

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 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.

Chase Freedom Unlimited® Card

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:


The information regarding the Chase Freedom Unlimited® 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, click here.


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.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

Travel prices are about to surge from pent-up demand.

Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...

How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?

Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)

Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.