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 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 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.
With the 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.