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22 Benefits of the Blue Cash Everyday Card From American Express

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
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When you add up the total of your everyday purchases such as groceries, gas, and online purchases, it may be surprising to see the amount you’re spending on a daily basis. In fact, it’s possible that everyday spending recently has made up a large portion of your overall purchases.

If you’re nodding your head “yes” because you’re making a lot of daily purchases in those general categories, you’re just the person we had in mind for our article today.

Earning rewards on every purchase you’re already making can be the easiest way to earn rewards. It can also be a smart economic decision, especially when you select a rewards-earning card that doesn’t charge an annual fee. It can also be prudent to select a card that earns rewards in the form of cash-back, the most liquid of all rewards.

That’s why we’ve chosen to focus our review today on the multiple benefits you’ll find on the Blue Cash Everyday® Card from American Express.

Amex Blue Cash Everyday Card Overview

We’ll quickly get to the details of all the benefits that come with the Amex Blue Cash Everyday card, but let’s start with a snapshot of the core card offerings and a link to learn more about any fees, interest rates, and terms that apply.

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
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 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)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 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.
Good to Excellent (670-850)

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 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.

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.
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.
  • 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.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Earning Rewards

Rewards are earned on the Amex Blue Cash Everyday card in the form of cash-back based on a percentage of your total purchase. This cash-back is termed “Reward Dollars” and is deposited into your account after your monthly statement closes.

Let’s look at the ways you can earn cash-back Reward Dollars.

1. An Introductory Welcome Bonus

Once you are approved for the Amex Blue Cash Everyday card, spending on the card will count towards earning the welcome bonus. Here’s the current bonus:

  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.

2. Earning at U.S. Supermarkets

You’ll be earning 3% cash-back on your purchases at U.S. supermarkets up to a maximum of $6,000 in purchases each calendar year. Purchases beyond the $6,000 cap will earn 1% cash-back.

3. Earning at U.S. Gas Stations

Fill up the tank, buy refreshments and snacks for your road trip, and earn 3% cash-back on every U.S. gas station purchase (up to $6,000 in purchases each calendar year). Purchases beyond the $6,000 cap will earn 1% cash-back.

4. Earning at U.S. Online Retail Purchases

You can earn 3% cash-back at U.S. online retailers up to a maximum of $6,000 in purchases each calendar year. Purchases over $6,000 earn 1% cash-back.

Here are examples of some of the online retailers that will earn 3% cash-back:

  • Apparel, footwear, and accessories stores
  • Auto and home supply stores
  • Book stores
  • Computer and electronics stores
  • Department stores
  • Drugstores
  • Furniture stores (like Wayfair.com)
  • Major retailers (like Amazon.com)
  • Personal and household care
  • Pet stores (like Chewy.com)
  • Sporting goods stores
  • Toy and hobby stores

You will NOT earn 3% cash-back on the following purchases:

  • Airline tickets
  • Concert tickets
  • Food delivery
  • Online grocery orders
  • Rideshare services
  • Streaming services
  • Wireless and cellular providers

Note that these lists are not exhaustive.

5. Earning on Every Purchase

Every purchase you make, even outside of the bonus categories, will still be earning 1% cash-back.

Bottom Line: If you’re spending a lot on these bonus categories, having a no-annual-fee card earning rewards on all those purchases could be a smart and economically-sound decision. 

Statement Credits

6. Monthly Disney Bundle Statement Credit

Receive $7 back as a statement credit each month (up to $84 back annually) after spending $9.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+, using your card. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S. Note that enrollment is required, so be sure to enroll to receive this benefit.

7. Home Chef Statement Credit

Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. As with The Disney Bundle statement credit, enrollment is required and shipping is available only in the contiguous U.S.

Redeeming Rewards

Once your cash-back has accumulated, you’ll have options for redeeming those rewards.

8. Redeem for Statement Credits

Simply log in to your card account online and select Redeem Reward Dollars to request a statement credit. Requests must be made in $25 increments and the minimum you can request is $25.

9. Additional Redemption Options

You also have the option to redeem Reward Dollars for gift cards or merchandise, but this option may not be good value compared to a statement credit.

Travel Benefits and Protections

Amex Car Rental Insurance
One of the benefits found on the Amex Blue Cash Everyday card is affordable access to premium car rental coverage. Image Credit: American Express

10. Car Rental Loss and Damage Insurance

The Amex Blue Cash Everyday card comes with complimentary secondary car rental insurance that covers damage or theft to the rental car. Secondary coverage means that you must first file a claim with any other insurance you might have.

11. Access to Premium Car Rental Protection

Fortunately, cardholders have access to Premium Car Rental Protection for just 1 low fee that covers the entire rental car period. This car rental insurance coverage is primary which means you do not first have to file a claim with your own insurance company.

Prices range from $12.25 to $24.95 for the full rental period, up to 42 consecutive days, depending on selected coverages and location.

12. Lowest Hotel Rate Guarantee

Book a qualifying prepaid hotel via AmexTravel.com and if you find a lower rate online for the same exact room after you book, you could receive the difference refunded.

13. Global Assist Hotline

Have peace of mind knowing you have access to assistance when traveling more than 100 miles from home. You can expect help with securing emergency medical and legal referrals, lost passport assistance, arranging emergency transportation, and much more. You can also utilize the hotline prior to your trip to inquire about specific destination requirements and information.

Shopping Benefits and Protections

video game controllers flatscreen tv
Eligible purchases may qualify for protections that come complimentary with the Amex Blue Cash Everyday card. Image Credit: JESHOOTS.com via Pexels

14. Introductory 0% APR on Purchases and Balance Transfers

If you need to make a large purchase (or purchases) such as appliances, a computer, or major electronics, you’ll be please to know that your purchase can be paid back over time using the card’s introductory 0% APR period.

Balance transfers are also eligible for an introductory 0% APR period.

The period begins when you’re approved for the card, no interest is charged on those purchases for the entire period, then normal variable rates apply, which are listed in the card overview above.

15. Amex Offers

In addition to earning cash-back on every purchase, you’ll receive ongoing Amex Offers available in your account that can be quite lucrative. Past offers have included a $20 statement credit on a $20 wine purchase, 10% cash-back at Mobil gas stations, and $35 cash-back for paying your AT&T bill of $35 or more. Your offers will vary.

16. American Express Auto Purchasing Program

The Amex Auto Purchasing Program is provided by TruCar and could save you thousands of dollars on your new car purchase. You’ll also be able to use your American Express card to charge at least $2,000 of the purchase on your card and receive up to $2,000 in post-purchase benefits.

17. Purchase Protection

Use your card to make an eligible purchase and receive up to 90 days of coverage, from the purchase date, for damage or theft. There is a limit of $1,000 per purchase and a $50,000 maximum per eligible card.

18. VIP Entertainment Benefits

Receive complimentary access to event ticket presales, preferred seating, special cardholder events, and access to American Express experiences.

19. Complimentary ShopRunner Membership

Your complimentary ShopRunner membership comes with free 2-day shipping and free returns at over 100 retail stores.

Additional Benefits

20. No Annual Fee

You’ll never have to pay an annual fee on the Amex Blue Cash Everyday card which means you can keep the card as long as you desire to build your credit history (rates & fees).

21. No Authorized User Fee

Earn rewards faster by adding additional users to your card. Each user will receive a separate card but all of the purchases will earn cash-back rewards in your account (rates & fees).

22. Year-end Summary

Keep track of your purchases with an organized year-end summary available each January for the previous year.

Alternatives to the Blue Cash Everyday Card

Blue Cash Preferred® Card from American Express

HIGHEST CASH BACK
Blue Cash Preferred® Card from American ExpressTerms Apply / Rates & Fees
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 great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

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 eligible 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.
Good to Excellent (670-850)

The Blue Cash Preferred® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. 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)
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
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 eligible 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%.
  • 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 on Amazon.com at checkout.
  • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
  • 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.
Rewards Center

Redeem cash-back through your American Express account

If you’re comfortable paying an annual fee, you’ll find the Amex Blue Cash Preferred card kicks up the earnings percentage significantly on grocery purchases which, in turn, could increase your bottom line cash-back.

If you’d like to compare the Amex Blue Cash Everyday card with the Amex Blue Cash Preferred card, we can help you with that. Our detailed comparison is a click away.

American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
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 is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
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 American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Spend a lot at U.S. supermarkets or restaurants? With big bonus earnings, valuable Membership Rewards earnings will add up quickly. Plus, the Amex Gold card comes with TSA PreCheck or Global Entry reimbursement and up to $120 in dining credits (up to $10 per month) with participating dining partners.

Still want more information? Check out our comparison of the Amex Blue Cash Everyday card and the Amex Gold card.

Final Thoughts

American Express does a great job of delivering everyday-spending rewards card options. You’ll have no trouble finding a card that matches your tolerance for paying an annual fee, has bonus categories that align with your spending mix, and offers an appropriate level of benefits and protections you can use.

You’ll want to run the numbers before selecting a card, however. The Amex Blue Cash Preferred card with an annual fee, for example, delivers $360 in earnings each year on $6,000 in grocery purchases, while the Amex Blue Cash Everyday card would earn $180. Even with the annual fee, you’ll come out ahead on the Amex Blue Cash Preferred card.

The Amex Blue Cash Everyday card may be a fit if you absolutely do not want to pay an annual fee and major travel benefits are not a priority.

If you spend a lot more than $6,000 on groceries and are looking for additional travel benefits, the Amex Gold Card could be a better match.

For the Global Assist Hotline benefit of the Blue Cash Everyday® Card from American Express, you can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

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.
For rates and fees of the American Express® Gold Card, click here.

Frequently Asked Questions

Is the Amex Blue Cash Everyday card worth it?

If you absolutely do not want to pay an annual fee, the Amex Blue Cash Everyday card is worth it. The card has a simple earning and redemption structure and allows you to earn rewards on purchases you’re already making on a daily basis.

You can earn $180 cash-back on $6,000 in supermarket purchases each year, $180 cash-back on $6,000 in gas purchases each year, and $180 cash-back on $6,000 in U.S. online purchases each year.

How does cash-back on the Amex Blue Cash Everyday card work?

Cash-back is earned as a percentage of each purchase you make with the card. All purchases earn at least 1% cash-back and bonus-category purchases earn more, up to 3% depending on the category.

Cash-back is deposited into your account after your statement closes each month and your bill is paid. The cash-back will then be available to redeem for a statement credit, gift cards, or merchandise.

There is a minimum redemption amount of $25 and you must redeem additional cash-back in $25 increments.

Does the Amex Blue Cash Everyday card charge foreign transaction fees?

Unfortunately, the card charges a foreign transaction fee of 2.7% of the total purchase (see rates & fees).

How does the introductory 0% APR period for purchases and balance transfers work?

Eligible purchases and balance transfers made on the card within the first 15 months after card approval will not incur interest rate charges for that 15-month period.

After that, normal interest rates will be charged on any remaining balance not paid off prior to the 0% APR period expiring. Terms apply.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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