20 Benefits of the Blue Cash Everyday Card From American Express

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.

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Apply Now(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.

Blue Cash Everyday^® Card from American Express

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!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

20.24%-29.24% Variable,0% on purchases for 15 months

Credit Recommended

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

Why We Like This Card

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 & Cons

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.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% 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:

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

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

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

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, and you must first add them to your account to receive the benefit.

16. 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.

17. VIP Entertainment Benefits

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

Additional Benefits

18. No Annual Fee

You’ll not 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).

19. 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).

20. 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

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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.

Apply Now(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.

Blue Cash Preferred^® Card from American Express

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.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

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

Why We Like This Card

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 & Cons

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)

Read Full Review

Card Highlights

• 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 with a fixed fee. 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% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
• 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 and 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 or at Amazon.com 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.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 20.24%-29.24% 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 U.S. supermarket 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

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs 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!

Apply Now(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.

American Express^® Gold Card

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!

Welcome Offer

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

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

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, 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 & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. 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, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• 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 U.S. supermarket 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.