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.
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
- 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.
6. Monthly Disney Bundle Statement Credit
Receive $7 back each month (up to $84 back annually) after spending $13.99 or more each month on an eligible subscription to The Disney Bundle which includes Disney+, Hulu, and ESPN+ using your Card. Note that enrollment required 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.
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 Amex Travel 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.
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.
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 and fees).
21. No Fee To Add Authorized Users
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 and 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
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
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.
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® Card from American Express, click here.
For rates and fees of the Blue Cash Preferred® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.