How To Maximize the New Amex Blue Cash Everyday Card Earning Rates

The Blue Cash Everyday^® Card from American Express just underwent a thorough refresh that improved the card’s earning rates and overall value proposition. Now, cardholders will have 3 separate 3% cash-back categories to take advantage of, still without an annual fee (rates and fees).

Here’s a look at how you can maximize the new cash-back categories.

Cash-back at U.S. Supermarkets

With your Amex Blue Cash Everyday card, you’ll earn 3% back at U.S. supermarkets on up to $6,000 per year in purchases, and 1% thereafter.

Keep in mind that superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered U.S. supermarkets.

Here’s a sample list of merchants at which you’ll earn 3% back:

If your annual grocery expenses are around $6,000 each year ( or $500 per month), this bonus category alone could earn you $180 in cash-back each year.

Cash-back on U.S. Online Retail Purchases

A new bonus category added to the card is the ability to earn 3% back on U.S. online retail purchases on up to $6,000 per year in purchases, and 1% thereafter. This is a bonus category that many cards don’t offer and is sure to help those who regularly shop online to earn quite a bit of cash-back.

According to American Express, to earn additional rewards on online retail purchases, they must be made on a website or a digital application (an app) from a U.S. retail merchant that sells physical goods or merchandise directly to consumers.

Here are some examples of the types of purchases that will fit into this new category and earn you 3% back:

While there are many other purchase types that occur almost exclusively online like airfare, ticket purchases, rideshare apps, online grocery orders, food delivery, and streaming services, you will not earn 3% cash-back on these purchases.

Cash-back at U.S. Gas Stations

Previously, the Amex Blue Cash Everyday card earned 2% back at U.S. gas stations. Now, that has improved to 3% back on your first $6,000 per year in purchases, and 1% after.

To receive the bonus cash-back, the merchant’s primary business has to be gasoline. Examples include:

This excludes superstores, supermarkets, and warehouse clubs that also sell gasoline.

Up to $250 Annual Statement Credits

The Blue Cash Everyday card is living up to its name by offering statement credits for everyday household purchases:

• Up to $7 back monthly after using your Amex Blue Cash Everyday card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
• Earn up to $15 back monthly – an annual savings of up to $180 – when you order online at Home Chef. Enrollment required.

Hot Tip: Check out our full guide on the best ways to earn tons of Amex cash-back rewards!

Final Thoughts

The improved cash-back earning rates make the Amex Blue Cash Everyday card a top option when it comes to cash-back cards and statement credits with no annual fee.

All things considered, if you’re someone who is already paying for Home Chef or the Disney Bundle, and a decent portion of your annual expenses fall within one of the card’s 3 bonus categories of U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, then the Amex Blue Cash Everyday card might be a perfect addition to your wallet.

For rates and fees of the Blue Cash Everyday^® from American Express, click here.