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The Blue Cash Everyday® Card from American Express (terms apply, rates & fees) charges no annual fee, comes with intro APR periods on purchases and balance transfers and offers solid cash-back rates on groceries, gas and online retail shopping.

Editor’s note: This article contains updated information from a previously published story

Blue Cash Everyday® Card from American Express

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Blue Cash Everyday® Card from American Express
BLUEPRINT RATING
Our ratings are based on specific use cases for each card. We compared this card to others in the same category and developed our rankings based on this criteria, along with our editorial input. Note that although we chose this card as the best in its category, the right card for you will depend on your own financial circumstances.
Rates & Fees / Terms Apply
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Welcome Bonus

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

Earn $200

Annual Fee

$0

Regular APR

19.24%-29.99% Variable

Credit Score

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

(700 – 749) Good, Excellent
Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. on up to $6,000 in each category per year in purchases (then 1%); Earn 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.

Editor’s Take

Pros
  • No annual fee.
  • High rewards rate for groceries at U.S. supermarkets and select online shopping.
  • Statement credits for eligible streaming and meal kit delivery.
Cons
  • Rewards rate outside of bonus categories is lackluster.
  • If you spend more than $61 a week on groceries and other supermarket goods, the Blue Cash Preferred® Card from American Express will net you more cash back in the long run.
Consumers seeking a no-annual-fee credit card with strong rewards on gas, online shopping and at U.S. supermarkets will find a lot to love about the Blue Cash Everyday Card.

Card Details

  • 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.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 50+ cards analyzed.
  • 8 data points considered.
  • 5-step fact-checking process.

About the American Express Blue Cash Everyday Card

The Blue Cash Everyday Card from American Express won’t make you blue if you want to earn cash back — in fact, it’s a good way to get that green. Wordplay aside, this no-annual-fee Amex credit card offers cardholders significant value with useful cash-back categories.

You’ll earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 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 for eligible items at Amazon.com checkout. Some may appreciate the simplicity of redeeming cash back with no minimum redemption requirement. But you may find this too restrictive if you’re seeking a card that will let you redeem cash back by direct deposit into a bank account. Terms apply.

If you need to finance a big-ticket purchase or transfer a balance from a non-Amex card, the Blue Cash Everyday provides introductory APR periods of more than a year on both purchases and balance transfers — while charging a reasonable Either $5 or 3% of the amount of each transfer, whichever is greater. balance transfer fee.

Finally, the card offers valuable statement credits towards an eligible Disney Bundle subscription and a Home Chef meal kit subscription. For both of these benefits, enrollment is required and subject to auto-renewal. Other than that, its benefits are decent but nothing too colorful.

American Express Blue Cash Everyday Card basics

  • Annual fee: $0.
  • Welcome bonus: $200 statement credit after spending $2,000 in purchases in the first six months of card membership.
  • Rewards: 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 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 for eligible items at Amazon.com checkout.
  • APR: 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.
  • Other perks and benefits: $7 in monthly statement credits after spending $9.99 or more each month on an eligible Disney Bundle subscription (subject to auto-renewal); up to $15 in monthly statement credits for a Home Chef meal kit subscription (subject to auto-renewal); secondary car rental coverage¹; Global Assist® Hotline when traveling more than 100 miles from home²; complimentary ShopRunner membership; purchase protection³; Amex Offers; access to ticket presales and exclusive events through American Express Experiences. Terms and conditions apply. Enrollment is required for select benefits.
  • Does the issuer offer a preapproval tool? Yes.
  • Recommended credit score: Good to excellent.

American Express Blue Cash Everyday Card other details

American Express Blue Cash Everyday Card rewards

Cardholders earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 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 for eligible items at Amazon.com checkout. There’s no minimum redemption amount.

Plus, earn a $200 statement credit after spending $2,000 in purchases in the first six months of card membership.

American Express Blue Cash Everyday Card rewards potential

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card. Here’s what you might earn:

  • $4,942 in spending on groceries x 3% cash back = $148.26
  • $3,009 in spending on gas x 3% cash back = $90.27
  • $1,802 in online retail purchases x 3% cash back = $54.06
  • $15,334 in remaining credit card spending x 1% cash back = $153.34

For a grand total of $445.93 in rewards annually.

American Express Blue Cash Everyday Card APR

The Blue Cash Everyday offers a 0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies.

American Express Blue Cash Everyday pros

  • Useful cash-back categories: Groceries, gas and online shopping make up a substantial portion of most people’s budgets today. Using the Blue Cash Everyday Card rewards you for those purchases at a competitive rate without an annual fee. Consider pairing it with a flat-rate 2% card for your spending that won’t earn the elevated cash-back rate.
  • Valuable statement credits: Want to stream the latest on Disney+, Hulu and ESPN+? With an eligible Disney Bundle subscription of $9.99 or more charged to your Blue Cash Everyday Card each month, you can offset the cost with up to $84 back in annual statement credits (issued as a $7 monthly statement credit; subject to auto-renewal). And if you’re considering signing up for a meal kit to make planning dinners for the week easier, you’ll love that this card provides up to $180 in annual statement credits for a Home Chef meal kit subscription (issued as an up to $15 monthly statement credit; subject to auto-renewal). Enrollment is required for select benefits.
  • Redeem with no minimum: Some credit cards may require minimum redemption amounts before you can cash out or have specific redemption increments, such as $25. The Blue Cash Everyday lets you redeem your cash back for a statement credit or for eligible items at Amazon.com checkout with no minimum requirement.

American Express Blue Cash Everyday cons

  • Elevated cash-back earnings capped: You’ll only earn elevated cash back on U.S. supermarket purchases, U.S. gas station spending and online retail shopping in the U.S. on up to $6,000 spent in each category per calendar year. After hitting a cap, you’ll earn the base rate in that category until the next year. The caps are fairly high, and may not be an issue for most cardholders, but they could be a problem if your annual spend in one or more of these categories is particularly heavy. 
  • Competing cards may earn higher rates: If you want to maximize rewards, know that it’s possible to find cards earning 5% or 6% cash back in categories like groceries and gas. However, caps or other restrictions may apply, and you may have to pay an annual fee.
  • Foreign transaction fees: When traveling abroad, take a different card, because the Blue Cash Everyday charges 2.7% of each transaction after conversion to US dollars.

How the American Express Blue Cash Everyday compares to other cards 

American Express Blue Cash Everyday vs. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred (terms apply, rates & fees) can be thought of as the Blue Cash Everyday’s big sibling. It charges a $0 intro annual fee for the first year, then $95 annual fee, but earns significantly elevated rewards.

Cardholders with the Amex Blue Cash Preferred earn 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 and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout.

Plus, earn a $250 statement credit after spending $3,000 in purchases in the first six months of card membership.

American Express Blue Cash Everyday vs. Citi Custom Cash® Card

If you want to earn higher cash back on groceries higher, consider the Citi Custom Cash Card.

It’s unique in that it automatically determines your top spending category each month — from a list of eligible categories — and rewards you with 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 spent each month and 1% cash back on all other purchases. Categories eligible for the elevated cash back include:

  • Restaurants.
  • Gas stations.
  • Grocery stores.
  • Select travel.
  • Select transit.
  • Select streaming services.
  • Drugstores.
  • Home improvement stores.
  • Fitness clubs.
  • Live entertainment.

You can also earn the following welcome bonus: $200 cash back, in the form of 20,000 ThankYou points, after spending $1,500 on purchases in the first six months of account opening. Though marketed as a cash-back card, the Custom Cash earns Citi ThankYou® points that can be redeemed for cash back.

The Citi Custom Cash charges no annual fee.

American Express Blue Cash Everyday vs. Wells Fargo Autograph℠ Card

Perhaps you like to dine out more than you like to go grocery shopping to cook at home. In that case, a card such as the no-annual-fee Wells Fargo Autograph Card might be the right fit for your wallet.

With the Autograph Card, you’ll earn 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.

There’s a welcome offer of 20,000 points after spending $1,000 in purchases in the first three months of account opening.

Should you get the American Express Blue Cash Everyday Card?

If you’re looking for solid earning rates in several useful categories all packaged in one card, the Blue Cash Everyday is worth considering. That’s particularly true due to Amex’s “apply with confidence” feature, which lets you check if you’re approved with no impact to your credit score.

Depending on how dedicated you are to maximizing cash back, it’s possible to find cards that earn higher rates on categories like grocery shopping at U.S. supermarkets and U.S. gas station purchases. However, you have to evaluate if a higher rewards rate is worth potentially needing to carry additional cards or pay for a card with an annual fee, compared with the no-annual-fee Blue Cash Everyday.

American Express Blue Cash Everyday summary

AMERICAN EXPRESS BLUE CASH EVERYDAY DETAILS
Annual fee
$0
Rewards
3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year, then 1%), and 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 for eligible items at Amazon.com checkout
Welcome bonus
$200 statement credit after spending $2,000 in purchases in the first six months of card membership
APR
0% intro APR for 15 months on purchases and on balance transfers requested in the first 60 days, then a variable APR of 19.24% to 29.99%. A balance transfer fee of $5 or 3%, whichever is greater, applies
Foreign transaction fees
2.7% of each transaction after conversion to US dollars.
Benefits
Monthly statement credits for the Disney Bundle and for Home Chef purchases, secondary car rental coverage¹, complimentary ShopRunner membership when you enroll and purcha

Methodology

Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.

Some of the factors evaluated in selecting the best rewards credit cards included:

  • Rewards potential and redemption options.
  • Welcome bonuses.
  • Travel and shopping benefits.
  • Intro APRs.
  • Annual fees.

Frequently asked questions (FAQs)

Yes, the Amex Blue Cash Everyday has a credit limit. If you’re approved for the card, American Express will set your credit limit based on factors such as your credit history, income and your ability to repay what you charge to the credit card.

American Express doesn’t specify a minimum credit score to qualify, but with the Blue Cash Everyday being a cash-back card from a major issuer, it’s safe to say applicants should have good-to-excellent credit for the best chances of approval. That typically means a FICO Score in the range of 670 to 850.

No, the Amex Blue Cash Everyday is not a charge card. You are able to carry a balance from month to month — while making at least the minimum monthly payment — but you will incur interest charges for doing so when not in an intro APR period.

There are a few American Express cards with “Blue Cash” or similar in the name: the Blue Cash Everyday, the Blue Cash Preferred and The American Express Blue Business Cash™ Card * The information for the The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . In each case, whether one of those cards or the American Express® Gold Card is best will depend on your individual needs.

In the case of the Blue Cash Everyday vs. the Amex Gold, one advantage of the Blue Cash Everyday is that it charges no annual fee — while the Gold charges a $250 annual fee (terms apply, rates & fees). However, the Amex Gold also offers a statement credit of up to $120 per year (enrollment required) toward eligible dining expenses and up to $120 per year in Uber Cash that can be used for rides and Uber Eats orders in the U.S. The Gold card must be added in the Uber account to receive the Uber Cash benefit. The two cards also have very different rewards programs.

When choosing between the Blue Cash Everyday and the Amex Gold, the right card for you will depend on how you plan to use it and if you’re willing to pay an annual fee to carry it.

All information about The American Express Blue Business Cash™ Card has been collected independently by Blueprint.

No, despite the similar names, these are two different American Express cards. The Blue Cash Everyday earns cash back, while the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns Membership Rewards® points.

All information about Amex EveryDay® Credit Card has been collected independently by Blueprint.

For rates and fees for the Blue Cash Everyday® Card from American Express please visit this page.

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.

For rates and fees for the American Express® Gold Card please visit this page.

¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

²Eligibility 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.

³Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

*The information for the Amex EveryDay® Credit Card and The American Express Blue Business Cash™ Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.