The Blue Cash Everyday® Card from American Express offers a competitive introductory APR, sign-up bonus, and rewards program without charging an annual fee. This card is great for families who regularly shop at supermarkets, as it offers 3% back on up to $6,000 per year. Plus, it also offers 2% cash back on gas and purchases at eligible department stores and 1% on everything else. As the name implies, it’s a good card for everyday spending. However, it may be limiting for anyone looking for rewards in shopping categories like travel and entertainment. It also comes with a foreign transaction fee, so it’s not the best fit for those who travel abroad regularly.
Blue Cash Everyday Card from American Express Overview
Rewards rate: 3% cash back at supermarkets (up to $6,000 a year), 2% cash back at gas stations and eligible department stores, and 1% cash back on other purchases
Sign-up bonus: $150 statement credit* after spending $1,000 in the first three months (*Through a Reviews.com partnership)
Note: Due to the impact of COVID-19, for eligible Card accounts approved from December 1, 2019 through May 31, 2020 for which you are eligible for a welcome offer, the period to make eligible purchases to earn your welcome bonus will be extended for an additional 3 months. Eligible Cards are U.S. Consumer and Business Cards issued by American Express National Bank to a Basic Card Member.
Annual Fee: $0
APR: 14.49% to 25.49% variable on purchases and balance transfers (0% intro APR for 15 months)
- Balance Transfer Fee: $5 or 3% of each transfer (whichever is greater)
- Foreign Transaction Fee: 2.7% of each transaction
- 0% APR for balance transfers and purchases for the first 15 months
- Pay It Plan It: Two options to pay down your balance
- 0% introductory APR: Applies to purchases and balance transfers for 15 months
- $150 sign-up bonus: Receive bonus in the form of a statement credit
- 3% cash back at U.S. supermarkets: Earn up to $6,000 per year
- Unlimited 2% cash back at U.S. gas stations and department stores: Applies to gasoline and select stores
- No annual fee: Save money with zero annual fees
- 2.7% fee for purchases made abroad: Applied after a transaction is converted to U.S. dollar
- Limited rewards categories: Other cards offer more categories that rotate
Who Should Get the Blue Cash Everyday Card from American Express?
Best for: Cardholders who frequently make purchases at supermarkets, gas stations, and department stores, but don’t want to shell out money for an annual fee.
Not for: Those who don’t spend their food budget at grocery stores, but rather on dining out and delivery services. The Blue Cash Everyday Card from American Express may not be a good fit considering they’ll be missing out on one of its biggest perks.
0% APR for 15 months
As a new cardholder, you can take advantage of 0% introductory APR for purchases and balance transfers for the first 15 months (14.49% to 25.49% after). You can use the intro period to finance new purchases or transfer and pay down your outstanding debt without accruing additional interest. Be aware that there’s a $5 or 3% balance transfer fee, whichever is greater. Also, the promotional APR only applies to balance transfers requested in the first 60 days.
$150 sign-up bonus
You’ll earn a $150 statement credit after spending $1,000 within your first three months of opening your Blue Cash Everyday Card from American Express account. The statement credit will be applied within eight to 12 weeks after you meet the spend threshold.
Cash back rewards
This card offers a competitive cash back rewards program where you can earn 3% cash back at supermarkets. However, this reward maxes out at $6,000 annually, which would give you a $180 maximum cash back reward. After that, you’ll earn 1% on remaining supermarket purchases. Keep in mind that not all stores qualify as supermarkets. For example, American Express doesn’t include Target or Walmart as eligible supermarkets because those companies are considered superstores. You’ll also earn unlimited 2% cash back when you buy gasoline at U.S. gas stations and make purchases at select department stores, like Macy’s and Kohl’s. All purchases outside of these categories earn an unlimited 1% cash back.
Foreign transaction fee
If you have plans to travel abroad, your fees can really add up. Unfortunately, this card has a 2.7% foreign transaction fee, so you should try to limit your purchases abroad on the Blue Cash Everyday Card from American Express.
Limited rewards categories
The Blue Cash Everyday Card from American Express primarily rewards consumers who choose to make purchases at supermarkets. If you don’t fall into this category, you could be missing out on other substantial rewards programs that better fit your spending habits.
All information accurate as of Feb. 12, 2020.
Blue Cash Everyday Card From American Express Compared to Citi Double Cash Card
The Blue Cash Everyday Card from American Express comes with a sign-up bonus and a 0% introductory APR for purchases—both of which are missing from the Citi Double Cash Card. However, because of its limiting rewards categories, not everyone benefits from this particular rewards program structure. The Citi Double Cash Card may give you more flexibility with your spending. It has a flat cash back reward rate of 2% on all purchases, which could provide a better return if you don’t typically shop at the qualifying supermarkets or department stores of the Blue Cash Everyday Card from American Express.
This rewards card makes it easier to earn perks on your everyday purchases. With Blue Cash Everyday Card from American Express, you can earn cash back by using your card for groceries, gas, and department store purchases, while also taking advantage of its sign-up bonus.
The Bottom Line
The Blue Cash Everyday Card from American Express is a solid rewards credit card that doesn’t impose an annual fee. New cardholders can maximize their benefits by paying off their balance before the 15-month introductory APR period ends and meeting the sign-up bonus of spending $1,000 in the first three months.
Although it has limited rewards categories, you could earn up to $180 annually just by maxing out the supermarket category, which could help provide some relief for families with high grocery bills. But if you don’t normally make purchases at supermarkets and department stores, you should explore other rewards credit cards that better match your spending habits.