Cash back bonuses in the places where you spend the most
Everyone's spending habits are a bit different, but most of us go grocery shopping on a regular basis. If you drive, then you probably also spend money on gas. And who doesn't do the occasional (or frequent) online shopping at this point?
With this American Express card, you'll be earning extra on all those purchases. It earns 3% cash back on:
- Groceries at U.S. supermarkets (on up to $6,000 per year in purchases)
- Gas at U.S. gas stations (on up to $6,000 per year in purchases)
- U.S. online retail purchases (on up to $6,000 per year in purchases)
- Terms apply.
It's always nice when a credit card has bonus categories you'll actually use, like gas and groceries. The Blue Cash Everyday® Card from American Express lives up to its name here, with bonus cash back in everyday spending categories.
Say goodbye to interest with a long 0% intro APR
Like a lot of cash back cards, this card gives you some time upfront to pay off credit card spending without any interest charges. It has a 0% intro APR for 15 months on purchases and balance transfers. After the intro period ends, the go-to 19.24%-29.99% Variable APR applies. Terms apply.
There are all kinds of ways you could use this benefit. Here are a few examples:
- Need to make a big-ticket purchase, like a new computer? Put it on this American Express card and pay it off interest free during the intro period.
- If your bills are going to be more expensive than usual for a few months, you could use this card to avoid costly interest charges.
- Already in credit card debt? Transfer it over to this American Express card so you can pay it down at a 0% intro APR.
One quick word of caution: A 0% intro APR is something you should only use if you really need it. It's your "break in case of emergency" option, if you have expenses you need but can't pay for in full, or expensive credit card debt. If you don't need to use it, it's better to keep yourself out of debt, even if that debt would have a 0% intro APR.
Spending credits could help you save money on your subscriptions
This card has a couple of spending credits you may like:
- $84 Disney Bundle credit: Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card from American Express to spend $9.99 or more each month on a Disney Bundle subscription.
- $180 Home Chef credit: Get a $15 monthly statement credit after using your enrolled Blue Cash Everyday® Card from American Express to purchase a Home Chef subscription.
- Terms apply.
The Disney Bundle credit is perfect if you like Disney+, Hulu, or ESPN+. The Home Chef credit could come in handy, too, if you already use that service or were planning to try it. Keep in mind that the weekly order minimum is just over $50, so even with a $15 credit, it won't be cheap.
Complimentary protections and highly regarded customer service for peace of mind
American Express is near the top of the list for customer service. Not just my personal list, either -- it's usually No. 1 in J.D. Power's credit card satisfaction studies. It has some of the best customer service, an easy-to-use web platform, and a quality mobile app.
For an example of where this makes a difference, the Blue Cash Everyday® Card from American Express has a couple of complimentary extra protections:
- Purchase protection for eligible purchases against accidental damage and theft for up to 90 days
- Car rental loss and damage insurance when you use your eligible card to pay for the entire rental and decline the collision damage waiver offered by the rental company
- Terms and coverage limits apply.
Lots of credit cards have consumer protections like these, but with other card issuers, you need to deal with a third-party insurance company to make a claim. American Express has its own insurance company. You go through the entire claim process with American Express, which can make it much easier to get your money back or have a problem resolved.