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Amex Blue Cash Everyday Review: Big Cash Back Rewards on Everyday Spending

Review Updated
Lyle Daly
By: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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The Blue Cash Everyday® Card from American Express is good for consumers who spend a lot on groceries, gas, and online shopping. It's especially well-suited for families, because of its bonus categories and an $84 Disney Bundle credit. Terms apply.

Keep reading to see if this American Express card fits your needs.

Ratings Methodology

Blue Cash Everyday® Card from American Express

Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Blue Cash Everyday® Card from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Blue Cash Everyday® Card from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

APR

19.24%-29.99% Variable

Rewards Circle with letter I in it. 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.

1%-3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

  • If gas and groceries are big line items in your budget, don't miss this card. You won't pay an annual fee, and you can earn a generous 3% cash back at supermarkets, online retail purchases, and gas stations in the U.S., on up to $6,000 per year, per category. A 0% APR intro offer lasting 15 months and a $200 welcome bonus for a $2,000 spend inside of 6 months (terms apply) round out the perks on this Amex.

    • U.S. supermarkets and online retail rewards
    • U.S. gas stations cash back
    • Big welcome offer
    • No annual fee (see rates and fees)
    • Foreign transaction fee
    • High spend requirement for welcome offer
    • 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.
• 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.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 20.24%, 25.24%, or 29.99% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 28.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 19.24% - 29.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Amex Blue Cash Everyday review

Is the Amex Blue Cash Everyday worth it?

The Blue Cash Everyday® Card from American Express is a great value for a cash back card. You'll earn bonus cash back in some of the most popular categories, and you could save money with its spending credits, all for no annual fee. (See rates and fees.)

Author's note

American Express is one of my favorite card issuers, in large part because of its customer service. Over the years, I've contacted American Express by phone and through live chat online. It has never taken more than a couple of minutes to talk to a representative, and they've always done an excellent job.

Card benefits matter too, and while I'm not a fan of all of them, I think this is one of the better American Express cards. The cash back program gives you plenty of opportunities to earn bonus rewards.

What everyone else is saying

Here's a summary of what more credit card review sites and people online think about this card.

What other review sites say

Average review site rating: 4.0 / 5 stars

We read reviews on this card from five other top review sites, and there were a range of opinions. Some reviewers loved it, while others considered it a decent, but unspectacular card.

Every review highlighted the bonus categories for this card. But there were also criticisms of the yearly spending caps on those bonus categories. Lots of families are going to blow past those limits, particularly on their grocery spending. It'd be nice to see American Express do an inflation adjustment and bump up those bonus caps.

Our review is higher on this card's bonus categories than most -- we think they're very good for a no annual fee card. We also like the spending credits, since those are something you don't see often from a credit card you don't need to pay for.

Online consensus

We saw similar opinions about this American Express card on social media. Some people consider it a solid card, and others say it's one of the best no annual fee cards.

The bonus cash back is the big draw. Several cardholders mentioned that they love the bonus categories, and that they're able to earn a high rate on most of their everyday expenses with it. There was also praise for the $84 in annual credits toward a Disney Bundle (terms apply). As multiple people mentioned, it's easy to come out ahead with this card if you can use its spending credits.

One critique worth sharing is that while online shopping is a bonus category, some cardholders found it inconsistent. They made purchases online that didn't code as online shopping and only earned 1%. Several people also thought the Blue Cash Preferred® Card from American Express is better for big spenders.

Amex Blue Cash Everyday features and benefits

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.

What could be improved

This card doesn't travel well -- U.S.-centric benefits and a foreign transaction fee

If you like to travel internationally, the Blue Cash Everyday® Card from American Express isn't a good fit for that. As you may have noticed earlier, all its bonus categories are specifically for U.S. businesses: U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases.

Everything else earns the standard 1% cash back rate. If you use your card at a supermarket in Canada or a gas station in the United Kingdom, you'll earn 1% back, not 3%. Terms apply.

You'll also pay a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. On a vacation abroad where you spend $3,000, that's an extra $81 in fees. When you're outside the United States, you're better off bringing a travel credit card.

The spending requirement for the welcome offer is on the high side

This card comes with a welcome offer of $200 back after spending $2,000 on purchases in the first 6 months. You'll receive the cash back in the form of a statement credit.

It's a competitive welcome bonus in terms of value -- $200 is high for cards with no annual fee. But it also requires more spending compared to other credit cards. There are several cards with $200 welcome offers that only require spending $500 to $1,000 in the first three months.

For most people, this isn't a huge issue. You have 6 months to spend $2,000, after all. But if you don't spend much, then it could be a problem. In that case, check out other credit card reviews for one with a lower spending requirement on its welcome offer.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

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What to know before applying

Amex Blue Cash Everyday credit score

A FICO® Score of 670 or higher is recommended when applying for the Blue Cash Everyday® Card from American Express. American Express can be flexible with its requirements, and there are the occasional reports of successful applicants with lower credit scores. But if your score is low and you apply for this card, just be aware that it could result in a denial.

Pre-approval process

If you're already an American Express client, you can look for pre-approvals in your online account. If not, the card issuer has an online pre-approval tool that anyone can use. Either of these options will show you American Express pre-approval offers you have, which may or may not include the Blue Cash Everyday® Card from American Express.

Intro APR

The Blue Cash Everyday® Card from American Express has a 0% intro APR on purchases and balance transfers for 15 months. It's a long 0% intro APR, so you could save on interest by financing purchases or refinancing credit card debt with this card.

Fees

Here are the fees for the Blue Cash Everyday® Card from American Express:

  • Annual fee: $0
  • Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign transaction fee: 2.7% of each transaction after conversion to US dollars.
  • See rates and fees.

Credit limit

Credit limits on the Blue Cash Everyday® Card from American Express can range from $1,000 to $40,000 or more. When you're approved for this card, American Express sets a credit limit based on your income and overall creditworthiness. It may increase your credit limit automatically going forward, but you can also request an increase online or over the phone.

Should you apply for the Amex Blue Cash Everyday?

The Blue Cash Everyday® Card from American Express could be an excellent choice if you often make purchases in its bonus categories. With no annual fee, it will also make budget-conscious consumers happy. But if you're a big spender, you may want to look for cards that earn more or don't have spending caps on their bonus categories.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The credit limit for the Blue Cash Everyday® Card from American Express normally ranges from $1,000 to $15,000 or more, with some online reporting limits of over $40,000. Your spending limit will be based on a variety of factors, including your annual income and credit history.

  • It's usually not hard to get the Blue Cash Everyday® Card from American Express if you have good credit. While American Express looks at your entire financial profile, applicants should aim for a FICO® Score of 670 or above.

  • Yes, you can have two of the Blue Cash Everyday® Card from American Express. However, you won't be eligible for a welcome bonus on the second card.