The Blue Cash Everyday® Card from American Express is designed for those who want to earn cash back rewards on their everyday purchases.
With this card, users can enjoy generous cash back rates on categories like U.S. supermarkets, U.S. gas stations, and U.S. online shopping.
This article will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
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- 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
- 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
- No Annual Fee (rates & fees)
Welcome Bonus
The Blue Cash Everyday currently offers the following welcome bonus:
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Earning Cash Back Rewards
The Blue Cash Everyday earns cash back at the following rates:
- 3% cash back at U.S. supermarkets;*
- 3% cash back on U.S. online retail purchases;*
- 3% cash back at U.S. gas stations;* and
- 1% cash back on all other eligible purchases.
* 3% back capped on up to $6,000 per year in purchases in each category, then 1% back.
No Annual Fee
One of the best benefits of the Blue Cash Everyday is that it has a lot of benefits for no annual fee (rates & fees).
Blue Cash Everyday Benefits
The Blue Cash Everyday offers the following benefits:
$7 Monthly Statement Credit on the Disney Bundle
The Blue Cash Everyday card offers $7 back in the form of a statement credit each month (up to $84 annually) after spending $9.99 or more each month on an eligible subscription to the Disney Bundle, which includes Disney+, Hulu, and ESPN+.
Enrollment is required for this benefit.
$180 Home Chef Credit (up to $15 Per Month)
The Blue Cash Everyday offers up to a $180 credit to the meal delivery service Home Chef (subject to auto renewal), which comes in the form of a $15 monthly statement credit when you enroll your card.
Home Chef costs about $60 a week for 3 Meals w/ 2 servings or $9.99 per serving with a minimum order of $40 for free shipping.
0% APR for 15 Months
The Amex Everyday offers 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a reg_apr,reg_apr_type APR.
Access to Amex Offers
This card has access to Amex Offers, which are deals that are linked to your card, allowing you to save money or earn extra points on shopping, dining, and travel.
For example, there could be an offer such as spending $200+ at Marriott Hotels and Resorts and receiving $50 cash back as a statement credit.
You can find all of your Amex Offers by signing into your American Express account. You will need to “Add to Card” each offer to be eligible for the special offer.
Complimentary ShopRunner Membership
This card offers a complimentary membership to ShopRunner, giving you free two-day shipping and free returns at 100+ online retailers.
Eligible stores include Bloomingdales, Under Armour, American Eagle, Saks Off 5th, Cole Hann, Fanatics, Vera Bradley, Jockey, Kate Spade, NFL Shop, NBA Store, MLB Shop, and Coach.
Secondary Rental Car Insurance*
Secondary rental car insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.
Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.
You still need to maintain liability car insurance to cover damage to another person or property.
Purchase Protection*
Purchase protection could save you a lot of money if you bought an eligible item that is damaged or stolen within 90-days.
For example, if you accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if the item was purchased within the last 90 days.
*(Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/
Pros and Cons of the Blue Cash Everyday
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
- No annual fee (rates & fees).
- Great rewards for online shopping.
- Nice statement credits for a no annual fee card.
- 0% APR offer (detailed above).
Cons:
- Only 1% cash back on everyday purchases.
Alternatives to the Blue Cash Everyday
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Blue Cash Preferred® Card from American Express
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- 6% Cash Back at U.S. Supermarkets (up to $6,000 per year; 1% thereafter) and on Select U.S. Streaming
- 3% Cash Back on Transit, Ridesharing, Parking, and at U.S. Gas Stations
- $0 Intro Annual Fee for the First Year, then $95 (rates & fees).
The Blue Cash Preferred® Card from American Express (review) offers an outstanding 6% cash back rewards for purchases at U.S. supermarkets (up to $6,000 per year; 1% thereafter) and on U.S. streaming services, making it perfect for anyone who wants to maximize earnings from everyday expenses.
Plus, the card offers 3% cash back on transit, rideshare, parking, and at U.S. gas stations.
Citi® Double Cash Card
The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay.
This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track.
You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.
Is the Blue Cash Everyday Card Worth It?
The Blue Cash Everyday is perfect for individuals whose expenses revolved around groceries, online shopping, and gas stations – typical household expenses that the average consumer spends on.
However, what makes the card stand out is its 0% intro APR (detailed above). This means you can use the card to make large purchases or consolidate any existing debt you have.
Overall, the Blue Cash Everyday Card is great for first time cardholders who want to build their credit or explore what the Amex loyalty program is like.
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- 3% Cash Back at U.S. Supermarkets, U.S. Online Retail Purchases, & U.S. Gas Stations (each on up to $6,000 per year in purchases, 1% thereafter)
- 0% Intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, a reg_apr,reg_apr_type APR.
- No Annual Fee (rates & fees)
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.
