The Blue Cash Everyday® Card from American Express offers 3% cash back on up to $6,000 per year in eligible purchases at U.S. supermarkets, U.S. online retailers, and U.S. gas stations, plus credits for eligible subcriptions.
This credit card review 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.
Welcome Bonus
The Blue Cash Everyday currently offers the following welcome bonus: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
As with many credit card offers, there are some restrictions to keep in mind. American Express has a once-per-lifetime rule for welcome bonuses, meaning if you’ve had this card before, you likely won’t be eligible for the bonus again. Additionally, American Express may consider other factors when determining your eligibility for the welcome offer.
Luckily, Amex offers a tool that lets you check if you’re likely to be approved for a card and eligible for its welcome bonus before submitting a full application. This feature uses a soft credit pull, allowing you to make an informed decision about proceeding with your application without impacting your credit score through a hard inquiry.
Earning Cash Back Rewards
The Blue Cash Everyday earns cash back at the following rates: Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Additionally, the 3% back is capped at up to $6,000 per year in purchases in each category, followed by 1% back.
The Blue Cash Everyday offers solid earnings in common spending categories without an annual fee. While the 3% categories are competitive, the $6,000 annual cap may limit rewards for higher spenders.
The 1% base rate on other purchases is relatively low compared to some flat-rate cash back cards. For those who spend heavily in the bonus categories but moderately overall, this card could provide good value, though others may find more rewarding options for everyday spending.
No Annual Fee
The Amex Blue Cash Everyday Card has no annual fee (rates & fees). The card also offers several benefits that provide value, including statement credits for the Disney Bundle.
Blue Cash Everyday Benefits
The Blue Cash Everyday offers the following benefits and perks: 0% Intro APR: Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, reg_apr,reg_apr_type APR. Subscription Credit: Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal. Amex Offers: As an American Express cardholder, you can access Amex Offers. These targeted, limited-time promotions provide discounts or bonus points on purchases with select merchants. Offers are added to your card, and you’ll receive either a percentage or dollar amount back as a statement credit when you meet the offer terms. While offers vary and may not always align with your spending habits, this perk can be valuable when an offer matches your preferences. ShopRunner Membership: As a cardholder, you’ll enjoy a complimentary ShopRunner membership, which provides free 2-day shipping and free returns at over 100 participating online retailers. This benefit can help frequent online shoppers save on shipping costs and streamline the return process. Secondary Rental Car Insurance: This card provides backup protection for rental car damage or theft when you charge the full rental to your card.* 90-Day Purchase Protection: Your new purchases are covered against damage and theft for 90 days when you use your card. This protection helps safeguard your eligible items right from the moment you buy them.* * Eligibility and benefit level varies by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
Redeeming Rewards
The Amex Blue Cash Everyday offers a straightforward approach to redeeming rewards. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. This simple system allows you to easily apply your earnings to your account balance or make purchases on Amazon, giving you flexibility in how you use your rewards. With no minimum redemption amount, you can use your cash back whenever you want, making it an ideal choice for those who prefer straightforward rewards over complex point systems.
Pros and Cons of the Blue Cash Everyday
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
No Annual Fee: The card has no annual fee, making it an attractive option for those looking to minimize credit card costs.
Good Earning Rates: Offers 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year in each category, then 1%), which are competitive rates for a no-fee card.
Cons:
Spending Caps: The 3% cash back rate is limited to $6,000 in purchases per year for each bonus category, which may be restrictive for high spenders.
Foreign Transaction Fees: This card charges foreign transaction fees, making it less suitable for international travel or purchases.
Low Base Earning Rate: The 1% cash back on all other purchases is relatively low compared to some other no-fee cards that offer a higher flat rate on all spending.
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
The Blue Cash Preferred® Card from American Express (review) is designed to maximize cash back on common household expenses. If you spend heavily on groceries, streaming services, transit or gas, you’ll find the card’s bonus categories and earning rates hard to beat. Welcome Bonus: Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Earning Rewards: 6% back at US Supermarkets (up to $6,000 per year, then 1% back) and select US streaming subscriptions; 3% back on transit (including rideshare) and at US gas stations; 1% back on all other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Card Benefits: Subscription credit (up to a $10 monthly statement credit after using your enrolled card for a subscription purchase, including at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites), secondary rental car insurance, extended warranty, purchase protection, return protection, and 0% APR on purchases and balance transfers for 12 months from the date of account opening, after that a reg_apr,reg_apr_type APR.
SoFi Credit Card
The SoFi Unlimited 2% Credit Card offers a straightforward rewards structure that gives you 2% back on purchases, plus an extra boost to 3% when booking through SoFi Travel. You’ll get the most value by staying within the SoFi ecosystem, as rewards can be redeemed into SoFi accounts or used to pay down SoFi loans. Welcome Bonus: No welcome bonus is currently offered. Earn Rewards: 3% back on travel via SoFi Travel and 2% back on all other purchases. Card Benefits: Cell phone insurance, no foreign transaction fees, and Mastercard World Elite benefits.
Is the Blue Cash Everyday Card Worth It?
The Blue Cash Everyday is a solid choice for those seeking cash back rewards without an annual fee. You’ll earn 3% back on groceries, gas, and online retail purchases (up to $6,000 spent annually in each category), which can add up quickly for everyday spenders.
The card also offers some nice perks like a statement credit for Disney+ subscriptions. While the earning rates are capped, this card could be quite rewarding if your spending aligns with the bonus categories. However, if you’re a big spender or want more flexible rewards, you may want to consider other options.
Learn How to Apply: Blue Cash Everyday® Card from American Express.
For rates and fees of the Blue Cash Preferred® Card from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
