Blue Cash Everyday® Card from American Express Review

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Blue Cash Everyday® Card from American Express Review

The Blue Cash Everyday® Card from American Express offers cash back rewards on gas and grocery purchases. Ideally, it’s a handy option for people who prefer cash back over travel rewards.

Blue Cash Everyday® Card from American Express offers a 3% cash back reward on groceries, at U.S gas stations, on U.S.online retail purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

On opening an account, new cardholders can earn up to $200 welcome bonus. However, this reward is earned after spending $2000 within the first six months after opening the account. You will receive the $200 back in the form of a statement credit.

To have this card, you need a good or excellent credit score. The approval odds are higher if you have an excellent credit score. To estimate your approval odds, you can check for pre-qualification.

Based on cardholders reports, the Blue Cash Everyday® Card from American Express has a credit limit of $1000 to $13,500.

Blue Cash Everyday® Card from American Express: Pros and Cons

Rewards System in a Nutshell

The Blue Cash Everyday® Card from American Express has a unique reward system. With this card, you will earn 3% of all grocery spending up to $6000 a year. After exceeding the $6000 limit, you will earn a fixed cash back rate of 1%. Besides, you will also earn 3% cash back at select department stores and gas stations.

The supermarket list where you can get cash back on groceries exclude Superstores and Warehouse clubs such as Walmart®, Costco, and Target®. These stores do not qualify as supermarkets and only earn the 1% cash back.

These rewards apply to U.S purchases alone.

The 3% cash back isn’t capped. However, supermarkets and superstores that sell gas aren’t considered gas stations. If you purchase gas at these stores, you only receive a 1% cash back.

The cash backs are in the form of reward dollars that can be redeemed for statement credits. At times, American Express may allow users to redeem the rewards in the form of merchandise or gift cards.

Who Can Benefit from Getting the Blue Cash Everyday® Card from American Express?

If you love receiving cash back on shopping rather than travel, this can be the perfect card for you. The Blue Cash Everyday® Card from American Express is ideal for grocery shoppers and people who spend heavily on gas.

Anyone who wants to earn cash back without an annual fee can benefit from this card. It’s ideal for shoppers who want to spend more and redeem points for statement credits.

Shopping at the traditional grocery stores, filling your gas maximizes your card benefits.

Are There Any Other Benefits?

Besides the cash backs and intro bonus, the Blue Cash Everyday® Card from American Express offers several benefits. They include:

Wide Range of Security Features

The Blue Cash Everyday® Card from American Express offers a wide array of security measures to counter fraud.

All transactions are monitored in real-time. In case a suspicious or a fraudulent transaction is detected, the user is contacted immediately.

Other less-common protections include;

• 128-bit encryption to protect your passwords and user IDs
• Pre-purchase verification before authorizing a transaction
• Use of Personal Security Key for account authentication
• Automatic log out after 10-minutes of inactivity

All these transactions help curd fraud. In case someone has unauthorized access, they cannot make purchases using your card.

Car Rental Loss and Damage Insurance

Users benefit from extra coverage when they use this card to book and pay for car rental. With the Blue Cash Everyday® Card from American Express, you receive secondary coverage in case of theft or damage.

Pay It Plan It

With this card, you can use the Pay It features to pay off small purchases of below $100 right away. Users benefit from a 0% introductory fee on purchases moved into a plan within the first 15 months. After that, a fee of up to 1.33% is applied on each purchase moved into a plan.

Cash Advance

With the Blue Cash Everyday® Card from American Express, you can request a cash advance and withdraw via ATM. However, a cash advance is expensive, and the APR starts accruing immediately at a rate of 29.99%.

Assist Hotline

With this card, you get 24/7 access to financial, legal, and medical services when you are 100 miles away from your home. In this case, you will be responsible for costs charged by third-party providers.

Terms Apply

“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.”

Conclusion

This Blue Cash Everyday® Card from American Express offers good cash back rewards on everyday purchases, especially gas and groceries.

If you spend too much on groceries and gas, you are better off choosing cards with higher cash back rates, even if it means paying an annual fee. Also, the card has lower acceptance outside the US than Visa® and Mastercard®, and if you are an avid traveler, it may be unsuitable. The 2.7% foreign transaction fee is relatively higher as numerous competitors don’t impose such charges but still offer zero annual fee.