Blue Cash Everyday® Card from American Express Review

Blue Cash Everyday® Card from American Express — all information about the credit card.

By Hanna Volkava
Updated November 21, 2023

Good Choose for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

Blue Cash Everyday® American Express
Our Rating:
4.18 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on groceries 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 in purchases (then 1%).
    • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
    • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Intro Offer:
    • $200 After you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $200 back in the form of a statement credit.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening
  • Regular APR:
    19.24% - 29.99% Variable
  • Balance Transfer APR:
    19.24% - 29.99% Variable
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Blue Cash Everyday® Card from American Express Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Groceries
$
3%
Online shopping
$
2%
Gas
$
1%
All other purchases
$
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All benefits

  • Cash back
    • 3% On groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
    • 3% On U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
    • 2% On gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
    • 1% On other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Travel
    • Car Rental Loss and Damage Insurance:
    • Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
    • 24/7 Global Assist Hotline:
    • Lose your wallet? Need a medical referral? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. Global Assist Hotline can even help you prepare for your trip with customs information and more.

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 15 months from the date of account opening
  • Purchase APR
    • 19.24% - 29.99% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 15 months from the date of account opening on balance transfers requested within 60 days of account opening
  • Balance Transfers APR
    • 19.24% - 29.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing period. You will not be charged interest on purchases if you pay each month your entire balance (or if you have a plan outstanding, your balance adjusted for plans) by the due date. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 29.99%
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Provides Gas and Grocery Rewards
  • 0% Intro Offer
  • Welcome Bonus
Cons:
  • Limited Redemption
  • Bonus Cash Backs Capped
  • Card not Ideal for Travelling Abroad

Features

Classic
American Express
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Auto Rental Insurance
  • 24/7 Travel Assistant
  • Good Credit
  • Excellent Credit

About the issuer

American Express® has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Disclaimer: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit http://americanexpress.com to learn more.

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.

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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

Pros

Cons

Provides Gas and Grocery Rewards.Paying with the Blue Cash Everyday® Card from American Express for gas and groceries in US supermarkets attracts 3% cash back (up to $6000, then 1%), respectively. Card not Ideal for Travelling Abroad.For users traveling abroad, the Blue Cash Everyday® Card from American Express may not be a great option. It charges foreign transaction fee of 2.7%, which is higher than what most cards offer.
No Annual Fee. With the Blue Cash Everyday® Card from American Express, you don’t have to pay a fee to enjoy the card’s benefits and rewards. For shoppers, it’s an affordable choice. Bonus cash backs Capped. The 3% cash back on grocery spending is capped at $6000 annually. Many users feel the cap is too low as other cards provide more reasonable caps or no caps at all.
Welcome Bonus. AmEx gives up to $200 to new users after spending $2000 within the first six months since the account opening date. You will receive the welcome bonus back in the form of a statement credit. Limited Redemption. Statement credits can only be redeemed after earning at least $25.
0% Intro Offer. You can make purchases without having to pay interest for them up to 15 months (19.24% - 29.99% Variable after that). Balance Transfer Limited. AmEx does not allow balance transfer for new customers.

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.

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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?

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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

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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

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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.

FAQ

What is the customer service phone number for Blue Cash Everyday® Card from American Express?

You can reach out to Blue Cash Everyday® Card from American Express at 1-800-528-4800. This line provides 24/7 support regarding your card or account in general. If you are located outside the U.S., you can call 1-801-902-3100. The hearing impaired can also use the Telephone Device for the Deaf to reach the support department via 1-800-528-4800.

How to check my application status for Blue Cash Everyday® Card from American Express?

To check your card approval, visit the application status page and input your SSN and zip code, then click on ‘check application.” You will see both the current and prior applications.
To inquire about your application, you can call 1-877-239-3491.
Hanna VolkavaHanna Volkava

Financial and product expert

hv@myfin.us
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