American Express Blue Cash Everyday Review

Aedam Jo Written by
American Express Blue Cash Everyday
8.88/10 MyCreditCardLab Score
American Express Blue Cash Everyday® Card Rating & Score with Credit Cards System

Objective testing of credit cards involves conducting systematic evaluations based on predefined criteria to assess their features, benefits, fees, and overall value proposition.

For more information see our credit card score explanation here.
7

Intro APR

Intro APR credit cards offer a temporary period with low to no interest rates on purchases or balance transfers. They provide a financial break before regular rates apply.

For more information see our Intro APR score explanation here.
0% intro APR for 15 months
9.5

Regular APR

The APR is the ongoing interest rate for balances on credit cards. This is after any intro or promo periods end. It affects the long-term cost of borrowing.

For more information see our Regular APR score explanation here.
19.24% - 29.99% Variable APR
10

Annual Fee

Annual fee credit cards require a yearly payment for membership. They offer enhanced rewards, benefits, and services in exchange for the fee. They cater to individuals seeking premium perks.

For more information see our Annual fee score explanation here.
$0
9.3

Welcome Bonus

Welcome bonus credit cards offer a one-time reward. This could be bonus points, cashback, or statement credits. You get the reward by meeting spending goals. You must do so within a set time after opening the account. The rewards entice new cardholders with immediate benefits.

For more information see our Welcome bonus score explanation here.
$200 if you spend $2,000 in first 6 months
8.6

Rewards

Credit card rewards programs let cardholders earn points, miles, or cashback on purchases. They can redeem these rewards for things like travel, merchandise, gift cards, or credits. This gives extra value for using the card.

For more information see our rewards programs score explanation here.
3% cash back on gas station, U.S. Online Retail Purchases and grocery store
8.7

Benefits

Credit card benefits include perks and features from card issuers. They include travel insurance, purchase protection, and extended warranties. You also get airport lounge access and concierge services. They add value and usefulness for cardholders.

For more information see our benefits score explanation here.
U.S. Online Retail Purchases, Gas station, Grocery store
9.2

Recommended Credit Score

The recommended credit score is the minimum score recommended by the card issuer. It's for potential cardholders to qualify for a specific credit card. Meeting or beating this score boosts the chance of approval. It also gives access to the card's benefits and features.

For more information see our Recommended credit score Rating explanation here.
700 - 749 (Fair - Good)
9.1

Foreign Transaction Fee

Card issuers impose foreign transaction fees. They apply to transactions in a foreign currency or with a foreign merchant. The fees are usually 1% to 3% of the transaction amount. They may apply to purchases, withdrawals, or transfers made in a foreign currency. This raises the cost of international transactions.

For more information see our foreign transaction fees score explanation here.
2.7%
9.1

Cash Advance Fee

Each time you use your credit card for a cash advance or ATM withdrawal, the bank applies a 'Cash Advance Fee'.

For example, a Cash Advance Fee of "3% (min $10)" means the fee will be 3% of the cash advance amount, with a minimum charge of $10.

For more information see our cash advance fee score explanation here.
5% (min $10)
8.3

Balance Transfer Fee

A balance transfer fee may apply when you transfer a balance from 'Credit Card A' to 'Credit Card B'.

This fee is imposed by the credit card that gets your transferred balance. In this case, that card is 'Credit Card B.' 'Credit Card A' never charges a fee.

For more information see our balance transfer fees score explanation here.
0% intro APR for 15 months
How we rating & score here.

Best for

Discover the best credit card for your needs. Are you a student, rewards enthusiast, or cash back lover? Find the perfect fit with our thorough reviews and comparisons.
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus

Considerations

Consider key factors when choosing a credit card. These include interest rates, fees, rewards programs, and more. Make an informed decision to find the right card for your financial needs.
  • Annual Fee
  • Foreign Transaction Fee
  • Sign-Up Bonus
  • Benefits (Travel Insurance, Purchase Protection, etc.)

Pros

Using a credit card has many pros. These include convenience, rewards, and building credit. They also include purchase protection and fraud security. You also get access to emergency funds and introductory offers. They help with budgeting and spending tracking. They also offer travel benefits and cash flow management. Plus, rental car insurance, extended warranties, and price protection. And online shopping security and opportunities for financial discipline.
  • $200 welcome bonus offer
  • High rewards rate
  • Introductory APR offer on purchases and balance transfers
  • Cell phone protection

Cons

Using a credit card has cons. These include potential overspending, high interest rates, and fees such as annual fees and late payment fees. It can also hurt your credit score if used irresponsibly. Using a credit card can tempt you to carry a balance and incur interest charges. It also risks identity theft and fraud. It can lead to debt and reliance on credit for financial needs. And, it has limits on rewards and benefits compared to other forms of payment.
  • $1,500 limit on 5% cash back
  • 2.7% foreign transaction fee
  • Balance transfer fee
  • Requires good - excellent credit
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See our full methodology

In This Review

Reviews Annual Fee Welcome Bonus Rewards Benefits Comparisons APR Credit Score needed FAQs
8.9

Review: American Express Blue Cash Everyday® Card

Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.

For more information see our credit card score explanation here.

At MyCreditCardLab, we put each card to the score.

We score American Express Blue Cash Everyday® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:

Credit Cards Review Rating
Intro APR Fair
Regular APR Excellent
Annual Fee Exceptional
Welcome Bonus Very Good
Rewards Very Good
Benefits Very Good
Recommended Credit Score Very Good
Foreign Transaction Fee Very Good
Cash Advance Fee Very Good
Balance Transfer Fee Good

Who can apply for American Express Blue Cash Everyday® Card?

We have categorized American Express Blue Cash Everyday® Card 4 main useful user criteria. it's applied using the MyCreditCardcLab methodology.

How is American Express Blue Cash Everyday® Card Different?

Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online U.S. retail. The 3% rate applies to up to $6,000 in each category per year in purchases. After that, the rate is 1%. You also earn 1% cash back on other eligible purchases. You can redeem Cashback as Reward Dollars. You can use them for a statement credit or eligible items at Amazon.com checkout.

Foreign Transaction Fee

The card also charges a foreign transaction fee of 2.7% of the transaction in US dollars. That charge is a problem. Rewards for American merchants are also limited. This reduces the card’s value for international use.

10

American Express Blue Cash Everyday® Card Annual Fee

Card type: Cash Back Credit Cards

Issuer Name: American Express

No annual fee

Consumers want a no-annual-fee credit card with strong rewards on gas, online shopping, and at U.S. supermarkets. The Blue Cash Everyday Card has a lot to love.

9.3

Welcome Bonus

Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months. The Blue Cash Everyday card’s welcome offer is just like what you get on most other no-annual-fee credit cards. But, its spending requirement is twice as high as on similar cards.

You get a $180 credit for Home Chef. It comes as $15 monthly statement credits.

7

APRs: American Express Blue Cash Everyday® Card

Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.

The table below shows the types of each APR brief description for the American Express Blue Cash Everyday® Card.

Type of APR Rating
Intro APR - 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers 7/10Fair
Regular APR - 19.24% - 29.99% Variable APR 9.5/10Excellent
Purchase - 19.24% - 29.99% Variable APR 9.3/10Very Good
Balance transfer - Enjoy 0% intro APR on purchases. Also, on balance transfers. It lasts for 15 months from account opening. After that, 19.24% to 29.99% variable APR. 8.3/10Good
Cash advance - 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. 9.1/10Very Good
Penalty - Up to 29.99% 9/10Very Good
8.7

American Express Blue Cash Everyday® Card Benefits

Discover the many benefits of our credit cards. They include cash back and travel perks, as well as purchase protection and fraud prevention. Explore our cards today and unlock a world of convenience and value.

Certainly! Here's a table. It shows the benefits of the American Express Blue Cash Everyday® credit card:

Benefits Score
$84 Disney Bundle Credit

Get a $7 monthly statement credit. You get it after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a Disney Bundle subscription.

Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

 8.8/10Very Good
Complimentary ShopRunner membership

Get free two-day shipping on eligible items at 100+ online stores. You can get it by enrolling in the free ShopRunner membership.

 9.2/10Very Good
Car rental insurance

When you use your card to pay for a rental and decline the collision damage waiver, you may get secondary auto coverage. This happens in an eligible place.

 9.1/10Very Good
American Express experiences

Get access to special ticket presales. You will also get invitations to events. These events are only for American Express card members.

 8.3/10Good
$180 Home Chef credit

Get up to $15 in credits per month. You get them when you pay for a Home Chef subscription with your card.

 9.5/10Excellent
8.6

American Express Blue Cash Everyday® Card Rewards

American Express Blue Cash Everyday® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:

  • 3% CASH BACK On Groceries At U.S. supermarkets, U.S. Online Retail Purchases and Gas At U.S. gas stations on up to $6,000 per year in purchases (then 1%)
  • 1% cash back on other purchases
  • Are you thinking about getting the Disney Bundle? It can include Disney+, Hulu, and ESPN+. You get $7/month back. It comes as a statement credit. But, you must spend $9.99 or more each month on an eligible subscription. The subscription must auto renew and you must use your Blue Cash Everyday® Card. Enrollment required.

How to Redeem Rewards

You earn cash back. It’s received as Rewards Dollars. You can redeem them for statement credits, gift cards, and merchandise from top retailers. You can also redeem Reward Dollars on Amazon.com. To do so, select “Pay with Points” at checkout.

American Express Blue Cash Everyday® Card Rewards Potential

Category Earning Rate Estimated Annual Spend Estimated Annual Earnings
Groceries 3% $4,000 $120
Gas 3% $4,500 $135
U.S. Online Retail Purchases 3% $1,000 $30
All other purchases 1% $8,000 $80
Total $365

The Blue Cash Everyday® Card from American Express earns 3% cash back. It applies at U.S. supermarkets, gas stations, and online retailers. This is on up to $6,000 in each category per year, then 1%. It earns 1% cash back on other purchases.

Pro Tip
The cashback you earn is stored in your account as Blue Cash Reward Dollars. You can redeem your Reward Dollars for a statement credit. There is no minimum redemption amount. You can also use them at Amazon.com checkout. Keep in mind, however, that you can’t apply this cash back toward your minimum payment due.
9.2

Recommended Credit Score

Credit Score : 700 - 749 (Fair - Good)

We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.

For more information see our FICO Recommended credit score Rating explanation here.

For those interested in the American Express Blue Cash Everyday® Card, a credit score within the 700 (Fair) to 749 (Good) range is advised. This ensures eligibility for tailored benefits and rewards aligned with your credit profile. Apply now to unlock exclusive perks and elevate your credit card experience with us.

Compare The American Express Blue Cash Everyday® Card vs. Other Popular Cards

Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.

You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
American Express Blue Cash Everyday<sup>®</sup> Card American Express Blue Cash Everyday® Card Chase Freedom Unlimited<sup>®</sup> Card Chase Freedom Unlimited® Card Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
8.9MyCreditCardLab
Score 		8.7MyCreditCardLab
Score

MyCreditCardLab Score 8.7

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
7
Regular APR
9
Rewards
9.1
Benefits
8.1
Welcome Bonus
8.7
Recommended Credit Score: 9.3
Foreign Transaction Fee: 7.7
Cash Advance Fee: 9
Balance Transfer Fee: 9.3
8.1MyCreditCardLab
Score

MyCreditCardLab Score 8.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
8.7
Rewards
5
Benefits
8.4
Welcome Bonus
5.4
Recommended Credit Score: 8.9
Foreign Transaction Fee: 8.2
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.1
ANNUAL FEE
$0 $0 $0
INTRO APR
0% intro APR for 15 months 0% intro APR for 15 months 0% for 12 months from account opening date
REGULAR APR
19.24% - 29.99% Variable APR 20.49% - 29.24% (V) APR after that 18.24%-28.99% Variable
WELCOME BONUS
$200 if you spend $2,000 in first 6 months Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! This card does not offer a welcome bonus
REWARDS
3% cash back on gas station, U.S. Online Retail Purchases and grocery store Unlimited 5% cash rewards on travel and restaurants. There is no ongoing rewards program, which limits its long-term value.
BENEFITS
U.S. Online Retail Purchases, Gas station, Grocery store Travel, Dining at restaurants Balance Transfers and Purchases
CASH ADVANCE FEE / APR
5% (min $10) / 29.99% 5% (min $10) / 29.99% 5% (min $10) / Up to 29.99%
BALANCE TRANSFER FEE
Either $5 or 3% of the amount of each transfer, whichever is greater Either $5 or 5% of the amount of each transfer, whichever is greater. Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
RECOMMENDED CREDIT SCORE
700 - 749 (Fair - Good) 690 - 850 (Fair - Exceptional) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
2.7% 3% in U.S. dollars 3%
BEST FOR
  • Cash Back Seekers
  • Gas and Groceries
  • U.S. Supermarket Spending
  • Large Welcome Bonus
  • Travelers
  • Small Business Owners
  • Everyday Spending
  • Restaurant
  • Health and Wellness
  • Small Business Owners
  • Entertainment
  • U.S. Supermarket Spending
  • Balance Transfers
More Details Compare More Details Compare

American Express Blue Cash Everyday® Card U.S. Trends

The numbers represent search interest relative to the chart's highest point. They are for the given region and time. A value of 100 is the peak popularity for the term. A value of 50 means the term is half as popular. A score of 0 indicates insufficient data for this term.

See the latest trends in U.S. American Express Blue Cash Everyday® credit card usage. They are from the past 12 months and based on Google Trends data. Learn about consumer preferences, popular card features, and new industry trends. This will help you stay ahead in the changing credit card market.

American Express Blue Cash Everyday® Card U.S. Trends by City

American Express Login

Follow these easy steps:

Step 1. Go to the Login American Express page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access American Express Login then see forgot your username and password option.

Frequently Asked Questions (FAQs)

Still have questions? Check out some of the top FAQs on the American Express Blue Cash Everyday® credit card below and get the answers you're looking for.

Does the Amex Blue Cash every day have a bonus offer for new cardholders?

Yes. New cardholders get a welcome offer: Earn a $200 credit after you spend $2,000 on your new Card in the first 6 months. Terms Apply.

What is the best benefit of the Blue Cash Everyday?

The Blue Cash Everyday lacks many extra features of other American Express cards. But, its top benefit is the cash back on U.S. online purchases and your other bonus categories. Most reward cards have bonus categories. But, they don't include these retailers.

What qualifies as a U.S. supermarket for the Blue Cash Everyday card?

Amex lists the following as eligible supermarkets. But, this is not a complete list:

1. ALDI
2. FreshDirect
3. Gelson’s
4. Hy-Vee
5. Kings Food Markets
6. Meijer
7. ShopRite
8. Smart & Final
9. Stop & Shop
10. Trader Joe's
11. Vons
12. Whole Foods
13. Winn-Dixie

However, you won’t earn boosted cash back for buying groceries from speciality stores. These include bakeries and butchers. You also won't earn it from superstores, such as Walmart. You also won't earn it at warehouse clubs, such as Costco. The same is true for convenience stores, like 7-Eleven. It is also true for meal-kit delivery services, such as Blue Apron.

About Aedam Jo

Aedam Jo is the Founder and Editor-in-Chief of MyCreditCardLab.com. Khunt has scored over 50+ Credit Cards himself. He has also written hundreds of reviews about their benefits, rewards, and fees. You may want cash-back rewards, travel perks, or low APRs. Aedam Jo Credit Card Reviews is here to guide you. We'll guide you through the complex world of credit cards clearly and confidently.

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