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Eligibility is limited for the Amex Offers discussed in this post. Enrollment is required in the Amex Offers section of your account before redeeming.
If you're looking for a solid cash-back credit card option for everyday spending categories like gas and groceries without paying an annual fee, the Blue Cash Everyday® Card from American Express is worth exploring (Rates & Fees).
The Blue Cash Everyday can also be a useful option for students or others who are just beginning to build their credit history. It provides 3% cash back in useful bonus categories and has no minimum redemption amount. It also offers monthly statement credits (enrollment required) for select streaming purchases and meal kit plans.
Here's our review of the Blue Cash Everyday to help you make an informed decision on whether this card is right for you.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back 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, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Page Contents
- American Express Blue Cash Everyday Pros
- American Express Blue Cash Everyday Cons
- American Express Blue Cash Everyday Welcome Offer
- American Express Blue Cash Everyday Benefits
- American Express Blue Cash Everyday Earning Rates
- Redeeming Rewards From the American Express Blue Cash Everyday
- Application Restrictions
- Cards That Compete With the American Express Blue Cash Everyday
- Bottom Line
American Express Blue Cash Everyday Pros
- $0 annual fee.
- Several 3% cash-back earning categories provide valuable rewards.
- No minimum redemption amount for cashback rewards.
American Express Blue Cash Everyday Cons
- 3% cash-back earnings are all capped at $6,000 of expenses annually, so you'll only earn 1% on all purchases after that.
- Available monthly statement credits don't cover the full cost of associated services.
- Foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. (Rates & Fees).
American Express Blue Cash Everyday Welcome Offer
The no-annual-fee Blue Cash Everyday (Rates & Fees) offers a competitive welcome offer. Earn $200 back in statement credits after you spend $2,000 in purchases on your new Card within the first 6 months.
One way to view this offer is that you are getting an extra 10% return on the first $2,000 you spend during the introductory period.
Related: American Express Card Offer History: Best-Ever Offers and When You Should Apply
Introductory APR and balance transfer offer
The card also has an introductory APR offer of 0% on purchases for 15 months and 0% on balance transfers for 15 months. After the introductory period, you'll pay a Variable APR of 20.24% - 29.24%. There is a balance transfer fee to note: Either $5 or 3% of the amount of each transfer, whichever is greater. (Rates & Fees)
The 0% APR offers added flexibility when making larger purchases or paying down debt from another credit card.
Related: The Best 0% APR Intro Balance Transfer Offers With No Annual Fee
American Express Blue Cash Everyday Benefits
For a no-annual-fee card, the Blue Cash Everyday offers some valuable perks.
Enrollment is required for select Amex benefits.
$84 Disney Bundle credit
Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday Card to spend $9.99 or more each month on a subscription to the Disney Bundle (Disney+, Hulu, and ESPN+).
While it doesn't cover the entire cost of the Disney bundle, it significantly reduces what you're spending on it every month.
$180 Home Chef credit
Get up to $15 in statement credits monthly when you enroll your card and purchase a Home Chef food delivery subscription with your Blue Cash Everyday Card, worth up to $180 in statement credits annually.
Amex Offers
With your card, you'll also have access to Amex Offers. These targeted offers, which can be quite lucrative, provide extra cash back on purchases at eligible merchants after activating the offers and using your enrolled card.
American Express Blue Cash Everyday Earning Rates
The Blue Cash Everyday offers solid earning rates. They are as follows:
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Exclusions
American Express’ definition of U.S. supermarkets excludes wholesale clubs such as Costco and Sam’s Club, superstores like Target and Walmart, specialty food stores, and others. For the gas category, warehouse clubs, superstores, and supermarkets that sell gas don’t count. Here is a list of examples of qualifying stations.
Paying for services online doesn’t count toward the online retail category, and neither will travel bookings. According to American Express, “services” means purchases of physical goods that will be picked up or delivered to you. It also does not include purchases made in person with a mobile wallet.
Redeeming Rewards From the American Express Blue Cash Everyday
Cashback earned from the Blue Cash Everyday is denominated as Reward Dollars. You can redeem your rewards as a statement credit or at Amazon.com checkout.
And the earnings are pretty straightforward; one Reward Dollar earned on this card is worth $1 in bringing down the balance on your credit card or towards Amazon purchases, with no minimum amount required for redemption.
Your Reward Dollars never expire as long as your account is open.
Application Restrictions
The Blue Cash Everyday is issued by American Express, which has several application rules you should understand before applying for any Amex card. First, Amex has a “once-per-lifetime” rule for card welcome offers. You'll see the following terms on the application page:
“You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Cash Magnet® Card, the Blue Cash Preferred® Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of these Cards. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors.”
Therefore, if you have or previously held one of these cards, you're likely ineligible for this card's welcome bonus and introductory APR offers.
Thankfully, during the application process, you will get a pop-up message informing you if you're ineligible for the welcome offer. If you get this pop-up message, you can either proceed with the application or discard your application. Luckily, no ding will appear on your credit report if you decide to stop the application at this point.
American Express allows you to hold up to five personal or business credit cards simultaneously. Also, you can't get approved for more than two American Express cards in 90 days.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the American Express Blue Cash Everyday
For the sake of comparison, or if you feel the American Express Blue Cash Everyday isn't right for you, then consider these alternatives as you evaluate your overall credit card strategy:
- If you want higher earning rates for a modest annual fee, consider the Blue Cash Preferred® Card from American Express. It has no annual fee for the first year, then a $95 annual fee (Rates & Fees). It earns 6% cash back on select U.S. streaming subscriptions, plus 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% at U.S. gas stations, and 3% on transit, including taxis/rideshare, parking, tolls, trains, buses and more. Cash Back is received as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. See our full Blue Cash Preferred Card review for more information.
- If you want 3x transferable points on gas and groceries, the Citi Strata Premier℠ Card might be for you. It charges a $95 annual fee but has unlimited 3x earnings in multiple categories. Instead of cashback, you can use these points with 21 airline and hotel partners, as well as redeem them as a statement credit or in Citi's travel portal. Our Citi Strata Premier review has additional details.
- If you want a simple approach to cash back with no annual fee, look into the Citi Double Cash® Card. You'll earn 2% cash back on all purchases, awarded as 1% when you buy plus 1% as you pay. This cashback technically comes in the form of points that you can use with a few transfer partners or combine with rewards from other Citi credit cards, if you have any, to gain additional redemption options. Further details are found in our Citi Double Cash Card review.
(Terms apply)
- 6% Cash Back on select U.S. streaming subscriptions
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 10X points per $1 on hotels, car rentals, and attractions booked through CitiTravel.com
- 3X points per $1 spent on airfare, and other hotel purchases
- 3X points per $1 spent at gas and EV charging stations
- 3X points per $1 spent on dining at restaurants, including cafes, bars and lounges
- 3X points per $1 spent at supermarkets
- 1X points per $1 spent on all other purchases
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
Bottom Line
For smaller spenders or those who spend only modest amounts in these bonus categories, the Blue Cash Everyday from American Express offers a simple, no-annual-fee option (Rates & Fees) to maximize those purchases.
This card can also be a solid tool for those just starting on their credit card journey who want to build credit towards the bigger rewards-earning cards.
For those spending more than the $6,000 annual limit in the bonus categories, such as larger families, other cards may provide better earnings annually. Be sure to run the numbers and see which card will work best for you.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24% to 29.24% variable APR.
- 3% Cash Back 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, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- Rates & Fees
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (on up to $6,000 per year, then 1%)
- 3% cash back with U.S. online retailers (on up to $6,000 per year, then 1%)
- 1% back on other purchases
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
For rates and fees of the cards mentioned in this post, please visit the following links: Blue Cash Everyday® Card from American Express (Rates & Fees), and Blue Cash Preferred® Card from American Express (Rates & Fees)
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