If you’re looking for a way to earn cash back on your everyday spending without the burden of an annual fee, the Blue Cash Everyday® Card from American Express is an excellent option.
With generous rewards on groceries, gas, and online shopping, this card helps you save money on the purchases you make most frequently.
Limit card options
*Choose the credit limit you want on your credit card and see the available options:
CARDS: LIMIT OF UP TO $1,000 CARDS: LIMIT OF UP TO $3,000 CARDS: LIMIT ABOVE TO $8,000
$0
1%-3%
$200
690-850 (Good – Excellent)
Why Consider the Blue Cash Everyday® Card?
This card is designed for individuals and families who want to maximize their rewards on essential purchases. With its no annual fee, generous cash-back rewards, and a valuable welcome offer, it stands out as one of the best everyday spending credit cards available.
Key Benefits:
- Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases (up to $6,000 per category annually, then 1%).
- 1% cash back on all other purchases with no spending limits.
- $200 welcome bonus after spending $2,000 within the first six months.
- 0% introductory APR for 15 months on purchases and balance transfers.
- No annual fee, so you can enjoy rewards without extra costs.
How to Earn and Redeem Rewards
Earning Cash Back:
- 3% back on groceries at U.S. supermarkets, helping you save on household essentials.
- 3% back on gas at U.S. gas stations, keeping your fuel costs in check.
- 3% back on U.S. online retail purchases, ideal for frequent online shoppers.
- 1% back on all other purchases, ensuring you earn cash back on everything you buy.
Redeeming Your Rewards:
- Your cash back is issued as statement credits, making it easy to reduce your balance.
- There are no minimum redemption amounts, so you can use your rewards as soon as you earn them.
- Enjoy flexibility with American Express’ redemption options, including shopping credits and direct deposits.
Introductory APR and Fees
- 0% intro APR on purchases and balance transfers for 15 months.
- After the intro period, a variable APR of 19.24% to 29.99% applies.
- No annual fee, so you can maximize savings while earning rewards.
Who Should Get the Blue Cash Everyday® Card?
This card is a great choice for:
- Families and individuals who spend heavily on groceries and gas.
- Online shoppers looking for extra rewards on digital purchases.
- Budget-conscious consumers who want rewards without an annual fee.
- Anyone looking for an introductory APR offer to finance large purchases or consolidate debt.
If you fit into any of these categories, this card could be a perfect addition to your wallet.
Additional Perks and Features
- American Express Preferred Rewards program allows additional earning opportunities.
- No foreign transaction fees, making it a great option for occasional international purchases.
- Fraud protection and account alerts to keep your finances secure.
- Exclusive American Express offers and deals for dining, shopping, and entertainment.
Frequently Asked Questions
1. Does the Blue Cash Everyday® Card have an annual fee?
No, the card has no annual fee, making it a budget-friendly option for maximizing cash-back rewards.
2. How much can I earn in cash back?
You earn 3% cash back on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, up to $6,000 per category annually. After that, purchases earn 1% cash back.
3. What is the welcome bonus for this card?
New cardholders receive a $200 statement credit after spending $2,000 in the first six months.
4. What is the introductory APR offer?
The card offers 0% intro APR for 15 months on purchases and balance transfers. After the intro period, the APR ranges from 19.24% to 29.99% variable.
5. How do I redeem my cash back?
Your cash back is issued as statement credits, helping you lower your balance.
6. Can I use this card internationally?
Yes, you can use this card abroad, but keep in mind that foreign transaction fees may apply.
7. What credit score is needed to qualify for this card?
Applicants typically need a good to excellent credit score (690+) to be approved for this card.
8. Can I add authorized users to this card?
Yes, you can add authorized users to your account, allowing family members to make purchases while you still earn rewards.
9. Does this card offer purchase protection?
Yes, American Express provides purchase protection on eligible purchases, covering accidental damage or theft for up to 90 days.
10. What happens if I exceed the spending cap for 3% categories?
Once you reach the $6,000 limit per category, your cash back rate will drop to 1% for that category for the remainder of the year.
11. How does this card compare to the Blue Cash Preferred® Card?
The Blue Cash Preferred® Card offers higher cash back rates but comes with an annual fee. If you prefer a no-fee option, the Blue Cash Everyday® Card is a better choice.
A Great Everyday Cash Back Card
The Blue Cash Everyday® Card from American Express is a top-tier cash-back card for everyday expenses. With no annual fee, valuable cash-back rewards, and a generous welcome bonus, it’s a fantastic way to save money on groceries, gas, and online shopping.
If you’re looking for a simple, rewarding, and cost-effective way to earn cash back, this card is a must-have. The 0% intro APR for 15 months adds an extra layer of financial flexibility, making it a great choice for larger purchases or balance transfers.
Additionally, its purchase protection, fraud monitoring, and American Express exclusive offers make it a standout option for responsible credit users. Whether you’re a frequent grocery shopper, commuter, or online shopper, the Blue Cash Everyday® Card is designed to help you save on your everyday expenses.
Don’t miss out on the chance to earn rewards on your daily purchases.
