If you’re looking for a credit card that offers cash-back rewards without charging an annual fee, the Blue Cash Everyday® Card from American Express may be an excellent choice.
It offers 3% cash back at U.S. supermarkets, gas stations, and online retail purchases, making it an attractive option for those looking to maximize savings on everyday expenses.
Blue Cash Everyday® Card from American Express: Overview
- Annual Fee: $0
- Rewards Rate: 1%-3% cash back
- Welcome Offer: $200 cashback after spending $2,000 in the first 6 months
- Intro APR: 0% for 15 months on purchases and balance transfers
- Regular APR: 18.24%-29.24% (variable)
- Recommended Credit Score: 690-850 (good to excellent)
$0
1%-3%
$200
690-850 (Good – Excellent)
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Product Details
- Earn $200 statement credit after spending $2,000 in first 6 months
- No annual fee on the card
- 0% intro APR on purchases and balance transfers for 15 months from account opening, then variable APR of 19.24% to 29.99%
- 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases, then 1%
- 3% Cash Back on U.S. online retail purchases, up to $6,000 per year, then 1%
- 3% Cash Back at U.S. gas stations, up to $6,000 per year, then 1%
- Cash Back received as Reward Dollars, redeemable as statement credit or at Amazon.com checkout
- $7/month back as a statement credit after spending $9.99 or more monthly on an eligible Disney Bundle subscription, subject to auto renewal, with Blue Cash Everyday Card. Enrollment required.
- Up to $15 back per month when purchasing a Home Chef meal kit subscription, subject to auto renewal, with enrolled Blue Cash Everyday Card
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Our Take
Pros:
- $200 credit after $2,000 spend in 6 months
- 0% APR for 15 months, 19.24%-29.99% after
- 3% Cash Back on supermarkets, gas, online up to $6,000/yr
- $7/month back on Disney Bundle subscription
- $15/month back on Home Chef subscription
Cons:- Rewards cap at $6,000/year in key categories
- Variable APR after 15 months: 19.24%-29.99%
Key Benefits
Cash Back at Supermarkets
If a significant portion of your budget goes toward groceries, this card could be an excellent choice. You earn 3% cash back at U.S. supermarkets, up to $6,000 per year. After reaching this limit, the cash-back rate drops to 1%.
Keep in mind that this category excludes purchases at wholesale clubs (such as Costco and Sam’s Club) and major retailers like Walmart and Target.
Cash Back at Gas Stations
With fluctuating fuel prices, having a credit card that offers 3% cash back at U.S. gas stations can be advantageous. As with supermarkets, this rate applies up to $6,000 per year, after which it drops to 1%.
Gas purchases made at supermarkets, warehouse clubs, and superstores do not qualify for this category.
Cash Back on Online Retail Purchases
For those who frequently shop online, the card also offers 3% cash back at U.S. online retailers, up to $6,000 per year.
However, service purchases (such as airline tickets, hotel bookings, and food delivery orders) do not count toward this category.
Credit Offers
The Blue Cash Everyday® Card includes credits for two popular subscriptions:
- $180 credit for Home Chef: Receive a $15 monthly statement credit for a Home Chef subscription.
- $84 credit for The Disney Bundle: Receive a $7 monthly statement credit for Disney+, Hulu, and ESPN+.
Comparison with Other Cards
The Blue Cash Everyday® Card competes directly with other popular cash-back cards. Here’s how it compares:
| Card | Annual Fee | Cash Back | Intro APR | Regular APR |
|---|---|---|---|---|
| Blue Cash Everyday® Card | $0 | 3% (supermarkets, gas, online retail up to $6,000/year), 1% on other purchases | 0% for 15 months | 18.24%-29.24% |
| Citi Double Cash® Card | $0 | 2% on all purchases | 0% for 18 months (balance transfers) | 18.24%-28.24% |
| Discover it® Cash Back | $0 | 5% on rotating bonus categories, 1% on other purchases | 0% for 15 months | 18.24%-27.24% |
If you prefer a simple flat-rate cashback approach, the Citi Double Cash® Card might be a better option. On the other hand, if you’re willing to track rotating categories, the Discover it® Cash Back could earn you up to 5% in select spending areas.
APPLY NOWFrequently Asked Questions (FAQ)
Who should consider the Blue Cash Everyday® Card?
This card is ideal for individuals who spend heavily on groceries, gas, and online shopping and want to avoid paying annual fees.
Can cash back be redeemed in ways other than statement credits?
No. Cashback is credited as Reward Dollars, which can only be redeemed as a statement credit.
Which purchases do not qualify for 3% cash back?
The following purchases do not qualify for 3% cashback:
- Purchases at warehouse clubs (Costco, Sam’s Club, etc.).
- Gas bought at supermarkets or wholesale clubs.
- Online service purchases (airline tickets, hotel bookings, food delivery).
Is there a spending cap on the 3% cashback categories?
Yes, the 3% cashback applies only to the first $6,000 per year in each of the three categories. After that, the cashback rate drops to 1%.
How does the welcome offer work?
You receive a $200 cashback bonus after spending $2,000 in the first 6 months. The amount will be credited as a statement credit.
Does the card charge foreign transaction fees?
Yes, there is a 2.7% foreign transaction fee on international purchases. If you travel frequently, a card with no foreign transaction fees may be a better option.
Does the card offer purchase protection?
Yes, purchases made with the card may be covered by damage and theft protection, depending on American Express’ terms.
How can I maximize my earnings with this card?
- Use the card for supermarket, gas, and online retail purchases up to the $6,000 per year cap in each category.
- Take advantage of the monthly Home Chef and Disney Bundle credits.
- Pair it with a flat-rate cashback card (like Citi Double Cash) for non-category spending.
Is the Blue Cash Everyday® Card Worth It?
If you’re looking for a no-annual-fee credit card that offers great cash-back rewards on essential purchases, the Blue Cash Everyday® Card from American Express is an excellent option. With 3% cashback at supermarkets, gas stations, and online retailers (up to $6,000 per year per category), this card provides solid value for everyday spenders.
However, if you spend significantly on groceries, you might want to consider the Blue Cash Preferred® Card, which offers 6% cashback at supermarkets but comes with an annual fee. If you prefer a fixed cashback rate with no category restrictions, a card like the Citi Double Cash® Card may be a better fit.
Overall, for those looking for a solid cash-back card with no annual fee, the Blue Cash Everyday® Card from American Express is a top contender.
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