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  1. Credit Cards
  2. Blue Cash Everyday® Card from American Express
American Express

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday Card from American Express is built for households that want straightforward cash back on common spending, especially groceries, gas, and online shopping, without paying an annual fee. It works best as an everyday card for domestic spending rather than a travel card, with its value coming from practical bonus categories and a few optional monthly credits.

Welcome Offer
You may be eligible for as high as $200 cash back
Annual Fee
$0
Rec. Credit Score
Good
Good For
Everyday household spending
How to ApplyEstimate your value

Terms Apply. For rates and fees of Blue Cash Everyday® Card from American Express, please visit the American Express website.

Blue Cash Everyday® Card from American Express

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Blue Cash Everyday® Card from American Express worth it?

This card is great for...

U.S. supermarket purchases

Gas and errand spending

U.S. online shopping

Yes, for the right spender this is an easy card to like. If a good share of your budget goes to U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, the 3% categories line up with everyday life in a way many no-annual-fee cards do not. That makes it especially useful for families, suburban commuters, and anyone who shops online regularly.

The main thing to watch is that each 3% category is capped at $6,000 per year, then drops to 1%, so heavy spenders may eventually want another card for overflow purchases. The monthly credits can add value if you already use Home Chef or eligible Disney streaming services, but they should be treated as extras, not the reason to get the card. If you want simple cash back with no annual fee and your spending matches the bonus categories, this is a strong fit. If you spend more on dining, travel, or general purchases, another card may fit better.

MaxRewards

MaxRewards Verdict

This card makes the most sense for everyday spenders who want no-annual-fee cash back in places that actually come up week to week. Its biggest limitation is that the bonus categories are capped and focused on U.S. spending, so it is less useful as a one-card solution for bigger or more varied budgets.

Welcome Offer

You may be eligible for as high as $200 cash back

after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.

Est. Value

$200

Required Spend

$2,000

Time Frame

6 Months

Est. Value

$200

Required Spend

$2,000

Time Frame

6 Months

Earning

Rewards

The rewards setup is easy to understand: you earn elevated cash back in a few high-traffic everyday categories, then 1% on everything else. The key question is whether your regular spending naturally falls into supermarkets, gas stations, and U.S. online retail purchases often enough to make those 3% rates meaningful.

CategoryRate

Supermarkets (U.S.)

3%

U.S. Gas Stations

Up to $6,000 spend per year

3%

U.S. Online Retail Purchases

3%

Everywhere

1%

Annual Credits & Perks

Benefits

Beyond rewards, the card includes a couple of monthly credits that can add real value if they match services you already pay for. They are most useful for existing Home Chef and Disney bundle subscribers, not for forcing new subscriptions just to justify the card.

BenefitAnnual value
$250
$180
$84

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
Blue Cash Everyday® Card from American Express$180 Home Chef Credit
Autotracked
$0 of $15Every month

Benefits

More Benefits

Purchase Protection

Sometimes your favorite new purchase gets stolen or accidentally damaged. But when you use your Eligible Card for Covered Purchases, your Membership can help protect them for up to 90 days from the Covered Purchase date, subject to the Coverage Limits. Up to $1,000 per Covered Purchase, up to $50,000 per calendar year.


Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.


Premium Car Rental Protection Enrollment Required

When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage. Terms apply.


Amex Special Ticket Access

Card Members can access Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$0

Purchase APR

19.49% - 28.49%

Variable

Transfer APR

19.49% - 28.49%

Variable

Cash Advance APR

28.74%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

$40

For rates and fees of Blue Cash Everyday® Card from American Express, please visit the American Express website.

Table of Contents

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

How to Apply

Terms Apply. For rates and fees of Blue Cash Everyday® Card from American Express, please visit the American Express website.

For rates and fees of Blue Cash Everyday® Card from American Express, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #4Best Groceries Credit CardsView list
  • #8Best No-Annual-Fee Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $3,000

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 5%5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 5%2%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $2,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%4%Top Two Eligible Categories
  • 5%3%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 5%1%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $1,750

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5%5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 5%5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 5%1%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.