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.
All information about Blue Cash Everyday® has been collected independently by MaxRewards. Blue Cash Everyday® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
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.
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
after you spend $2,000 on purchases on your new card in your first 6 months of card membership.
Est. Value
$200
Required Spend
$2,000
Time Frame
6 Months
Est. Value
$200
Required Spend
$2,000
Time Frame
6 Months
Earning
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.
Gas
Up to $6,000 spend per year
Grocery
Up to $6,000 spend per year
Online Shopping
Up to $6,000 spend per year
Everywhere
Annual Credits & Perks
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.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
$180 Home Chef CreditBenefits
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
Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. 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
Excellent 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
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
$0.027
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
250,000 Points
Worth $3,750
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
