Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% 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%.
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.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
September 6, 2022
In this review of the Blue Cash Everyday® Card, from one of our partners, American Express, we’ll highlight who this card is for, its credit score requirements, fees, and more. It should be noted that terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
(Click on a link to jump to the specific section)
Let’s get started.
The Blue Cash Everyday Card from American Express focuses on rewarding you for the everyday purchases you’re already likely to make.
With solid cash back rewards on groceries, gas, department stores in the U.S., and on other eligible purchases, this American Express card is an excellent rewards card for the everyday shopper.
If you're looking for an everyday cashback credit card with a handsome welcome offer and no annual fee, the Blue Cash Everyday from American Express is certainly worth considering.
To stand the best chances of approval, you should apply if you have a good credit score or better, which means applying with a credit score of at least 670 as your chances of approval diminish if your credit score is below that.
Also, keep in mind that applying with a high credit score will contribute to qualifying for a better credit limit. If you don’t receive the credit limit you hoped for, you can request an increase 60 days after account opening.
One of the biggest benefits of the American Express Blue Cash credit card is the $0 annual fee (See Rates and Fees). While this essentially makes the card free to own, there are a few other fees to be aware of, namely:
Next, let’s see what kind of interest you can expect to pay with this offering from AmEx.
The card comes with a generous 0% introductory purchase APR for the first 15 months of card ownership. After that, the APR for purchases will be 19.24%-29.99% Variable (See Rates and Fees).
If you need to make a cash advance, it comes with a variable APR of 29.99% (See Rates and Fees).
Note that if you make a late payment or have a payment returned, you’re subject to a variable penalty APR of 29.99% (See Rates and Fees) for at least six months.
Below, we’ll highlight some of the perks that come with the American Express Blue Cash card:
Global Assist® Hotline - You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility.
Here are some of the defining characteristics of the American Express card:
The Blue Cash Everyday Credit Card is an excellent option for people wanting to earn cash rewards on everyday purchases at no annual fee. You’ll earn Membership Rewards points rewards on many of your most frequent expenses, such as grocery purchases and gas.
Although the card includes a foreign transaction fee and the elevated earnings rate at select U.S. supermarkets is capped, an attractive introductory APR coupled with a great welcome offer make this rewards card an attractive American Express offering for anyone.
You can apply for this card here.
Rates and fees for the Amex Blue Cash Everyday Card can be found here.
Rates and fees for the American Express Blue Cash Preferred Card can be found here.