Blue Cash Everyday® Card from American Express Review and Details

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.

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Who is the American Express Blue Cash Everyday Card for?
Blue Cash Everyday Card Credit Score Requirements
Blue Cash Everyday Card Fees
Blue Cash Everyday Card APR
Blue Cash Everyday Card Benefits
Key Characteristics of the American Express Blue Cash Everyday Card
Alternatives to the Blue Cash Everyday Card

Let’s get started.

Who is the American Express Blue Cash Everyday Card for?

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.

Blue Cash Everyday Card Credit Score Requirements

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.

Blue Cash Everyday Card Fees

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:

A cash advance fee of $10 or 5% of the amount of each cash advance, whichever is greater. (See Rates and Fees)
A foreign transaction fee of 2.7% of each transaction in U.S. dollars. (See Rates and Fees)
Both late payments and returned payments incur a penalty fee of up to $40. (See Rates and Fees)

Next, let’s see what kind of interest you can expect to pay with this offering from AmEx.

American Express Blue Cash Everyday Card APR

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.

American Express Blue Cash Everyday Card Benefits

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.
- Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
- Please visit americanexpress.com/benefitsguide for more details.
- Card Members are responsible for the costs charged by third-party service providers.
American Express Experiences - You will receive exclusive access to ticket presales and card member only events with your card. This can range from Broadway shows and concert tours to family and sporting events and more.
Fraud Protection - You won’t be liable for any fraudulent transactions on your credit card. If you suspect any unauthorized purchases, simply call the number on the back of the card, and American Express will take care of it with no deductibles.
Pay It Plan It^® - With American Express’ Pay It program, you can pay off purchases by making payments of less than $100 throughout the month. With Plan It, you can pay off large purchases of $100 or more by setting up payment plans for each of them. Users can have up to 10 plans active each month for a nominal 'plan fee' which is completely waived for the first 15 months of card membership (See Rates and Fees).

Cardholders will need to pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors
American Express Send & Split^™ - With American Express Send & Split, you can send money and split purchases with any Venmo or PayPal user directly from your American Express mobile app.

Key Characteristics of the American Express Blue Cash Everyday Card

Here are some of the defining characteristics of the American Express card:

Generous welcome offer - American Express offers new cardmembers opportunities to earn appealing cashback rewards. Earn $200 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.
Excellent cashback rates - As part of your card membership, the Blue Cash Everyday card offers a fantastic 3% cashback on purchases at eligible U.S. supermarkets. However, it’s important to note here that this bonus cash rewards rate does have a limit. Once you've hit $6,000 in annual spending, this rate drops to 1%.

As a card member, you’ll also benefit from 3% cash back at eligible U.S. gas stations on up to $6,000 per year, then 1%.

Finally, you’ll earn 1% cash back on other eligible purchases.
No annual fee - The American Express Everyday card has no annual fee, making it a particularly good credit card for anyone already making everyday purchases in these bonus categories.
Multiple redemption options - Each eligible purchase earns you cashback in the form of Blue Cash Reward Dollars. You can redeem Reward Dollars as long as you have at least 25 available in your balance, you can redeem them for a statement credit at the rate of 1.00 Reward Dollar to $1.00. Alternatively, you can exchange your rewards dollars for a gift card from various merchants, including Best Buy, Home Depot, Victoria’s Secret, and more.
Foreign transaction fee - This American Express card includes a 2.7% transaction fee. Although the card isn’t necessarily targeting frequent travelers with the Blue Cash card, some may still find the addition of a foreign transaction fee to be a disadvantage.

If you’re looking for a card that offers many of the same benefits, the Blue Cash Preferred^® card could be appealing.

Although it's pricier, the Preferred card offers improved cashback rates at supermarkets and transit purchases and no fees on your international purchases.

Alternatives to the Blue Cash Everyday Card

Wrapping Up

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.