The Blue Cash Everyday® Card from American Express is packed full of benefits. You can earn a welcome offer to start. Then, you'll be able to earn cash back on your spending in multiple bonus categories. Terms apply. Read our full Blue Cash Everyday® Card from American Express review for all the pros and cons.
Ratings Methodology
Apply Now for Blue Cash Everyday® Card from American Express
OnAmerican Express'Secure Website.
Terms apply
Blue Cash Everyday® Card from American Express
Apply Now for Blue Cash Everyday® Card from American Express
OnAmerican Express'Secure Website.
Terms apply
Rating image, 4.50 out of 5 stars.
4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Apply Now for Blue Cash Everyday® Card from American Express
OnAmerican Express'Secure Website.
Terms apply
Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.24%-29.99% Variable
Rewards3% 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%. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
1%-3% cash back
Annual Fee
$0
Welcome OfferEarn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
If gas and groceries are big line items in your budget, don't miss this card. You won't pay an annual fee, and you can earn a generous 3% cash back at supermarkets, online retail purchases, and gas stations in the U.S., on up to $6,000 per year, per category. A 0% APR intro offer lasting 15 months and a $200 welcome bonus for a $2,000 spend inside of 6 months (terms apply) round out the perks on this Amex.
- U.S. supermarkets and online retail rewards
- U.S. gas stations cash back
- Big welcome offer
- No annual fee (see rates and fees)
- Foreign transaction fee
- High spend requirement for welcome offer
- 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%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- 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.
- Terms Apply.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
Discover it® Cash Back | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Discover will match all the cash back you’ve earned at the end of your first year.N/A | 1% - 5% CashbackEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. | Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular:17.24% - 28.24% Variable APR | |
Chase Freedom Unlimited® Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website. | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Up to $300 cash backEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash backEnjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases | Intro:0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular:20.49% - 29.24% Variable | Apply Now for Chase Freedom Unlimited® OnChase'sSecure Website. |
Chase Sapphire Preferred® Card Apply Now for Chase Sapphire Preferred® Card OnChase'sSecure Website. | Rating image, 4.50 out of 5 stars. 4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 75,000 bonus pointsEarn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchasesEnjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. | Intro:N/A Purchases: N/A Balance Transfers: N/A Regular:21.49%-28.49% Variable | Apply Now for Chase Sapphire Preferred® Card OnChase'sSecure Website. |
Full Amex Blue Cash Everyday review
This credit card is a good fit for: Shoppers who want a no annual fee card and have high spending at U.S. gas stations and U.S supermarkets.
Top perks
This American Express card packs quite a few useful features.
Cash back program
Here are the cash back rates for the Blue Cash Everyday® Card from American Express:
- 3% at U.S. supermarkets, capped at $6,000 per calendar year
- 3% for U.S. online retail purchases, capped at $6,000 per calendar year
- 3% at U.S. gas stations, capped at $6,000 per calendar year
- 1% on other purchases
- Terms apply
Overall, this is a great gas and groceries card with a solid mix of bonus categories at places most people visit frequently. You'll likely have plenty of purchases per month earning 3% back. You can redeem cash back for statement credits, and there's no minimum redemption amount.
SEE MORE: Best Gas and Groceries Cards
Welcome offer
The Blue Cash Everyday® Card from American Express has a welcome offer of $200 in statement credits after spending $2,000 in purchases in your first 6 months. Terms apply.
MORE OPTIONS: Best Sign-Up Bonus Credit Cards
No annual fee
If you're only interested in no annual fee cards, the Blue Cash Everyday® Card from American Express qualifies.
0% intro APR
The intro APR applies to purchases and balance transfers for the first 15 months, one of the longer intro APR offers from a cash back card. After, the go-to rate is 19.24%-29.99% Variable. Terms apply (see rates and fees).
SEE MORE: Best 0% APR Cards
Statement credits
The card also packs in some lucrative statement credits for popular services. These include $84 in Disney bundle credits and $180 in Home Chef credits. Here are all the details you need to know:
- Disney Bundle: Cardholders can earn $7 back monthly when spending at least $9.99 monthly on an eligible subscription to the Disney Bundle, which can include Disney+, Hulu, and ESPN+. Enrollment is required.
- Home Chef: Cardholders enrolled with Home Chef can earn up to $15 in statement credits monthly, for a total of $180 yearly.
- Terms apply.
RELATED: Read The Ascent's list of the Best American Express Credit Cards
What could be improved
There are a couple of areas that could be improved upon.
Foreign transaction fee
The card has a foreign transaction fee of 2.7% of each transaction after conversion to US dollars. (see rates and fees). This is slightly lower than the usual foreign transaction fee of 3% that other cards charge -- but it's still an extra expense when you travel. Plus, all of this card's bonus categories specify U.S. businesses. As a result, the card is only a good choice if you spend most of your time (and money) in the United States. If not, you should keep looking for other credit cards.
FOR INTERNATIONAL TRAVEL: Best No Foreign Transaction Fee Credit Cards
High spend requirement for welcome offer
While this card's $200 welcome offer is competitive, the spending requirement is on the high side. You'll need to spend $2,000 on purchases in the first 6 months. Terms apply. For most consumers, that won't be hard to do. But some cash back cards offer similar bonus amounts for lower spend requirements of $500 to $1,000.
Find the best credit card for your needs
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Suggested credit score
To get the Blue Cash Everyday® Card from American Express, we recommend you have a good credit score, which means a FICO® Score of 670 or higher. American Express can be flexible with its requirements, and there are the occasional reports of successful applicants with lower credit scores -- but if your score is low and you apply for this card, just be aware that it could result in a denial.
The Amex Blue Cash Everyday is right for you if:
For a cash back card without an annual fee, the Blue Cash Everyday® Card from American Express has quite a bit to offer. It's a card you should consider if you're looking for any of the following:
- A no annual fee cash back card.
- One of the bigger welcome bonuses in its category.
- A high cash back rate at U.S. supermarkets or for U.S. gas.
- A lengthy 0% intro APR period for purchases.
KEEP LOOKING: Expert Credit Card Reviews
Our Credit Card Methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
The credit limit for the Blue Cash Everyday® Card from American Express normally ranges from $1,000 to $15,000 or more. It varies based on a variety of factors, including your annual income and credit history.
It's usually not hard to get the Blue Cash Everyday® Card from American Express if you have good credit. While American Express looks at your entire financial profile, applicants should aim for a FICO® Score of 670 or above.
Yes, you can have two of the Blue Cash Everyday® Card from American Express. However, you won't be eligible for a welcome bonus on the second card.
Our Credit Cards Experts
By:Lyle Daly
Writer
Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.
Fact CheckedNathan Alderman
Fact checker
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
