American Express Blue Cash Everyday® Card
- Best for: Everyday spenders who want bonus cash back on groceries, gas, and online shopping without an annual fee
- Rewards: 3% at U.S. supermarkets and on U.S. online retail purchases, each on the first $6,000 a year, then 1%; 1% on other purchases
- Gas: 3% at U.S. gas stations on the first $6,000 a year, then 1%
- Cost: $0 annual fee; 19.74% to 28.74% variable APR after the intro period; 2.7% foreign transaction fee
- Welcome Offer: Up to $200 back after $2,000 in purchases in the first 6 months; amount varies by applicant
- Intro APR: 0% for 15 months on purchases and balance transfers
- Features: Up to $7 a month in Disney+, Hulu, or ESPN streaming credits with enrollment; purchase protection; cash back usable at Amazon.com checkout
- Pros: No annual fee; separate $6,000 cap per category; no minimum to redeem
- Cons: 1% outside the bonus categories; 2.7% foreign transaction fee; balance transfers only in the first 60 days
Get the American Express Blue Cash Everyday® Card if you want bonus cash back on groceries, gas, and online shopping without paying an annual fee. It pays 3% in each of those categories at U.S. merchants, on the first $6,000 a year apiece. If your grocery bill tops about $3,200 a year, compare the Blue Cash Preferred first.
It’s American Express’s no-annual-fee cash back card, and it fits a household that spends steadily, but not heavily, in those three categories. They stay the same all year, so you never have to sign up for new bonus categories the way some cards require each quarter.
Key Features
- No annual fee
- 3% back at U.S. supermarkets, at U.S. gas stations, and on U.S. online retail purchases, on the first $6,000 a year in each, then 1%
- Welcome offer of up to $200 back after you spend $2,000 in your first six months
- 0% intro APR (annual percentage rate) for 15 months on purchases and balance transfers, then a variable 19.74% to 28.74%
- Up to $7 a month, or $84 a year, in statement credits for Disney+, Hulu, or ESPN streaming subscriptions bought on their U.S. websites, with enrollment
Pros
- A separate $6,000 cap for each category, worth up to $180 a year apiece at 3%
- Cash back you can redeem in any amount, as a statement credit or at Amazon.com checkout
- Your approval decision and offer amount, with no credit score impact unless you accept the card
- Purchase protection against theft or accidental damage for 90 days, up to $1,000 per item
Cons
- Only 1% outside the three bonus categories, or in any of them past $6,000 a year
- A 2.7% foreign transaction fee
- Balance transfers carry a fee and must be requested in your first 60 days
- A welcome offer that varies, and you may not qualify for one
Open it if you want bonus cash back on everyday spending without paying a fee and your household spends less than about $3,200 a year at U.S. supermarkets. Past that, the Blue Cash Preferred‘s 6% grocery rate, twice this card’s 3%, earns enough extra to cover the $95 annual fee it charges from its second year, though it pays just 1% on online shopping.
Learn more about the American Express Blue Cash Everyday® Card or see how it compares to the best cash back credit cards.
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