Blue Cash Everyday® Card from American Express Review

Jacqueline DeMarco

Writer

If you are on the hunt for a credit card with no annual fee, consider Blue Cash Everyday® Card from American Express (rates and fees). While the Blue Cash Everyday® Card from American Express lacks some of the flashier perks that come with credit cards with pricey annual fees, you can still earn rewards and enjoy a lot of great cardholder benefits.

blue cash everyday

Blue Cash Everyday® Card from American Express quick facts

Ready to get to know what the Blue Cash Everyday® Card from American Express is all about? Here are the must-know card details you should be aware of.

  • Welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first six months
  • Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retailers up to $6,000 in purchases per calendar year in each category, and 1% on all other purchases
  • Annual fee: $0
  • Insurance and protections: secondary rental car insurance, Global Assist® Hotline

Pros and cons of Blue Cash Everyday® Card from American Express

Credit card rewards and perks can be very exciting, but you want to pay close attention to both the pros and cons associated with the Blue Cash Everyday® Card from American Express before applying.

Pros

  • Attainable welcome offer: Earn a $200 statement credit after spending $2,000 on purchases in the first six months
  • No annual fee
  • Decent rewards in common categories such as supermarkets and gas stations.

Cons

  • Bonus categories are limited to $6,000 in spending per year each.
  • Bonus rewards are only earned on spending in the U.S.

Overview of Blue Cash Everyday® Card from American Express

Discover the Blue Cash Everyday® Card for credit relief, ongoing cash back, and valuable perks on everyday spending. 

American Express offers several features to help you manage your balances, such as Plan it®, which lets you break larger purchases into fixed installments. And Pay it®, which lets you quickly pay off small purchases so they don't add to your balance.

It also offers Send & Split, which allows you to send money to friends or request money from friends that will be applied directly to your card. This makes splitting a tab with friends easy to do right on your Amex card. Enrollment required.

If you think the Blue Cash Everyday® Card from American Express may be right for you, you can apply for preapproval and not harm your credit score. While this is not a guarantee that you’ll be approved, the preapproval process can give you a good idea of whether or not you’re likely to be. Then, when you’re ready to apply officially, you can receive a decision in as little as 30 seconds.

Welcome offer

To make the most of your new card, don’t forget about the welcome offer.

You can earn $200 back in the form of a statement credit after spending $2,000 in the first six months of being a cardholder. This is fairly attainable as a welcome offer given the long lead time to meet the spending requirement. Don’t let the welcome bonus entice you into overspending. it’s just a nice perk if you happen to spend enough to earn it. 

Earning rewards

One of the perks of the Blue Cash Everyday® Card from American Express is that many different types of purchases can help you earn rewards. On the downside, there are some limitations on how many rewards you can earn and where you can earn them. 

  • 3% cash back at U.S. supermarket purchases, up to $6,000 in spending per year
  • 3% cash back at U.S. gas stations, up to $6,000 in spending per year
  • 3% cash back at U.S. online retailers, up to $6,000 in spending per year
  • 1% cash back on all other spending

What's great about these rewards is that the bonus categories are likely areas where you are already spending a lot of money. This makes it easy to maximize the bonus cash back.

Related: How to maximize credit card rewards?

Card benefits 

Many credit cards give frequent flyers a major boost. What we love about the Blue Cash Everyday® Card from American Express is that it offers impressive non-travel-related perks. There are a few benefits that come in handy when you are away from home, but many will lend you a helping hand in your everyday life. 

Pay it®

This feature allows you to quickly pay off a purchase of less than $100. Simply go to the app and select the purchase you'd like to pay for then follow the prompts. This is great when you want to earn cash back on your lunch, but don't want to add to your credit card balance.

Plan it®

This feature allows you to break charges that are over $100 into fixed monthly installments. You won't pay interest on that balance but there is a fee for using the service. So you'll want to compare the fee against the interest you would have paid otherwise. But this can be a great way to finance larger purchases.

Send & Split®

Once you enroll, Send & Split lets you send or request money from any Venmo or PayPal user. You can send money directly from your Amex card to a friend. It also lets you request repayment on any charge to your card and when you receive the funds it is applied to your balance.

$84 Disney bundle credit

If you use your Blue Cash Everyday® Card from American Express to subscribe to the Disney Bundle and spend more than $9.99 per month, you can get a $7 monthly statement credit (subject to auto-renewal). 

$180 Home Chef Credit

You can receive up to $15 in statement credits every month when you use your card to buy a Home Chef subscription (enrollment required, subject to auto-renewal, available in contiguous U.S. only).

American Express Experiences

Don’t want to miss your chance to book the best concert tickets? Your card will make you eligible for exclusive ticket presale and member-only events such as concerts and sporting events. 

Global Assist® Hotline

If you need help when traveling more than 100 miles from home, this 24/7 emergency assistance hotline can help with coordination services dealing with missing luggage, emergency cash wires, and legal referrals.

Dispute resolution assistance

Don’t stress about fraudulent or mistake charges, American Express can help you work through the issue. 

Excited woman holder laptop and credit card with rewards. Blue Cash Everyday® Card from American Express Review

Who should get the Blue Cash Everyday® Card from American Express?

If you have no desire to pay an annual fee for a credit card but still want to earn significant rewards on everyday spending, then the Blue Cash Everyday® Card from American Express could be the credit card you are looking for.

With this card, you can earn a decent amount of rewards and access some fairly standard cardholder perks (like global assistance and exclusive experiences). As well as some more valuable benefits like Disney and Home Chef credits. 

Because you won’t need to worry about earning enough rewards to cancel out the cost of the annual fee, you don’t have to stress too much about whether or not this card is “worth it”. Especially if the cardholder perks appeal to you.

Who shouldn’t get the Blue Cash Everyday® Card from American Express?

If you are always plotting your next great escape, you are much better off going with a travel credit card than a cash-back credit card like the Blue Cash Everyday® Card from American Express. The best travel credit cards come with annual fees (and really good perks to match). However, there are many no-annual-fee travel credit cards on the market that more heavily reward you for airline or hotel bookings.

Some travel credit cards even come with perks like TSA PreCheck or free airport lounge access that make your travel days so much easier. 

You should also not get the Blue Cash Everyday® Card from American Express if there is another $0 annual fee cash-back credit card on the market. Purchases like gas, groceries, subscription services, dining out, and even cell phone bills, can all earn you a different amount of rewards with various credit cards.

Alternatives to Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express vs. Capital One SavorOne Cash Rewards Credit Card

Which cash-back credit card is right for you depends heavily on how you tend to spend your money. For example, you can earn an impressive 8% cash back on Capital One Entertainment purchases with the Capital One SavorOne Cash Rewards Credit Card.

You can also earn 5% cash back on rental cars and hotels that you book through Capital One Travel. 3% cash back on dining, entertainment, popular streaming subscriptions, and grocery store purchases (excluding superstores like Target and Walmart). Earn 1% cash back on all other purchases.

The Blue Cash Everyday® Card from American Express has fewer rewards categories, but that may not matter to you. You may prefer to take advantage of the Disney and Home Chef credits that bring good food and entertainment right into your home. Neither card charges an annual fee, so the goal here is to simply choose the one that you will benefit from having the most. 

Get started with the Capital One SavorOne Cash Rewards Credit Card.

Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express

If you are open to paying an annual fee, the Blue Cash Preferred® Card from American Express only charges $95 and waives the fee for the first year (rates and fees). You stand to earn a lot more rewards by paying that annual fee. 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select U.S. streaming subscriptions. 3% at U.S. gas stations and on transit and 1% on other eligible purchases. 

Crunch the numbers to see if you will earn enough in rewards to cancel out the cost of the $95 annual fee. This card comes with a lot of the same cardholder benefits and perks— like the monthly Disney credit. However, one card may net you more rewards in the end. 

Get started with the Blue Cash Preferred® Card from American Express.

Blue Cash Everyday® Card from American Express vs. Citi Double Cash® Card

Another alternative to the Blue Cash Everyday® Card from American Express that doesn’t charge an annual fee is the Citi Double Cash Card. With this card, you earn a simple 2% cash back on all purchases. 1% when you make a purchase and another 1% when you pay it off. So you don’t have to think about what types of purchases to make with this credit card. Plus, you’ll have another incentive to pay off your balance on time and in full. 

Take a close look back at your recent purchases to get a sense of which credit card you are likely to earn more rewards with.

Get started with the Citi Double Cash Card.

Blue Cash Everyday Card® from American ExpressCapital One SavorOne Rewards Credit CardBlue Cash Preferred Card® from American ExpressCiti Double Cash Card
Welcome Bonus$200 statement credit after $2,000 spent in the first 6 months$200 if you spend $500 on purchases in the first three months from account opening. $250 statement credit after $3,000 spent in the first 6 monthsNone
Annual Fee$0$0$0 intro annual fee first year, then $95 $0
Bonus Rewards– 3% cash back at U.S. supermarkets (up to $6,000 per year in each category, then 1%)

– 3% cash back at U.S. gas stations (up to $6,000 per year in each category, then 1%)

– 3% cash back on online retail purchases (up to $6,000 per year in each category, then 1%)

– 1% cash back on all other purchases
3% cash back on dining, entertainment, grocery stores, and eligible streaming services.

1% cash back on all other purchases.
– 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)

– 6% cash back on select U.S. streaming services

– 3% cash back on transit services (including taxis, rideshare, parking, tolls, trains, buses, etc.)

– 3% cash back at U.S. gas stations

– 1% cash back on all other purchases
2% cash back on all purchases. (1% when you make the purchase and 1% when you make your payment.)
Benefits– Up to 3% cash back on certain categories

– Disney Plus Bundle membership credit, $7 per month (up to $84) (enrollment required, subject to auto-renewal)

– Complimentary ShopRunner membership (enrollment required)
– Extended warranty

– Travel accident insurance

– Capital One dining

-Capital One Entertainment

– Capital One lounge access

– 24-hour travel assistance services

– No foreign transaction fees
– Up to 6% cash back on certain categories

– Disney Plus Bundle membership credit, $7 per month (up to $84) (enrollment required, subject to auto-renewal)

– Equinox Plus membership credit, up to $10 per month (up to $120) (enrollment required)

– Car damage and loss secondary insurance

– Return protection
Access to Citi Entertainment

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

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.

Disclosure: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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I'm an award-winning lawyer and personal finance expert featured in Inc. Magazine, CNBC, the Today Show, Business Insider and more. My mission is to make personal finance accessible for everyone. As the largest financial influencer in the world, I'm connected to a community of over 20 million followers across TikTok, Instagram, YouTube, Facebook and Twitter. I'm also the host of the podcast Erika Taught Me. You might recognize me from my viral tagline, "I read the fine print so you don't have to!"

I'm a graduate of Georgetown Law, where I founded the Georgetown Law Entrepreneurship Club, and the University of Notre Dame. I discovered my passion for personal finance after realizing I was drowning in over $200,000 of student debt and needed to take action-ultimately paying off my student loans in under 2 years. I then spent years as a corporate lawyer representing Fortune 500 companies, but I quit because I realized I wanted to have an impact; I wanted to help real people and teach them that you can create a financial future for yourself.

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Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. This in no way affects our recommendations or article content.

Advertiser Disclosure

Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. This in no way affects our recommendations or article content.

Advertiser Disclosure

Our aim is to help you make financial decisions with confidence through our objective article content and reviews. Erika.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. This in no way affects our recommendations or article content.