Blue Cash Everyday Card from American Express

Bankrate Score
Learn about the Bankrate score

Easy-to-use card with even easier rewards for everyday shopping.

Advertiser Disclosure: This post contains references to products from one or more of our advertising partners.

The Blue Cash Everyday Card from American Express is an ideal credit card for families on the go. It offers enhanced rewards at U.S. supermarkets, U.S. gas stations and select U.S. department stores, allowing you to earn a substantial amount of cash back on food, gas and clothing.

That’s like getting automatic coupons every time you shop.

Review

In late September 2017, American Express made a notable improvement to Blue Cash Everyday. The issuer boosted the sign-up offer to $150 from $100 for those who spend $1,000 within the first three months of card ownership.

Add one to the plus column for this card’s automatic cash-back benefits and another for the lack of pesky rotating categories to keep track of.

That being said, there are a number of cash-back cards we rate higher, either because they offer a flat cash-back rate on all spending that we deem a better value or because they don’t penalize travelers who spend outside the U.S. with a foreign transaction fee. AmEx charges a 2.7% fee on all foreign spending.

This card also isn’t a good fit for those who frequently take public transportation or don’t cook much (we’re looking at you urban dwellers). Also, anyone who tends to carry a large balance every month may find that a card with a lower APR might save them more over time than the cash-back benefit of this card.

Who should get this card

Blue Cash Everyday provides simple rewards for everyday spending and with no annual fee to boot. Suburban families who spend heavily on supermarkets and gas will likely benefit the most from this card’s rewards structure.

The card pays 3% cash back rewards at U.S. supermarkets on up to $6,000 a year in purchases, then 1%, 2% back at U.S. gas stations and at select U.S. department stores, and 1% back on everything else, which can add up to significant rewards if you spend a lot on those areas. Plus, if you spend $1,000 in the first three months of card ownership, you get a $150 bonus as a statement credit.

Advantages
  • Earn 3% back at U.S. supermarkets on up to $6,000 a year in purchases, then 1%.
  • Earn an unlimited 2% back at U.S. gas stations and select U.S. department stores and 1% back on all other spending.
  • There is no enrollment required to earn in any of the above categories.
  • You'll pay no annual fee.
  • Terms apply.
Disadvantages
  • The cash back rewards can only be redeemed as a statement credit or in American Express' online catalog. There are other rewards credit cards that let you deposit the credit in your bank account or redeem for other types of compensation.
  • Most wholesale clubs and specialty grocers don’t typically count toward the 3% supermarket rewards with this card, so if you spend heavily in either of these areas you may want to consider a dedicated rewards card for those stores instead.
  • There’s a high penalty APR that will last for at least six months if you’re late or miss a payment.
  • There’s a balance transfer fee of 3% so consider if the charge will outweigh the interest savings before transferring debt from another card.

Fees and APR

  • Blue Cash Everyday charges no annual fee.
  • You’ll pay a 2.7% foreign transaction fee on all purchases made outside of the United States.
  • The balance transfer fee is 3%.
  • See Rates & Fees.

Extras, perks and using rewards

Unlike most other cash-back cards, this one comes with the opportunity to earn a sign-up bonus and a 0% introductory offer on balance transfers and purchases.

Keep in mind that with this card the only thing you can use your accrued cash-back rewards for are statement credits or spend at AmEx’s reward dollars catalog. There’s no transferring to travel partners or other types of credits, but you can register your card with Amazon.com to pay for your purchases with your accrued rewards money.

To redeem your rewards, you have to log into your account and then click on the “Use Reward Dollars” option. You can only redeem in increments of $25. There is no fee to redeem your rewards.

The card also includes American Express’ travel protections like roadside assistance, auto insurance and global emergency help.

How this card compares

Blue Cash Preferred® Card from American Express
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • $95 annual fee.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees
Credit Needed

Excellent

Regular APR

See Rates and Fees

Annual Fee

$95

Purchase Intro APR

See Rates and Fees for See Rates and Fees

Balance Transfers Intro APR

See Rates and Fees for See Rates and Fees

If you can get over the idea of paying the $95 annual fee, the Blue Cash Preferred Card from American Express is a must-have card in the wallet of any big grocery shopper. The 6% cash-back reward at U.S. supermarkets  up to $6,000 in spending each year, then 1%, is the most lucrative available in this category.

If you hit the spending cap, you’ll earn $360 back with the Blue Cash Preferred vs. $180 back with the Blue Cash Everyday. Even with the Preferred’s annual fee, you’ll still come out ahead.

Chase Freedom®
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed

Good

Regular APR

15.99% - 24.74% Variable

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfers Intro APR

0% for 15 months

If you’re up for the challenge of tracking bonus rewards categories, Chase Freedom can give you some real cash-back bang for your buck. For travel junkies and road warriors, this card is ideal when paired with an eligible Chase card to reap maximum travel rewards on your spending.

If you don’t want to do the work, get a card that offers a flat cash-back rate better than what you’ll find here.

Chase Freedom Unlimited®
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed

Good

Regular APR

15.99% - 24.74% Variable

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfers Intro APR

0% for 15 months

Chase Freedom Unlimited is a solid, straightforward cash-back rewards card that’s ideal for cardholders who just don’t have the time or energy to track spending categories. It ranks among the very best cash-back credit cards we track.

There are other cards that offer better rewards, but the Chase Freedom Unlimited’s 1.5% cash-back on everything is an excellent reward coming from a no-annual-fee credit card.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.