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Trying to decide between the Amex EveryDay® Credit Card and Blue Cash Everyday® Card from American Express comes down to one important spend category: U.S. supermarkets. If you’re a family that racks up an expensive grocery bill each month then both of these cards offer you cash back on the category.
For us, the Blue Cash Everyday edges out its sister card for families as it offers even more with cash back rewards at U.S. gas stations and select U.S. department stores – two useful bonus categories for the average household.
However, if rewards profile is coming second to your plans to get on top of your credit card debt then the Amex EveryDay card comes out on top with its $0 balance transfer offer.
Amex EveryDay vs. Blue Cash Everyday
|Card Name||Amex EveryDay||Blue Cash Everyday|
|Welcome bonus||Earn $10,000 Membership Rewards® Points when you spend $1,000 in your first three months.||Earn $150 statement credit when you spend $1,000 in your first three months of card ownership.|
|Rewards||2X points at U.S. supermarkets (up to $6,000 per year, then 1X points)
1X points on all other purchases
|3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
2% cash back at U.S. gas stations and select U.S. department stores
1% cash back on all other purchases
|Intro offer||0% intro APR for the first 15 months on purchases and balance transfers (15.24% to 26.24% variable thereafter)||0% intro APR for the first 15 months on purchases and balance transfers (15.24% to 26.24% variable thereafter)|
|Balance transfer fee||$0||$5 or 3% of the transferred balance — whichever is greater|
Here are the details:
With the Amex EveryDay, you’ll earn 2X points at U.S. supermarkets on up to $6,000 per year, then 1X points, plus 1X points on all other purchases.
The card includes a decent welcome bonus of 10,000 Membership Rewards® Points when you spend $1,000 in your first three months of card ownership. You can also earn a 20% bonus on points in the 2X and 1X categories when you use your card 20 times or more within a billing period.
There’s a 0% introductory APR offer for 15 months on purchases and balance transfers (15.24% to 26.24% variable thereafter), and you won’t owe a balance transfer fee. Although the go-to APR rate for this balance-transfer offer is high, it’s unusual for a balance transfer card to offer no fee.
For example, if you move a $3,000 balance to this card, you won’t pay a fee. If you instead move the $3,000 balance to the Citi Simplicity® Card, for example, you’d pay a 5% fee, equal to $150 which adds to the debt you need to pay off within the low-interest window.
Blue Cash Everyday
The Blue Cash Everyday will earn you 3% cash back at U.S. supermarkets on up to $6,000 per year, then 1%, 2% back at U.S. gas stations and select U.S. department stores and 1% back on everything else.
There’s also a $150 cash back bonus as a statement credit when you spend $1,000 in your first three months. You’ll get the same introductory APR on purchases and balance transfers as the Amex EveryDay, but you’ll owe a 3% fee ($5 minimum) on any amount transferred.
Which card is right for you?
Choosing between the Amex EveryDay and Blue Cash Everyday cards is as simple as determining your current high-spend categories to determine where you would like to earn rewards and whether or not you have any debt to pay off.
The Amex EveryDay will earn you 2X points at U.S. supermarkets and only U.S. supermarkets (up to $6,000 per year, then 1X points). Considering the Blue Cash Everyday will earn you 3% cash back at U.S. supermarkets (with the same cap) and 2% cash back at U.S. gas stations and select U.S. department stores, the Blue Cash Everyday comes out on top with a better rewards structure.
If you’re looking to dwindle down any debt, you’ll save a little more by going with the Amex EveryDay. Although both cards have the same introductory APR on purchases and balance transfers, the Blue Cash Everyday will charge you a 3 percent fee on the amount of each transfer ($5 minimum) — which can add up depending on how much you owe.
Use cases and balance transfer breakdown
First-year value example
American Express Membership Rewards points are worth 1.0 cents, redeemable for travel, gift cards, shopping and more.
If you spend $1500 every quarter in the Amex EveryDay 2X rewards category, you’d earn 12,000 points at the end of your first year. Spending an additional $300 each month in the 1X rewards category would add 3,600 points, totaling 15,600 earned. When you add in the 10,000 Membership Rewards® Points offer, you’d earn a total of 25,600 points at the end of your first year, worth up to $256 in gift cards.
As for the Blue Cash Everyday, if you spend $1500 every quarter in the 3% cash back category, you’d earn $180. With an additional $300 a month in the 2% cash back category, you’d earn another $72. Finally, if you spend $100 a month in the 1% category, you’d earn $12, totaling $264 for the year. With the $150 cash back bonus, that equals $414 in cash back earned at the end of your first year.
Balance transfer example
Both the Amex EveryDay and Blue Cash Everyday cards offer an introductory 0% APR for 15 months (variable 15.24% to 26.24% thereafter), but the Amex EveryDay charges no fee on balance transfers requested within 60 days of account opening.
Say you owe $1,500 in credit card debt and transfer that debt to the Amex EveryDay card within the first 60 days of card ownership. You could then pay off the entire balance in 15 months by paying $100 a month – completely interest-free.
If you decide to go with the Blue Cash Everyday card, though, you’ll owe an additional balance transfer fee of 3% of the amount transferred — in this case, $45.
Both the Amex EveryDay and Blue Cash Everyday cards can help you earn at U.S. supermarkets. But if earning rewards at U.S. gas stations and select U.S. department stores is important to you as well, the Blue Cash Everyday card should be your pick.
Each card offers the same introductory offer on purchases and balance transfers, but the Amex EveryDay’s $0 balance transfer makes it the clear winner between the two cards for balance transfers.
The information for the Amex EveryDay Credit Card has been collected independently by Bankrate.com. The card details on this page have not been reviewed or provided by the card issuer.
Stay up-to-date with the industry’s top news and strategies for earning cash back. Check out Bankrate’s cash back catalog for everything you need to know to earn the most out of every swipe.
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.