Amex Blue Cash Everyday benefits guide
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The Blue Cash Everyday® Card from American Express is a solid rewards credit card for the everyday spender and a great option for families. It has no annual fee and, as of July 2022, it offers a generous rewards rate for purchases made at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases.
The Blue Cash Everyday is one of two main cash back cards offered by American Express — the other being the Blue Cash Preferred® Card from American Express, which comes with a $95 annual fee ($0 intro annual fee for the first year). Although these two cards offer fairly similar benefits, the Blue Cash Everyday is likely a better fit for cardholders who may not earn enough rewards to offset the Blue Cash Preferred’s annual fee.
Here’s a look at the benefits offered by the Amex Blue Cash Everyday to help you decide if it’s the right cash back option for you.
Rewards rate and welcome bonus
To start, the Blue Cash Everyday Card from American Express lets cardholders earn the following cash back rates on common, everyday purchases:
- 3 percent cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1 percent)
- 3 percent back at U.S. gas stations (on up to $6,000 in purchases per year, then 1 percent)
- 3 percent back at U.S. online retailers (on up to $6,000 in purchases per year, then 1 percent)
- 1 percent back on all other purchases
Further, new cardholders can earn up to $200 in statement credits after you spend $2,000 in purchases on your new Card within the first 6 months.
0% intro APR
The Blue Cash Everyday offers a 0 percent intro APR on both purchases and balance transfers for 15 months, followed by a variable APR of 18.49 percent to 29.49 percent. This makes it a solid balance transfer credit card option, while also offering the ability to pay off a large purchase over time sans interest.
It’s also important to note its 2.7 percent foreign transaction fee for every purchase made outside of the United States (after conversion to U.S. dollars) — meaning if you plan to travel abroad, you may want to pay with a card that doesn’t charge these fees. Lastly, the cash advance fee is either $10 or 5 percent of the cash advance amount, whichever is greater.
As noted above, the Blue Cash Everyday Card was recently updated and now boasts a couple of annual credits that could be worth up to $264:
- Up to $180 in Home Chef credits per year ($15 in monthly statement credits for online meal kit purchases)
- Up to $84 in credits for The Disney Bundle per year ($7 monthly statement credit after you spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu and ESPN+)
The addition of these credits means you’ll get even more from this no-annual-fee card once you factor in the cash back rewards, welcome bonus and zero-interest offer on purchases and balance transfers.
Cardholders of the Blue Cash Everyday have access to American Express Experiences, which includes access to exclusive presale tickets and entry into member-only events — from Broadway shows and concerts to sporting events and one-of-a-kind art exhibits.
The Amex Blue Cash Everyday travel benefits are relatively barebones, as this is more of a card for everyday spenders (specifically gas and groceries) than frequent travelers. However, American Express offers a Global Assist Hotline to support its members whenever they travel 100 miles or more from home. Representatives are available by phone to assist with lost passports, translation services, missing luggage and emergency legal or medical referrals.
Amex also offers car rental loss and damage insurance when you use your card to reserve and pay for the rental. Note, not all vehicle types and rentals are covered, liability coverage is not included and coverage is not available in select countries.
Card protections and insurance benefits
The Blue Cash Everyday card includes Amex purchase protection from accidental damage or theft for up to 90 days from the purchase date. You’ll be reimbursed up to $1,000 per eligible item with an annual limit of $50,000 per card. In the event of fraudulent or incorrect charges, American Express also provides dispute resolution assistance.
Payment option benefits
The Blue Cash Everyday includes the American Express Pay It, Plan It program. The Pay It option allows you to quickly make payments for small, qualifying purchases under $100, while the Plan It option allows you to put up to 10 purchases over $100 into extended monthly payment plans for a fixed fee. Purchases made under either option will still earn rewards like any other purchase.
Additionally, the zero-interest offer on purchases applies to purchases split up into Plan It monthly installments. After the introductory period ends, Plan It purchases will include a monthly plan fee of up to 1.33 percent of each purchase amount moved into the plan (and based on its plan duration), along with the APR that would otherwise apply to the purchase.
Access to Amex Offers
All U.S. American Express consumer and business cards are also eligible to participate in the Amex Offers program. In addition to each Amex card’s given rewards and perks, Amex Offers allows members to earn statement credits on qualifying purchases from select brands. In the past, some of the brands have included PayPal, Best Buy, Home Depot, Samsung, Goldbelly and Instacart.
Cardholders can browse Amex Offers and choose which offers to activate before making a purchase, and it’s possible you could earn more than 25 percent cash back on a purchase. Note, each Amex Offer has a spending requirement and an expiration date. To maximize these benefits, cardholders should regularly check Amex Offers for promotions that fit their spending.
How to maximize Amex Blue Cash Everyday benefits and perks
It’s important to get the most out of your credit cards and take full advantage of what they offer. To maximize the benefits of the Amex Blue Cash Everyday, cardholders should first focus on offers that are time-sensitive, such as its first-year welcome bonus and zero-interest offer on purchases and balance transfers (if you need it).
After that, it’s important to plan out your spending in order to make the most out of the 3 percent categories — and be sure to regularly check Amex Offers to see if any of the program’s current offerings align with your shopping plans or habits.
Blue Cash Everyday vs. Blue Cash Preferred
If your spending habits are beyond this card’s offerings, then you may want to upgrade to the Blue Cash Preferred Card from American Express to maximize its benefits. Some of the benefits of the Blue Cash Preferred include:
- $95 annual fee ($0 intro annual fee for the first year)
- 6 percent back on U.S. supermarket purchases (on up to $6,000 per year, then 1 percent); 6 percent back on select U.S. streaming subscriptions; 3 percent back on transit and U.S. gas station purchases; 1 percent back on all other purchases
- $250 statement credit after you spend $3,000 in purchases within the first six months
- 0 percent intro APR on purchase and balance transfer for 12 months (18.49 percent to 29.49 percent variable after)
Although both cards have a $6,000 cap on U.S. supermarket purchases per year (then 1 percent), the Blue Cash Preferred’s 6 percent cash back rate at U.S. supermarkets provides the chance to earn $360 in cash back annually (in addition to 1 percent on purchases thereafter). The Blue Cash Everyday, on the other hand, has the potential to earn only $180 in cash back (plus 1 percent on purchases after that) on groceries per year.
For a single person or a couple, the Blue Cash Everyday might make more sense. But for a family of three or four that spends more annually on everyday purchases, the Blue Cash Preferred could be a better choice, as it offers the chance to earn enough rewards to offset the card’s ongoing $95 annual fee.
The bottom line
The Blue Cash Everyday Card from American Express provides great benefits for the right type of spender — those who want to be rewarded for everyday spending but don’t want to pay an annual fee.
Other perks include a zero-interest offer and the benefits of simply being an American Express member: purchase protection, travel assistance, American Express Experiences, Amex Offers and more. If you’re looking for a no-annual-fee card with a generous rewards rate on gas and groceries, the Blue Cash Everyday is a great choice.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company and Underwritten by New Hampshire Insurance Company, an AIG Company.