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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 offers a generous rewards rate for purchases made at U.S. supermarkets, U.S. gas stations and select U.S. department stores.

The Blue Cash Everyday is one of two main cash back cards offered by American Express. The other card is the Blue Cash Preferred® Card from American Express, which comes with an annual fee of $95. Although the two cards offer fairly similar benefits, the Blue Cash Everyday is likely a better fit for cardholders who spend less on groceries since it might be difficult to earn enough rewards to offset the Blue Cash Preferred’s annual fee.

Amex Blue Cash Everyday card benefits

Fees and rates

The Blue Cash Everyday has no annual fee and a 0 percent purchase intro APR for 15 months, followed by a variable APR of 15.49 percent to 25.49. Currently, the Blue Cash Everyday card doesn’t accept balance transfers, so no balance transfer intro APR is offered. As for a welcome bonus, cardholders can earn $200 cash back after spending $2,000 within the first six months.

The rewards categories are focused on everyday spending. Cardholders can earn:

  • 3 percent back at U.S. supermarkets (on up to $6,000 of purchases per year, 1 percent thereafter)
  • 2 percent back at U.S. gas stations and select U.S. department stores (including Macy’s, Bloomingdales, Nordstrom and J.C. Penney)
  • 1 percent back on all other purchases

The Blue Cash Everyday also has a 2.7 percent foreign transaction fee for every purchase made outside of the United States (after conversion to U.S. dollars). The cash advance fee is either $10 or 5 percent of the cash advance amount, whichever is greater.

Entertainment and dining benefits

Cardholders of the Blue Cash Everyday card have access to American Express Experiences, which includes access to exclusive presale tickets and entry into card member-only events. The experiences offered range from Broadway shows and concerts to sporting events and one-of-a-kind art exhibits.

The Blue Cash Everyday card does not earn a higher rewards rate on dining, so you’ll earn 1 percent cash back on all dining purchases. However, be sure to check Amex Offers (more on that below) for promotions on restaurants, food delivery services and more.

Otherwise, if you’re looking for a card that offers cash back on dining, you may want to consider another cash back card like the Capital One SavorOne Cash Rewards Credit Card, which also has no annual fee and earns 3 percent back on dining and grocery store purchases, among others.

Travel benefits

The Amex Blue Cash Everyday travel benefits are relatively barebones as this is more of a card for everyday spenders 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 (terms apply). 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 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 0 percent purchase intro APR for 15 months applies to purchases split up into Plan It monthly installments. After the intro period ends, Plan It purchases will include the following fees: a monthly plan fee of up to 1.33 percent of each purchase amount moved into the plan (and based on its plan duration), the APR that would otherwise apply to the purchase and other factors.

Amex Offers

All U.S. American Express consumer and business cards are eligible for participating in the Amex Offers program. In addition to each Amex card’s given rewards and perks, Amex Offers allows card members to earn statement credits on qualifying purchases from select brands. In the past, some of the brands have been PayPal, Best Buy, Home Depot, Samsung, Goldbelly and Instacart.

Cardholders can browse Amex Offers and choose which offers to activate before making a purchase; 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 redeem rewards

The Blue Cash Everyday card provides you with cash back rewards in the form of Amex Reward Dollars, which can then be redeemed for statement credits. These statement credits will be applied directly to your account, so they will help to offset any other charges on your card. Once you reach $25 in Reward Dollars, you can redeem your rewards through your online account.

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 card, cardholders should first focus on offers that are time-sensitive, such as:

  • The welcome bonus of $200 cash back after spending $2,000 within the first six months of account opening
  • 0 percent intro APR on purchases for 15 months (15.49 percent to 25.49 percent variable)
  • 3 percent back at U.S. supermarkets on up to $6,000 of purchases per year (then 1 percent)

After that, it’s important to plan out your spending in order to make the most out of the 2 percent back on U.S. gas station and select U.S. department store purchases, plus the 1 percent back on all other purchases. 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 to maximize its benefits. Some of the benefits of the Blue Cash Preferred include:

  • $95 annual fee
  • 6 percent cash back on U.S. supermarket purchases (on up to $6,000 of purchases per year, then 1 percent) and select U.S. streaming subscriptions
  • 3 percent cash back on transit and U.S. gas station purchases
  • 1 percent back on all other purchases

Although both cards have a $6,000 cap on U.S. supermarket purchases per year, 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 would be a better choice because it offers the chance to earn a higher rewards rate for purchases at U.S. supermarkets and U.S. gas stations and transit, offering the chance to earn enough rewards to offset the card’s $95 annual fee.

The bottom line

The Amex Blue Cash Everyday card 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 low-interest offer on purchases 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 for U.S. supermarket purchases, the Blue Cash Everyday is a great choice.

Written by
Chanelle Gibson
Writer and Editor
Chanelle Gibson is a former contributor at Bankrate. She has wide variety of experience ranging from pop culture to software engineering and possess expertise in finance, technology and business.
Edited by
Editor, Product