Amex Blue Cash Everyday benefits guide

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The Blue Cash Everyday® Card from American Express is one of the two cash back cards offered by American Express. It’s a solid rewards card for the everyday spender and is a great option for families. The Blue Cash Everyday also has an upgraded counterpart—the Blue Cash Preferred® Card from American Express, which comes with an annual fee of $95 ($0 introductory annual fee for the first year).

The two offer fairly similar benefits, but the Blue Cash Everyday is likely a better fit for cardholders who spend less on groceries since it might be difficult to offset that annual fee on the Blue Cash Preferred.

Fees and rates

The Blue Cash Everyday has no annual fee and 0 percent intro APR for 15 months, then the variable APR is 13.99 percent to 23.99 percent. Foreign transaction fees will cost 2.7 percent after conversion to US dollars, and the cash advance fee is the greater of either $10 or 5 percent. Compared to the Blue Cash Preferred card, the fees are on the lower end.

For a welcome bonus, cardholders can expect $100 cash back after spending $2,000 in the first six months. Plus, 20 percent cash back on Amazon.com purchases within the first six months (up to $150 back). Since the rewards categories are focused on everyday spending, cardholders can earn rewards back in myriad ways.

Cardholders earn 3 percent back at U.S. supermarkets on up to $6,000 of purchases per year, then 1 percent thereafter. Cardmembers also earn 2 percent back at U.S. gas stations and select U.S. department stores (like Macy’s and J.C. Penny), as well as 1 percent cash back on all other purchases.

Dining and entertaining benefits

Cardholders of the Blue Cash Everyday card automatically gain access to American Express Experiences. These experiences range from Broadway shows and concerts to sporting events and one-of-a-kind art exhibits.

Members also have access to exclusive presale tickets and entry into card member-only events. And while you’re out being a VIP, it’s a great opportunity to earn 1 percent cash back on all those purchases outside of the rewards categories.

Travel benefits

For those who love to travel, American Express offers a Global Assist Hotline to support its members while they explore new places. Representatives are readily 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 the original purchase is made on any of their cards.

Card protections and insurance benefits

Any charge made on your Blue Cash Everyday card includes purchase protection from accidental damage or theft for up to 90 days from the purchase date. With the Blue Cash Everyday, you’ll get up to $1,000 in coverage per qualifying purchase with an annual limit of $50,000 per year. American Express also provides dispute resolution assistance to help in the case of fraudulent or incorrect charges.

Payment option benefits

The Blue Cash Everyday includes the American Express Pay It Plan It program. The “Pay It” option is for purchases under $100 and allows you to quickly make payments throughout the month toward that purchase.

The “Plan It” option is for purchases $100 or higher and allows you to split the purchase into fixed monthly payments with little interest. Purchases made under either option will also still earn rewards like any other purchase.

How to maximize perks and benefits

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 this particular card, members should first focus on the time-sensitive offers. These include the welcome offer and the starting cash back percentage for groceries.

The welcome offer requires cardholders to spend $2,000 in the first six months to receive the $100 reward. The 3 percent back on U.S. supermarket purchases is limited to $6,000 per year, so a cardholder should spend at least that much on groceries per year to make the most of it.

After that, it’s important to plan out your spending in order to earn the most out of the rewards categories and the 1 percent back on all other purchases. However, if your spending habits are a bit beyond this card’s offerings, then you may want to upgrade to the Blue Cash Preferred card to maximize its benefits.

Amex Offers

All American Express cards come with Amex Offers on top of their already given rewards and perks. This program includes a variety of promotions and rewards that cardholders can browse and choose which ones to activate.

Amex Offers may differ depending on the card, so the rewards offered better match the spender. Some retailers offer cash back promotions and others let you earn Membership Rewards points to spend with them.

Each Amex Offer has a spending requirement and an expiration date to spend that amount. To maximize these benefits, card members must continuously check Amex Offers for promotions that fit their spending.

Learn More: Is the Amex Blue Cash Everyday worth it?

The bottom line

The Amex Blue Cash Everyday card comes with benefits that are perfect for the right type of spender. For example, those who spend less on groceries may not earn enough rewards to offset the Blue Cash Preferred card’s annual fee, so the Everyday is the better option.

The rewards categories are focused on everyday purchases that the average cardholder is probably making, which means a lot of spenders will find themselves benefiting from this card.

With no annual fee and 0 percent intro APR for 15 months, this is a great card to have to also reap the benefits of simply being an American Express member. The purchase protections, travel assistance, American Express Experiences, Amex Offers and more that come with simply having an Amex card are quite valuable.

The Amex Blue Cash Everyday is an awesome card for the spender looking for good general benefits and rewards for everyday spending.