Skip to Main Content

Amex EveryDay Credit Card vs. Blue Cash Everyday Card from American Express

Elderly man with mask browses produce at a grocery store
Luis Alvarez/DigitalVision/Getty Images
Bankrate Logo

Why you can trust Bankrate

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

When comparing the Amex EveryDay® Credit Card from American Express to the Blue Cash Everyday® Card from American Express, there are a number of factors to consider such as rewards rate, redemption options, welcome bonuses and the spending categories that garner more rewards. If your family spends a lot on groceries each month, then both cards are good options.

According to our analysis, the Blue Cash Everyday card just barely beats the Amex EveryDay for families. Plus, it offers more 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 in these categories aren’t as important to you as getting boosted rewards for travel redemption, then the Amex EveryDay card comes out on top. This card gives you the option to redeem points at higher values for certain travel spending.

Let’s take a look at other features that could help you decide between the two cards.

Card details at a glance

Amex EveryDay Credit Card Amex Blue Cash Everyday Card
Welcome bonus
  • Earn 10,000 Membership Rewards points after spending $1,000 on purchases within the first three months.
  • Earn $200 back after you spend $2,000 in purchases on your new card within the first six months.
  • You will receive cash back in the form of statement credits.
Rewards rate
  • Earn 2X points at U.S. supermarkets (up to $6,000 per year, then 1X).
  • Earn 2X points on eligible travel purchases booked through American Express Travel.
  • Earn 1X points on all other purchases.
  • Use your card 20 or more times on purchases in a billing period and earn 20% more points on those purchases (less with returns and credits)
  • Earn 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%).
  • Earn 2% cash back at U.S. gas stations and select U.S. department stores.
  • Earn 1% cash back on all other purchases.
Annual fee $0 $0

Amex EveryDay card vs. Blue Cash Everyday card highlights

Both cards offer similar perks and benefits, but there are subtle differences that could make either card better for one type of spender over the other. Below, we’ll dissect the finer points of both cards’ offerings so you can figure out which one suits your spending habits better.

Welcome bonus winner: Blue Cash Everyday Card

The Amex EveryDay card offers 10,000 Membership Rewards points if you spend $1,000 on purchases within the first three months of opening your account. These points can be worth anywhere from $50 up to $100, depending on how you choose to redeem them. Unlike many rewards cards that offer a 1:1 redemption value (1 cent per point), these points tend to lose value with many redemption options—except for travel, where points could be worth up to 2 cents per point if you transfer to an American Express travel partner.

In contrast, the Blue Cash Everyday Card offers $200 in cash back after you spend $2,000 in purchases within the first six months of opening your account, which beats out the Amex EveryDay’s welcome bonus even if you transfer points to an Amex travel partner.

Rewards rate winner: Blue Cash Everyday Card

The biggest difference between the Blue Cash Everyday and Amex EveryDay is that the Blue Cash card earns cash back (in the form of statement credits), while the Amex EveryDay earns Membership Rewards points. Though some might see Membership Rewards points as more valuable, the Blue Cash Everyday Card still wins when you stack up rewards earnings side by side: The Amex Blue Cash has a rewards rate of 3 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent), whereas the Amex EveryDay has a rate of 2X back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent).

Though both have a $6,000 cap on supermarket spending, you’ll end up better off with 3 percent cash back. That 3 percent is pure cash back at a 1:1 ratio, while points earned with the Amex EveryDay can have much lower redemption values. Plus, the Blue Cash card includes 2 percent cash back on U.S. gas station and select U.S. department store purchases.

Even though the Blue Cash Everyday wins for rewards, it’s important to note that the Amex EveryDay card offers cardholders the opportunity to earn boosted rewards. If you use your card 20 or more times on purchases in a billing period, you’ll earn 20 percent more points on those purchases (less with returns and credits). With this structure, you could end up earning more than 2X on your purchases.

Which card earns more rewards?

To determine your rewards potential for either card, it’s best to look at a spending example. Of course, you should adjust the dollar amounts to match your particular spending habits.

Amex EveryDay vs. Blue Cash Everyday spending example

American Express Membership Rewards points can be worth anywhere from 0.5 cents to 2 cents per point, and they’re redeemable for travel, gift cards, shopping and more.

If you spend $1,500 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, bringing your total to 15,600 points. When you add in the welcome bonus of 10,000 Membership Rewards points, 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 $1,500 every quarter in the 3 percent cash back category, you’d earn $180. If you spend an additional $300 a month in the 2 percent cash back category, you’d earn another $72. Finally, if you spend $100 a month in the 1 percent category, you’d earn $12, bringing your total to $264 in cash back for the year. With the cash back welcome bonus of $200, you’ll earn $464 in cash back at the end of your first year.

Why should you get the Amex EveryDay Credit Card?

This card doesn’t offer the best option for earning or redeeming rewards—there are much better rewards credit cards out there that can offer you more. But if you’re looking for a travel credit card for beginners, this card could introduce you to both travel cards and the Amex family of credit cards.

However, you’ll pay a 2.7 percent foreign transaction fee for each transaction you make outside of the U.S. It should also be noted that this card doesn’t accept balance transfers.

Additional Amex EveryDay card benefits

This card offers additional perks and benefits that you might find useful, including:

  • 0 percent introductory APR on purchases for 15 months (14.74 percent to 24.74 percent variable APR thereafter)
  • Amex Pay It Plan It
  • Complimentary ShopRunner membership
  • Car rental loss and damage insurance
  • Purchase protection

Redemption options for points

There are multiple redemption options for your points, including:

  • Statement credits
  • Gift cards
  • Amex’s Pay with Points (select merchants, terms apply)
  • Booking or upgrading select travel
  • Transfer points to Amex travel partners
  • Shopping with Membership Rewards points at partner merchants

Remember that you’ll get the most value when you redeem points through the American Express Travel portal or partner travel programs, which are valued at 2 cents each on average, according to The Points Guy.

Amex EveryDay Credit Card credit score requirement

This card requires a good-to-excellent credit score for the best approval odds. This means your FICO credit score should be between 670 and 850, but you’ll have a better chance of approval if your score is 700 or more.

To get an idea of your approval odds without risking a hard pull to your credit (which can lower your credit score by a few points), you can find out if you prequalify through Bankrate’s CardMatch tool or at Amex’s website. However, be aware that checking your approval odds doesn’t mean you’ll be approved for the card.

Why should you get the Amex Blue Cash Everyday Card?

The Blue Cash Everyday Card is a solid cash back card. It not only has a better rewards structure than the Amex EveryDay, but there are also more bonus categories where you can earn a higher cash back rate. Plus, the cash back rewards are simpler than a points system.

One downside is that you can’t earn points on this card for boosted redemption values on travel. There’s also a 2.7 percent foreign transaction fee for all purchases abroad, and the card currently doesn’t accept balance transfers. But if you don’t travel much and you’re not looking to transfer high-interest debt, these won’t be cons for you.

Additional Amex Blue Cash Everyday benefits

This card offers additional perks and benefits that you might find useful, including:

  • 0 percent introductory APR on purchases for 15 months (14.74 percent to 24.74 percent variable APR thereafter)
  • Amex Pay It Plan It
  • Complimentary ShopRunner membership
  • Car rental loss and damage insurance
  • Purchase protection

Redemption options for cash back

The Blue Cash Everyday card earns reward dollars, which you can redeem for cash back in the form of a statement credit. You can also redeem cash for gift cards or merchandise. Regardless of which option you choose, you must have at least $25 in reward dollars before you can redeem your cash back.

Amex Blue Cash Everyday credit score requirement

This card also requires a good-to-excellent credit score (between 670 and 850). As with the Amex EveryDay, you’ll have a better chance of approval for the Blue Cash Everyday if your score is 700 or more.

You can check your approval odds for the card through Bankrate’s CardMatch tool or on Amex’s website. Either option will only require a soft pull on your credit, which means your credit score won’t be affected.

The bottom line

Both the Amex EveryDay and Blue Cash Everyday cards can help you to earn rewards on purchases you make 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.

However, if you’re eyeing travel rewards, the Amex EveryDay card may be the better option. It should be noted that there are better beginner travel cards out there with no annual fee, such as the Bank of America® Travel Rewards credit card, the Capital One VentureOne Rewards Credit Card or even the Discover it® Miles.

Either way, choose the credit card that matches up with your spending habits and financial objectives. This approach will help you to maximize your chosen card’s value.

Written by
Aja McClanahan
Personal Finance Writer
Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter."
Edited by
Associate Editor