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The Blue Cash Everyday® Card from American Express is one of the best rewards cards for people who spend a lot on groceries and gas each year, and there are several reasons why.
Beyond the fact there’s no annual fee, cardholders can enjoy an excellent rewards rate in a range of everyday categories, and they can earn a lucrative welcome offer right off the bat. Plus, rewards can be easily redeemed for statement credits, which means you can use your cash back to slash your credit card bill.
If you’re looking for a card that lets you maximize rewards on everyday bills your family has, including purchases at grocery stores and gas stations, read on to learn why the Blue Cash Everyday Card could be a good fit.
Earn exceptional rewards on food spending, fuel and more
The Blue Cash Everyday Card from American Express lets users rack up 3 percent cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (up to $6,000 per year in each category, then 1 percent), plus 1 percent back on all other purchases. With this earning rate in mind, consider this example that shows how much cash back you might earn in the first year.
Suppose you spend an estimated $14,900 per year on your Blue Cash Everyday Card, with the following breakdown:
- Groceries: $6,700
- Gas: $5,000
- Online retail: $2,000
- Miscellaneous: $1,200
In this example, you’d earn $187 back on groceries ($6,000 at 3 percent and $700 at 1 percent), $150 back on gas, $60 on online retail and $12 on miscellaneous spending, for a total of $409 in cash back each year.
Earn a welcome offer worth up to $250
This card also comes with a welcome offer that can be worth up to $250 if you max it out. You’ll earn a $100 statement credit after you spend $2,000 in your first six months, plus up to $150 when you use your card to check out with merchants via PayPal in your first six months (earned as 20 percent back in statement credits).
As noted, complete both of these steps in the first six months of card membership and you can earn the entire bonus.
Enjoy statement credits from Home Chef
The Blue Cash Everyday Card also comes with up to $180 in Home Chef credits, which are doled out in increments of $15 per month. With Home Chef, customers can receive a regularly scheduled meal kit delivery that includes fresh ingredients, recipe cards and instructions to help them make healthy, family-friendly meals at home. Enrollment is required to receive this offer, and meal kit delivery is available in the U.S. only.
Get an intro APR
Also note that the Blue Cash Everyday Card gives new customers a 0 percent intro APR on purchases and balance transfers for 15 months, followed by a variable APR of 17.74 percent to 28.74 percent. While cardholders do not have to take advantage of this offer, it’s always nice to have some time to pay down larger expenses interest-free.
Rewards can be redeemed for statement credits to your account
If you’re specifically looking for a card that helps you save on gas and groceries, you’ll also love the fact that cash back earned with this card is redeemable for statement credits. This means that your rewards can be used directly for savings off your bill, essentially saving you 1 percent to 3 percent off everything you buy with the card.
Other Amex cards for groceries and gas
If you don’t mind paying an annual fee, there are a few other Amex cards you might consider for higher rewards on groceries and gas: the American Express® Gold Card and the Blue Cash Preferred® Card from American Express, which have an annual fee of $250 and $95 ($0 intro annual fee for the first year), respectively. If you’re spending enough on groceries and gas, you should be able to justify these annual fees.
Another no-annual-fee alternative is The Amex EveryDay® Credit Card*, which has a moderate earning rate on supermarket spending but allows you to earn Amex Membership Rewards points. If you’d like to earn points that can be redeemed for travel with Amex’s travel portal, this card could be an option — though your potential to earn a lot of rewards will be limited.
The bottom line
The ability to earn rewards on groceries and gas can provide some relief for your family budget, and the Blue Cash Everyday Card makes the process as easy as possible. This is partly due to its exceptional rewards rate, but it’s also based on its lack of an annual fee and intro APR.
That said, there are other cards that earn generous rewards on groceries, gas and regular purchases most families make. While the Blue Cash Everyday Card is definitely worth your consideration, make sure you check out other top cash back credit cards before you make a decision.
*All information about The Amex EveryDay® Credit Card has been collected independently by Bankrate and has not been reviewed or approved by the issuer.