Why I love the Blue Cash Everyday Card from American Express

Some rewards credit cards are easy to fall in love with, whether people enjoy using them to maximize rewards, delight in actually redeeming their points, miles or cash back or truly benefit from the cardholder perks they receive. The Blue Cash Everyday® Card from American Express is one such card that is truly irresistible to certain types of users. With bonus rewards in several everyday spending categories and an intro APR offer on purchases, what’s not to love?

To find out why the Amex Blue Cash Everyday is so popular with consumers, we interviewed a faithful user of this card — Forrest McCall, founder of Don’t Work Another Day. If you’re considering this card and wondering why people love it, you’re in the right place. Here’s what to love about the Blue Cash Everyday from Amex.

Generous rewards in everyday spending categories

McCall says one of his favorite benefits is that the card offers bonus rewards in some of the categories he spends the most in, including common everyday categories.

“I take advantage of the Amex Blue Cash Everyday card for grocery and gas purchases mainly because of the higher rewards rate,” he says.

This makes sense considering that the Amex Blue Cash Everyday offers 3 percent cash back at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per year in each category, then 1 percent) and 1 percent cash back on all other eligible purchases.

Within the U.S. supermarket category alone, users of this card have the potential to earn $180 in cash back rewards every year (if they reach the spending limit). That makes this one of the best credit cards for groceries on the market today.

Statement credit redemptions make things easy

While numerous rewards credit cards offer flexible redemption options, including the chance to redeem rewards for gift cards, merchandise, travel and more, the Amex Blue Cash Everyday only allows you to redeem rewards for statement credits to your account.

However, McCall says he actually prefers this option due to the simplicity it offers. “It is fast and convenient for me, and I tend to redeem a few days before paying my card to lower my payment,” he says.

No annual fee required

The Amex Blue Cash Everyday also stands out due to its lack of annual fee, which helps users make the most of the rewards they earn every year.

McCall says he almost always chooses credit cards that don’t charge an annual fee since he finds it difficult to earn enough in rewards to offset the annual fees other cards charge. With no annual fee, all the rewards McCall earns leave him “ahead” — provided he pays his credit card bill in full each month.

Easy to pair with other cash back cards

With no annual fee required, McCall also points to the fact that the Amex Blue Cash Everyday is easy to pair with other cards. While he uses his Amex Blue Cash Everyday for purchases at U.S. supermarkets and U.S. gas stations, a quick switch to the Chase Freedom Unlimited® lets him earn 1.5 percent cash back on non-bonus-category spending. Plus, this card also comes with no annual fee.

Separately, it’s worth noting that the Chase Freedom Unlimited also offers 5 percent cash back on travel booked through Chase Travel, 5 percent cash back on Lyft rides (through March 2025) and 3 percent cash back on dining and drugstore purchases.

McCall says he also carries the Capital One Savor Cash Rewards Credit Card* — the one card where he does pay an annual fee ($95) — in order to earn 4 percent cash back on dining and entertainment. The Capital One Savor also offers 4 percent cash back on popular streaming services, 3 percent cash back on grocery store purchases and 1 percent cash back on all other purchases.

0% intro APR

Another major benefit McCall notes is the card’s 0 percent intro APR offer on purchases for 15 months from the date of account opening (followed by a variable APR of 19.24 percent to 29.99 percent). This intro offer made it possible for McCall to avoid interest while carrying a balance on new purchases for more than a year.

Potential for a high credit limit

There is one final reason McCall says he loves his Amex Blue Cash Everyday — his ever-increasing credit limit. He says American Express has been proactive about increasing his credit limit, and that they haven’t done a hard pull on his credit report when he has requested a credit limit increase in the past.

“My Amex has the largest credit limit by far of any card I own, which I appreciate,” he says.

The bottom line

The Amex Blue Cash Everyday‘s benefits may not be as robust as you’ll find with premium rewards credit cards that charge an annual fee, but this card does let users rack up generous rewards and score an intro APR offer on purchases. New cardholders can also earn a $200 statement credit after they spend $2,000 on purchases within six months of account opening.

Sometimes, simple cash back cards are best, but it all depends on an individual’s spending style, personality and goals. While the Amex Blue Cash Everyday could certainly be worth it, make sure to compare other rewards credit cards, including the best cash back credit cards, before you decide.

*The information about the Capital One Savor Cash Rewards Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.