The Blue Cash Everyday® Card from American Express is a no-annual-fee credit card that offers competitive cash back rewards on common spending categories. With elevated rewards on U.S. supermarkets, gas stations, and online retail purchases, it’s designed for individuals and families seeking to maximize their everyday spending.
From a generous welcome offer to valuable perks like statement credits for streaming and meal kit subscriptions, the Blue Cash Everyday® Card provides substantial value without the burden of an annual fee.
Discover how this card can help you earn cash back on your routine expenses and enhance your financial strategy.
Meet the Issuer
American Express is a globally recognized financial services company known for its premium credit cards, exceptional customer service, and innovative rewards programs. With a history dating back to 1850, American Express has built a reputation for reliability and excellence.
Offering a wide range of credit cards tailored to various lifestyles and spending habits, American Express continues to lead the industry in providing value and security to its cardmembers.
The Blue Cash Everyday® Card exemplifies American Express’s commitment to delivering outstanding benefits and rewards to everyday consumers.
Main Benefits of the Card
- 3% Cash Back at U.S. Supermarkets: Earn 3% cash back on purchases at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
- 3% Cash Back on U.S. Online Retail Purchases: Receive 3% cash back on eligible U.S. online retail purchases, up to $6,000 per year (then 1%).
- 3% Cash Back at U.S. Gas Stations: Get 3% cash back on purchases at U.S. gas stations, up to $6,000 per year (then 1%).
- 1% Cash Back on Other Purchases: Earn 1% cash back on all other eligible purchases.
- Welcome Offer: Earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months. Terms apply.
- Disney Bundle Credit: Receive up to $84 annually ($7 monthly) in statement credits when you use your card to pay for a Disney Bundle subscription. Enrollment required.
- Home Chef Credit: Enjoy up to $180 annually ($15 monthly) in statement credits when you use your card to pay for Home Chef meal kit subscriptions. Enrollment required.
- Plan It® Feature: Split large purchases into monthly installments with a fixed fee, offering flexibility in managing your payments.
- Purchase Protection: Enjoy coverage for eligible purchases against accidental damage or theft.
- Extended Warranty: Get up to one additional year added to the original manufacturer’s warranty on eligible purchases.
American Express Blue Cash Everyday: Fees and Commissions
The Blue Cash Everyday® Card has a $0 annual fee, making it an attractive option for those seeking rewards without added costs.
The card offers a 0% introductory APR for 15 months on purchases and balance transfers, then a variable APR of 18.24% to 29.24% applies. Balance transfer fees are either $5 or 3% of the amount of each transfer, whichever is greater.
Note: Rates and fees are subject to change. Please refer to the official American Express website for the most current information.
Card limit
The credit limit for the Blue Cash Everyday® Card is determined based on your creditworthiness and other factors at the time of application. American Express evaluates your financial profile to set an appropriate credit limit.
Responsible use of the card, including timely payments and maintaining a low credit utilization ratio, can lead to potential credit limit increases over time.
Positive points
- No Annual Fee:Access valuable cashback rewards year-round without paying any yearly maintenance fee.
- High Cash Back Rates:Earn 3% cash back on groceries, gas, and online retail purchases—up to $6,000 annually per category.
- Introductory APR:Take advantage of 0% APR on purchases and balance transfers for 15 months to manage expenses interest-free.
Negative points
- Spending Caps:3% categories are limited to $6,000 in annual spending each, after which cashback drops to 1%.
- Foreign Transaction Fee:A 2.7% fee applies to all purchases made outside the U.S., reducing value for international use.
- Requires Good Credit:Applicants typically need a good to excellent credit score for approval, limiting accessibility.
How to Apply for American Express Blue Cash Everyday Credit Card
- Visit the official American Express website.
- Navigate to the Blue Cash Everyday® Card page.
- Click on “Apply Now” to begin your application.
- Fill out the application form with your personal and financial information.
- Review the terms and conditions before submitting your application.
- Submit your application and await a decision, which may be instant or provided by email within a few days.
- If approved, your card will arrive by mail in 7–10 business days.
- Activate the card online or through the Amex mobile app and start earning cash back on your everyday spending.
How to contact American Express Blue Cash Everyday
Need support with your Blue Cash Everyday® Card? Use the channels below:
- Phone: 1-800-528-4800 (24/7 customer service)
- Live Chat: Available via your online Amex account or mobile app
- Secure Messaging: Log in to send direct messages to Amex support
- Mail: Use the address provided on your billing statement
The Blue Cash Everyday® Card from American Express delivers impressive value for a no-annual-fee credit card. With 3% cash back on everyday categories, a great intro APR offer, and added perks like streaming and meal kit credits, it’s ideal for practical spenders. Apply now and make your everyday purchases more rewarding.
