Blue Cash Everyday® Card from American Express Review

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One of the absolute best cash back credit cards is one that I’ve never carried. And as I write this review, I’m wondering exactly why I don’t have this card.  I’m talking about the Blue Cash Everyday® Card from American Express, a credit card that most definitely ranks as one of the best credit cards available today.

This card comes in two flavors, the standard version that has no annual fee and the preferred version that has a $75 annual fee but richer rewards.

Blue Cash Everyday® Card from American Express

Cardholders of the Blue Cash Everyday® Card from American Express will receive one of the best cash rewards program ever created by AMEX.  First, Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Second, this card is ideal for the consumer looking to use their card on everyday purchases, so it offers the following cash back amounts and other benefits:

• Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
• Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
• Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
• Terms and Restrictions Apply.

Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express offers almost an identical cash back program, except that it gives even more cash back and a larger cash bonus:

• Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
• Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
• Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
• Terms and Restrictions Apply.

How Do They Compare?

So the question is whether it’s worth paying the $75 annual fee for the preferred version of this card. The answer depends on how much you’ll use the card. We’ve taken the typical spending of a family of four to compare the cards in the following table:

0% Introductory Rate

Both versions of the card offer an introductory 0% APR on purchases for six or 12 months. Excellent credit is required to obtain this card but depending on your degree of excellence, you will receive one of the two intro time-lengths. Once the intro rate expires, the purchase APR is 12.99%-21.99% (Variable), again depending on your credit history.

Additional Card Features

These cards are an upgrade from the previous Blue Cash version in a variety of ways.  First, there is no spend limit or tier level that needs to be reached in order to receive the above cash back bonuses.  Next, there is no limit to the amount of cash that can be earned and the cash never expires.  Finally, cash can be redeemed as soon as you’ve earned at least $25 worth.

American Express offers dozens of perks that cardholders may not know exist and some of the coolest and most useful ones are:

• If you need to return an item and the store won’t take it back, American Express will usually refund the purchase price, up to $300
• Extend manufacturer warranties for up to one additional year
• $100,000 in travel insurance just in case something should happen during your next vacation
• Be the first to know about exclusive events using Entertainment Access

These cards from top to bottom two of the best credit cards available to consumers today.  If you buy groceries (which should be just about everybody!) and use an automobile to get there, the savings can add up to hundreds a year.  To apply or find out more, visit the secure application page for the Blue Cash Everyday® Card from American Express.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are authors alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.