Blue Cash Everyday® Card from American Express Review - Up to 3% Cash Back + $150 Cash Bonus

Ranking

9.2/10

One of the absolute best cash back credit cards is the American Express Blue Cash line of cards. The Blue Cash Everyday® Card from American Express is the no annual fee version of this card. It pays up to 3% cash back and offers the chance to get a $150 statement credit. We’ve got all the details in our Blue Cash Everday review.

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0% APR

9/10

Card Bonus

9/10

Cash Back Rewards

8/10

Added Perks

10/10

Annual Fee

10/10



Highlights:

 

  • $150 Initial Bonus
  • Up to 3% cash back
  • 0% APR for 15 months

Editor's note - You can trust the integrity of our balanced, independent financial advice. We may, however, receive compensation from the issuers of some products mentioned in this article. Opinions are the author's alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser.

Snapshot

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The Blue Cash Everyday® Card from American Express offers the following features:

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.

There is no annual fee.

Cash Back Rewards

The cash back rewards follow a simple three, two, and one percent reward structure:

  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%);
  • 2% cash back at U.S. gas stations and at select U.S. department stores; and
  • 1% back on other purchases.

In addition, you get a $150 statement credit after spending $1,000 in purchases on the new card within the first three months.

The Value of Cash Rewards

We’ve calculated just how valuable this card can be. We used average spending data from the Bureau of Labor Statistics.

Spending CategorySpending AmountCash Back %Cash Back Rewards
Groceries$4,049
3%
$121.47
Restaurants$3,154
1%
$31.54
Gas$1,909
2%
$38.18
Other Transportation Expenses$2,884
1%
$28.84
U.S. Department Stores$1,803
2%
$36.06
Entertainment$2,913
1%
$29.13
Health Care$1,452
1%
$14.52
Other Expenses$2,933
1%
$29.33

Total Rewards: $329.07

Other Rewards

American Express regularly offers limited time benefits that add significant value to this card. As part of my research for this review, I logged into my own account for this card. Here were some of the available offers:

  • Get 10% back on your cable or satellite TV bill
  • Spend $100+ at Panera, get $20 back. Up to 2X

These special rewards change regularly. The above is an example, but underscore the additional benefits above the standard cash back rewards.

0% Introductory Rate

The Blue Cash Everyday® Card from American Express offers an introductory 0% APR on purchases and balance transfers for 15. When the introductory rate expires, the card charges a variable rate of 15.24%-26.24% depending on your creditworthiness.

Additional Card Features

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

Blue Cash Everyday vs. Blue Cash Preferred

American Express offers another version of its Blue Cash card. Called the Blue Cash Preferred® Card from American Express, it offers up to 6% cash back. The downside is that it comes with a $95 annual fee.

How Do They Compare?

So the question is whether it’s worth paying the $95 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:

Blue Cash Everyday® Card from American ExpressBlue Cash Preferred® Card from American Express
CategoryMonthly SpendingAnnual Cash BackCategoryMonthly SpendingAnnual Cash Back
Groceries (3%)$750$270Groceries (6%)$750$390
Gas (2%)$400$96Gas (3%)$400$144
Dining Out (1%)$250$30Dinning Out (1%)$250$30
Department
Stores (2%)
$100$24Department
Stores (1%)
$100$12
Other (1%)$1,000$120Other (1%)$1,000$120
ANNUAL CASH BACK
(No Annual Fee)
$540ANNUAL CASH BACK
(-$95 Annual Fee)
$601

*Other: $1000 (this might include big box stores, pharmacy, cell phone, cable, car repair, travel, and every other monthly expense that can be charged)

You can get more details on the Blue Cash Preferred® Card from American Express here.

Who is this Card Best for

Families

Perhaps the ideal candidate for the Blue Cash Everyday® Card from American Express is families who eat at home. The three percent cash back rewards at groceries (up to $6,000 a year) offer the chance to earn $180 in cash back.

Frequent Drivers

The two percent cash back on gasoline is ideal for those who hit the road a lot. Whether it’s a long commute to work or frequent road trips, the Blue Cash Everyday® Card from American Express offers 2% cash back at U.S. gas stations.

Frequent Shoppers

The 2% cash back at U.S. department stores also makes the card ideal for frequent shoppers.

Pros & Cons

Pros

  • Up to 3% cash back — The excellent cash back rewards are the card’s top feature. Even on an average household budget, the card can easily generate $500 or more in cash back rewards.
  • No annual fee — It’s rare to find a card with this level of rewards that doesn’t charge a fee.
  • Amex benefits — American Express cards come with a wealth of benefits. From travel assistance to travel insurance and purchase protection, the card offers excellent features. It even has roadside assistance.

Cons

  • No credit monitoring — More and more credit cards offer free access to your credit score and score monitoring. Unfortunately, this card doesn’t offer that feature.
  • Reward redemption — Rewards must be in the form of a statement credit.

Final Thoughts

We’ve reviewed a lot of cash back credit cards. The Blue Cash Everyday® Card from American Express is without question one of the best options that come without an annual fee. It’s also one of the cards I carry. You can get more details here

Article comments

9 comments
Ginger says:

This is a great upgrade from the old blue cash, I think I will call and see about upgrading my old card.

James says:

Are you kidding? It’s a downgrade from 5% on the top 3 there and 1.25% for the rest this card is crap compared to the old.

JB says:

I just switched to the Blue Cash Preferred last month. Awesome cash back program especially since my gas purchases via giftcards purchased at grocery store means 6% cash back.

Billy Bob says:

Everything is cheaper at Winco, but they only take debit cards!

Rodger says:

Your calculation is not correct. On the preferred card the 6% cash back only applies to $6000 a year. After that it’s 1%. You calculated $9000 x 6%.

Rob Berger says:

Rodger, thanks for the correction.

AD says:

What do you mean by this: US Wireless Telephone Service Providers on the first $2,000 in purchases made. I am old. Do you mean buying at cell phone stores like Sprint, Republic, Verizon?

Money Beagle says:

We have a Costco AmEx card, and they are already preapproving us for the Blue Everyday card. That bonus alone makes it a logical switch, and the rewards seem pretty good. We want to have an AmEx card (it’s nice having options) so we will probably sign up for this at some point soon.

Bruce Berggren says:

Groceries at superstores (Walmart, Target) don’t receive the higher grocery cash back rate. Nor do gas purchases at supermarkets (Kroger) receive the higher gas rebate. This isn’t well advertised. I do better shopping the lowest price, then if needed pay with another card that beats the BlueCash 1% rebate in those cases.