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Home » Credit Cards, Reviews

American Express Blue Cash Everyday® Card Review

Last updated by on 5 Comments

Blue Cash Everyday® Card from American Express

In my opinion, American Express is the best credit card company out there in terms of perks (I’ll highlight some in this post). One of the best cards in their lineup is the Blue Cash Everyday® Card from American Express. This post will highlight it’s best features to help you decide if this is the right card for you.

American Express Blue Cash Everyday Cash Back Program

The Blue Cash Everyday Card replaces American Express’s retired Blue Cash card. The old card was OK, but good rewards did not kick in until you hit $6,500 per year in spend. The Blue Cash Everyday card has a much simpler and likely higher reward system.

american express blue cash everyday cardHighlighting the cash back rewards program is 3% at US supermarkets, up to $6,000 per year in purchases. On top of that is 2% cash back at US gas stations & select US dept stores, and 1% cash back on other purchases. Terms and limitations apply.

Another big benefit is that cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

With gas and groceries costing what they have and being the two biggest non home-related expenses for most people, this could be a great cashback card.

There is no limit to the amount of rewards you can earn, no spend minimum, and no rotating categories. Simple, yet very rewarding.

<Update> The Blue Cash Everyday card is also offering the opportunity to get 50 reward dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new card in the first three months! Plus, get one year of Amazon Prime after you sign up for a new membership with your card and meet the spending requirement in the same time period (as an Amazon Prime member, you get unlimited Free Two-Day Shipping on millions of items).

No Annual Fee

In order to be considered a great personal use credit card, in my opinion, the card has to have no annual fee. The Blue Cash Everyday card receives a check mark for meeting this criteria.

Introductory APR Period

Another nice benefit of this card is that you get a 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors. I would recommend paying your monthly balance in full EVERY single month.

0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

Other American Express Benefits

American Express has a ton of perks with their cards. All material purchases with the card get a 1-year extended warranty. This is a huge benefit on large purchases.

The American Express purchase protection plan protects your purchases against theft or accidental damage for up to 90 days.

There is free roadside assistance and free rental car insurance.

And last, but not least, I’ve always been impressed with American Express’s customer service. They are available 24/7.

Final Thoughts on the Blue Cash Everyday Card from American Express

I’d put the Blue Cash Everyday Card up there as one of the top five personal use credit cards, along with its cousin, and the best grocery rewards card, the American Express Blue Cash Preferred® Card, and the Discover it card.

It offers very generous rewards in some of the most popular categories with no spend minimums – and no annual fee. Not many credit cards can say that.

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Disclosure: This content is not provided or commissioned by American Express. Any opinions, analyses, reviews or evaluations provided here are mine alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through Advertiser affiliate programs. I am an American Express cardholder, as highlighted in this post.


About the Author
I am G.E. Miller, & this is my story. My goal is financial independence ASAP. If you share that goal, join me & 7,500+ others by getting FREE email updates. You'll also find every post by category & every post in order.


5 Comments »
  • Danielle says:

    Sounds like a great deal. The one problem I see is that for me, the most cost effective way to buy groceries is at a “big box” retailer – Wal-Mart, Target, Meijer, all of which are close to my house. Credit cards that give extra cash back at grocery stores always exclude this as grocery shopping. I save far more than 3% by shopping at these stores over conventional grocers.

    I have been using the Fidelity AmEx card, which is also a great card. No annual fee, all the perks of other AmEx cards, and 2% back on every single purchase, no matter where you use it. All of the cash back gets deposited into my retirement account!

  • Ron Ablang says:

    The only problem I see w/ AMEX is that it is not as universally rec’d at most stores like Visa, MC, or Discover. Otherwise I prefer the FIA (Schwab) or Chase Freedom, both of which I have.

  • Carl says:

    G.E.,

    I don’t think you should be so quick to disqualify rewards cards with annual fees… I recently did the numbers for the Blue Cash Everyday and Blue Cash Premier cards as I was deciding which to make my new go-to rewards card. I found the Premier card provides a higher cash back amount for me, even after the $75/year fee ($201 vs $159 per year for just the higher return categories, ignoring the 1% return on everything else). An extra 3% on groceries and an extra 1% on gas/department stores compared to the Everyday card adds up pretty fast. If you have a family and spend more than my assumption of $50/week, then the Premier card would be even more advantageous!

    Take away message: run the numbers for your situation; don’t just assume a card with an annual fee isn’t the best deal.

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