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.
Highlighting 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.
The Blue Cash Everyday card is also offering the opportunity to get 100 reward dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new card in the first three months of cardmembership!
There is no limit to the amount of rewards you can earn, no spend minimum, and no rotating categories.
You can find out more about this card and APPLY HERE.
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 12 months, then a variable rate, which is based on your creditworthiness and other factors. I would recommend paying your monthly balance in full EVERY single month.
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.
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.
You can find out more about this card and APPLY HERE.
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.
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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!
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.
19 out of 20 (rough estimate) have Amex though, so it works just fine if you have a backup credit or debit card. Don’t know that I’d look at that as a deal breaker. I think Amex’s reach is bigger than Discover.
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.
Fair enough. Most people don’t spend enough to justify the added payback of an annual fee card, so that’s why I blanket that message. But there are outliers, as you evidence.
I have had this card since 2002. I have used it less these days because the interest rate is non-comptetitive, but still use it rarely for international travel. I had a 0 balance in February 2014. Without warning, their wallet protector service auto-billed to it in March 2014 ($39.99). This was the only charge that billing cycle. I did not check the statement since I had not used the card. There was no warning of the impending charge. In April 2014, American Express tacked on a $25 late fee (total balance now $64.99 and jacked up my rate to the penalty rate of 27% for this. They refused to remit the late fee or penalty rate. Inasmuch as the only balance on the card was initiated by american express itself and it was done without warning, I feel the practice is predatory. I have filed a complaint with the government’s CFPB, as it seems this was the sort of practice they were created for.
I would advise extreme caution with these jerks as this is the way they treat a customer of a dozen or more years.