American Express
Blue Cash Everyday® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to $200 Cash Back |
| Rewards Rate | 1%-3% Cash Back |
| Intro APR | 0% intro APR on purchases and balance transfers for 15 months from the date of account opening |
| Regular APR | then a variable APR, 19.49% to 28.49%. |
| Other Fees | Foreign transaction fee of 2.7% on each transaction after conversion to U.S. dollars. |
| Network | American Express |
About this card
The Blue Cash Everyday® Card from American Express is an excellent no-annual-fee cash-back card, meriting an overall rating of 4.1. Its primary strengths lie in its highly competitive rewards program, offering 3% cash back on essential everyday spending categories (U.S. supermarkets, U.S. online retail, U.S. gas stations) up to generous annual caps, coupled with a valuable $84 Disney Streaming Credit. The absence of an annual fee significantly enhances its value proposition, making it a highly accessible and attractive option for budget-conscious consumers. American Express's strong brand reputation for customer service and cardholder benefits further solidifies its standing. The card also features a compelling 0% intro APR on purchases and balance transfers for 15 months, which is a significant advantage for new cardholders or those looking to manage debt. While the regular APR can be quite high after the introductory period, and the 2.7% foreign transaction fee is a drawback for international travel, these weaknesses are largely offset by the card's numerous benefits. It perfectly fits its target audience of everyday spenders seeking practical rewards without an annual fee, delivering a strong overall value proposition.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High cashback rate in popular categories
- Streaming service credits
- Travel and purchase protection
Things to consider
- High regular APR
- Limited rewards categories with annual caps
- Foreign transaction fees apply
- Balance transfer fees apply
What this card offers
Sign-up bonuses
- AS HIGH AS $200 Cash Back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
- Welcome offers vary and you may not be eligible for an offer.
Rewards
- Card Members can earn 3% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
- Card Members can earn 3% cash back on eligible U.S. online retail purchases, on up to $6,000 per year in purchases (then 1%).
- Card Members can earn 3% cash back on eligible purchases at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
- Card Members can earn 1% cash back on other eligible purchases.
Other features
- $84 Disney Streaming Credit: With the $84 Disney Streaming Credit, get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites.
- Cash Back at Amazon.com Checkout: Shop now and conveniently use cash back at checkout at Amazon.com. Your cash back has the same value at Amazon checkout as it does if you redeem as a statement credit.
- Send & Split®: Send money, split purchases, and focus on the moments that matter – with Send & Split®. Powered by Venmo and PayPal. Enrollment Required. Terms apply.
- Amex Special Ticket Access and more: Card Members can access Amex Presale Tickets® and Amex Reserved Tickets® to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events.
- Earn More with Amex Offers: Card Members can explore the Amex Offers available to add to their eligible Card and earn extra rewards on qualifying purchases made at select brands.
- Car Rental Loss and Damage Insurance: When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
- Global Assist® Hotline: Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
- Instant Card Number: If your application is approved and you are eligible, you can begin using your Card number online and through your digital wallet, including Apple Pay, Google Pay, Samsung Pay, PayPal and Amazon Pay today.
- Balance Transfer Offer: You can request a Balance Transfer within the first 60 days of account opening. Fees apply.
- Purchase Protection: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
- Dispute Resolution: If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.
- Additional Cards: You can add an Additional Card for anyone who makes purchases for you.
Additional Notes
Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.