Blue Cash Everyday® Card from American Express: Is it right for you?

Blue Cash Everyday® Card from American Express: Is it right for you?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Editor's Rating

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Decent cash back card for low spenders.

Good For

  • High rewards rate for U.S. supermarket and U.S. gas station purchases; Cash back is simple to redeem; Good option for rotating with other cards; No annual fee.

Bad For

  • Bonus cash back is limited to $6,000 in combined purchases each year; The rate that you earn cash back on most purchases is low.
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Editor's Rating

?
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Decent cash back card for low spenders.

Good For

  • High rewards rate for U.S. supermarket and U.S. gas station purchases; Cash back is simple to redeem; Good option for rotating with other cards; No annual fee.

Bad For

  • Bonus cash back is limited to $6,000 in combined purchases each year; The rate that you earn cash back on most purchases is low.
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Citi is an advertising partner

The Blue Cash Everyday® Card from American Express ranks among the top cards for everyday purchases, thanks to its 3% cash back rate on U.S. supermarket purchases on up to $6,000 in purchases each year. While it’s far from the most rewarding credit card in the grocery category, it’s one of your best options for earning cash back at supermarkets within the U.S. without having to pay an annual fee.

This offer and/or promotion may have since changed, expired, or is no longer available.

Blue Cash Everyday® Card from American Express

$0

13.99%-23.99% Variable

Good/Excellent

  • Earn a $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.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
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Blue Cash Everyday® Card from American Express: A good shopping companion

For cardholders who want a good no-annual-fee card for everyday purchases, the Blue Cash Everyday® Card from American Express offers a few appealing features:

3% cash back on U.S. supermarket purchases for a $0 annual fee

The main reason to apply for the Blue Cash Everyday® Card from American Express is that it rewards you generously for U.S. supermarket purchases. The Blue Cash Everyday® Card from American Express offers a cash back program with 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% cash back on other purchases. Though the supermarket bonus is capped at $6,000 in purchases per year, it’s a pretty generous limit, amounting to $180 in cash back on top of your other earnings.

Cashback welcome bonus

As an extra incentive to apply, the Blue Cash Everyday® Card from American Express offers a fair welcome bonus: Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. If you can manage to spend around $300 per month to reach the spending threshold, you’ll have a nice chunk of cash to help pay off your balance.

Redeem cash back easily

Nothing beats the flexibility of cashback rewards, and American Express makes it easy to redeem your cash back. Once you earn at least $25 in cash back, you can log in to your account and redeem rewards as a statement credit, or apply them toward gift cards or merchandise.

Get extra time to pay off a balance

If you’re looking to finance a new purchase or pay off a balance at 0%, the Blue Cash Everyday® Card from American Express comes with a longer-than-average introductory offer: New cardholders get an APR of 0% for 15 months on purchases and balance transfers (13.99%-23.99% Variable APR thereafter).

If you’re anticipating a major purchase, the card’s introductory APR combined with its welcome bonus can help you meet your budget.

Protect your purchases

Aside from its cashback rewards, the Blue Cash Everyday® Card from American Express has you covered in case a purchase is damaged or stolen. The card offers up to $1,000 per purchase and to up to $50,000 per year in coverage for eligible purchases.

Value Penguin’s verdict: A solid option for food and gas

If you want a dedicated card for supermarkets and gas stations and don’t want to pay an annual fee, The Blue Cash Everyday® Card from American Express may be the way to go.

You’ll earn a substantial amount of cash back before you hit the $6,000 earning cap. Even better, you can juggle this card with a flat-rate cashback card — like the Citi® Double Cash Card – 18 month BT offer — to earn extra cash back on purchases not covered by the card’s bonus categories.

However, it’s not our top choice for supermarket purchases (read more about the Blue Cash Preferred card below). If you’re willing to pay an annual fee, or you’re looking for the best all-around cashback credit card, see our recommendations below.

Alternatives to the Blue Cash Everyday® Card from American Express

For a card with a $0 annual fee, the Blue Cash Everyday® Card from American Express offers good rewards on U.S. supermarket and gas purchases. Still, there are better options for supermarket purchases, and more rewarding cards for everyday purchases:

Earn more cash back on U.S. supermarket purchases

Blue Cash Preferred® Card from American Express

$95

13.99%-23.99% Variable

Good/Excellent

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.
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The Blue Cash Preferred® Card from American Express offers twice as much cash back on U.S. supermarket purchases: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases. The card also offers 6% cash back on select U.S. streaming subscriptions and 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more. All these earning categories make it a rewarding option for a wide variety of purchases.

It does come with a $95 annual fee, but that fee is well worth it. If you max out the card’s $6,000 annual limit on U.S. supermarket purchases, you can earn $360 in cash back on that category alone. Plus, the card comes with a generous welcome bonus: Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

Earn 2% cash back

  • On Citibank's Secure Website
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If you want a single card to use on every purchase, the Citi® Double Cash Card – 18 month BT offer is much more rewarding than the Blue Cash Everyday® Card from American Express. The Citi® Double Cash Card – 18 month BT offer lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Unlike the Blue Cash Everyday® Card from American Express, the Citi® Double Cash Card – 18 month BT offer doesn’t offer any kind of welcome bonus. However, its high rate of cash back easily beats the Blue Cash Everyday® Card from American Express in the long term.

5% cash back on everyday purchases

On the other hand, if earning categories appeal to you, the Discover it® Cash Back is one of the best bonus category cards. The card lets you Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Since the categories rotate and require enrollment each quarter, you’ll have to do a little more maintenance with the Discover it® Cash Back.

However, the extra effort pays off, especially for new cardholders. Discover automatically matches all the cash back you earn at the end of your first year, meaning all the cash back that you earn in year one is doubled.

Terms apply to American Express credit card offers. See americanexpress.com for more information.

Comparison Tool

Our comparison tool can help you evaluate how each credit card works for your budget and spending habits. Check out the different options below and click on the gear icon to adjust the spending amount in each category.

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For rates and fees of the Blue Cash Preferred® Card from American Express, please click here.

Robin Ratcliff is a Managing Editor with ValuePenguin. A longtime writer and editor in the credit card space, Robin offers expert advice on credit card products and rewards programs.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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