Earn Bonus Cash Back for Regular Household Spending – With NO Annual Fee

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Earn Bonus Cash Back for Regular Household Spending – With NO Annual Fee

Million Mile SecretsEarn Bonus Cash Back for Regular Household Spending – With NO Annual FeeMillion Mile Secrets Team

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For many folks, paying for gas and groceries each month is a big regular expense.  If this is your situation, and you are looking for a good cash back rewards credit card with no annual fee, the Blue Cash Everyday® Card from American Express may be right for you.

With 3% cash back at US supermarkets (on up to $6,000 in purchases per year, then 1%), and 2% cash back at US gas stations and US department stores like Macy’s and Sears,  the AMEX Blue Cash Everyday is a good pick for folks who spend a lot in these categories but don’t want an annual fee.

But if you are new to miles and points, there are better options to consider!

AMEX Blue Cash Everyday Review
Earn Bonus Cash Back at US Supermarkets With the AMEX Blue Cash Everyday Card, on up to $6,000 in Spending per Year

I’ll share my review of the AMEX Blue Cash Everyday card.  And help you decide if it’s worth signing-up for!

AMEX Blue Cash Everyday $150 Bonus

     Link:   Blue Cash Everyday® Card from American Express

The AMEX Blue Cash Everyday card offers a $150 statement credit after spending $1,000 on purchases in the first 3 months of account opening.

And you’ll earn:

  • 3% cash back at US supermarkets (up to $6,000 in purchases per year, then 1%)
  • 2% cash back at US gas stations and select US department stores
  • 1% cash back on everything else
  • Terms Apply

That means you’ll earn a minimum of $160 after meeting the minimum spending requirements ($150 statement credit from bonus + at least $10 cash back from minimum spending).  And you’ll earn even more cash back if you frequently use the card at US supermarkets, US gas stations, and US department stores.

AMEX Blue Cash Everyday Review
If You Frequently Shop at US Supermarkets, Gas Stations, or Department Stores, the AMEX Blue Cash Everyday Card Will Put Lots of Cash Back in Your Wallet!

This card has no annual fee.  But it isn’t a good card to use abroad, because it adds foreign transaction fees.

AMEX Blue Cash Everyday Card Perks

In addition to the $150 bonus, you’ll get these perks:

  • Free 2-day shipping from over 140 online stores with a complimentary ShopRunner membership
  • Extended warranty protection (1 additional year) on purchases with a manufacturer’s warranty of 5 years or less
  • 90-day return protection on purchases made in the US or US territories (up $300 per item and $1,000 per calendar year)
  • Roadside assistance hotline for arranging services like tow trucks (the card does not pay for the services, but will help you arrange them)
  • Car rental loss and collision coverage (secondary coverage only, liability coverage is not included)
AMEX Blue Cash Everyday Review
A Free ShopRunner Membership and 2% Cash Back at Department Stores Is a Good Deal for Shoppers

You will also be eligible for money-saving discounts through AMEX Offers.  These offers vary by company, but are a great way to get even more cash back on purchases you are already making!  Be sure to register your card before taking advantage of an offer.

Is the AMEX Blue Cash Everyday Card Right for You?

If you want a card with no annual fee and frequently spend money at supermarkets, gas stations, and department stores, the AMEX Blue Cash Everyday card is a good deal.

The 3% cash back at US supermarkets is the highest earning rate we have seen on a credit card with no annual fee.  And the 3% cash back applies to the first $6,000 in purchases at US supermarkets each calendar year.  If you spend the full amount, that’s $180 in cash back just for shopping at the supermarket!

The complimentary ShopRunner membership is also a great benefit.  If you frequently shop at any of the 140+ included stores, you’ll be eligible for unlimited free 2-day shipping and free returns.  ShopRunner partners with a wide range of stores such as Neiman Marcus, Bloomingdales, and Brooks Brothers.  They also partner with office stores like Staples and LD Products, which could come in handy if you need office supplies in a hurry.

AMEX Blue Cash Everyday Review
Who Needs to Go to Staples in Person When You Have Unlimited Free 2-Day Shipping?

The access to AMEX Offers is also a great perk that can earn you even more cash back for purchases.

That said, this is not the best offer we’ve seen for the AMEX Blue Cash Everyday card.  And because AMEX only lets you get the bonus on a card once per person per lifetime, if you’re not in a rush to get the card, it could be worth holding out for a better offer.

Consider Your Spending Habits and Goals Before You Apply

If you have a lot of spending at US supermarkets, US gas stations, and US department stores, you will be better off with the Blue Cash Preferred® Card from American Express.  That’s because it’s not hard to earn enough cash back to cover the $95 annual fee and still come out ahead.

On the other hand, if you do little or no spending in these bonus categories, you may be better off with a cash back card like the Citi Double Cash Card, which offers 1% cash back when you make the purchase and another 1% cash back when you pay at least the minimum payment.

Or you could consider a card like the Chase Freedom, which offers 5X points on rotating categories each quarter.  Or the Chase Freedom Unlimited, which offers unlimited 1.5% cash back on all purchases.

The information for the Chase Freedom® and Chase Freedom Unlimited® has been collected independently by Million Mile Secrets. The card details on this page have not been reviewed or provided by the card issuer.

For folks who are looking for a credit card with lots of travel perks, there are also better options available, like the AMEX Platinum Card or the Chase Sapphire Reserve, but these cards have high annual fees.

AMEX Blue Cash Everyday Review
If You Have World Travel on the Mind, There Are Better Credit Card Options Available

Chase has a ton of credit cards for travel, like the Chase Sapphire Reserve and Chase Sapphire Preferred, but also brand-specific cards, like the British Airways Visa Signature Card and the  Marriott Rewards Premier Credit Card.  And these cards often have more valuable bonuses.

If you can’t apply for Chase cards for a while or aren’t close to opening 5 cards in the last 24 months, this card could be a good option for you!  Here’s an easy way to check your 5/24 status.

Remember that American Express limits intro bonuses to once per lifetime.  So if you have ever had the AMEX Blue Cash Everyday card in the past, you are NOT eligible to receive the welcome bonus again!  But the Blue Cash Everyday and Blue Cash Preferred are different card products, so if you’ve earned the bonus on one, you are still eligible for the other.

If you’re new to this hobby, I’d suggest applying for the Chase cards you want first.  That way you aren’t restricted by Chase’s approval rules.

Should You Consider the AMEX Blue Cash Preferred Card Instead?

     Link:   Blue Cash Preferred® Card from American Express

The AMEX Blue Cash Preferred card is similar to the AMEX Blue Cash Everyday card, except that it has a $95 annual fee.  And you’ll earn more bonus cash back in the same categories as the AMEX Blue Cash Everyday.

It has a $200 bonus after spending $1,000 on purchases in the first 3 months of account opening.  And the card has higher earning rates at US supermarkets, US gas stations, and US department stores:

  • 6% cash back at US supermarkets (up to $6,000 in purchases per year, then 1%)
  • 3% cash back at US gas stations and select US department stores
  • 1% cash back on everything else
AMEX Blue Cash Everyday Review
Review Your Spending Habits to See If It Makes Sense to Go With the AMEX Blue Cash Preferred Card

So if you spend at least $3,172 per year ($61 per week) at US supermarkets, you’ll earn enough cash back to cover the $95 annual fee and still earn more than the AMEX Blue Cash Everyday card.

With the AMEX Blue Cash Preferred card, you would earn:

  • 6% cash back at US supermarkets X $3,172 in spending  = ~$190
  • Annual fee of $95
  • Net Result = $95 ($190 cash back – $95 annual fee)

With the AMEX Blue Cash Everyday card, you would earn:

  • 3% cash back at US supermarkets X $3,172 in spending  = ~$95

And with the AMEX Blue Cash Preferred, any additional spending at US supermarkets will earn 6% cash back until you reach the $6,000 annual limit (1% cash back after that).

Similarly, if you spend at least $9,504 ($183 per week) at US gas stations and US department stores, you’ll earn enough cash back to cover the $95 annual fee and still earn more than the AMEX Blue Cash Everyday card.

With the AMEX Blue Cash Preferred card, you would earn:

  • 3% cash back at US gas stations and US department stores X $9,504 in spending  = ~$285
  • Annual fee of $95
  • Net Result = $190 ($285 cash back – $95 annual fee)

With the AMEX Blue Cash Everyday card, you would earn:

  • 2% cash back at US gas stations and US department stores X $9,504 in spending  = ~$190

Most folks likely have a combination of spending in these categories each month, so make sure you consider your personal spending habits.

Bottom Line

If you are looking for a cash back credit card with no annual fee, the AMEX Blue Cash Everyday card may be right for you.

You’ll earn 3% cash back at US supermarkets, which is the best-earning rate available for a no-annual-fee card.  You’ll also earn a $150 bonus after spending $1,000 on purchases in the first 3 months.

If you have a lot of spending at US supermarkets, US gas stations, and US department stores, you may be better off with the AMEX Blue Cash Preferred card.  Or if you have little to no spending in these categories, consider another card that has a higher earning rate for all purchases, like the Chase Freedom Unlimited.

Folks who are new to miles and points should consider other cards first.  Especially if you are looking for a big bonus or if you are interested in any Chase cards.

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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $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 and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

More Info

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Helpful article for some cards not often discussed in the points community. Do these earn full transferable AMEX Membership Reward points? Or is it actually cash back?