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Amex Blue Cash Everyday review: Earn bonus cash back for regular household spending, with no annual fee

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Amex Blue Cash Everyday review: Earn bonus cash back for regular household spending, with no annual fee

Meghan HunterAmex Blue Cash Everyday review: Earn bonus cash back for regular household spending, with no annual feeMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

With 3% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%) and 2% cash back at U.S. gas stations and select U.S. department stores, the Blue Cash Everyday® Card from American Express is a good pick for folks who spend a lot in these categories but don’t want an annual fee (see rates and fees).

Apply for the Amex Blue Cash Everyday Card here.

But if you are new to miles and points, there are better options to consider. Here’s our review of the AMEX Blue Cash Everyday to help you decide if it’s worth applying for.

Earn bonus cash back at U.S. supermarkets with the Amex Blue Cash Everyday Card, on up to $6,000 in spending per year. (Photo by George Rudy/Shutterstock)

Who is the AMEX Blue Cash Everyday for?

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.

Just remember, 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.

It’s also worth considering your Chase 5/24 status given Chase’s strict approval rules. If you’re new to this hobby, there are other more valuable travel rewards credit cards out there that are worth applying for first.

Current offer

The Amex Blue Cash Everyday offers a $150 statement credit after you spend $1,000 on purchases in the first three months of account opening.

Benefits and perks

Along with the welcome bonus you’ll earn:

  • 3% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%)
  • 2% cash back at U.S. gas stations and select U.S. 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 U.S. supermarkets, U.S. gas stations and select US department stores.

You’ll also get perks like free two-day shipping from over 140 online stores with a complimentary ShopRunner membership, extended warranty protection, return protection and more. Plus you’ll be eligible for money-saving discounts through Amex Offers, which can save you hundreds per year.

How to redeem your cash back

You’ll be able to redeem the cash back you earn as a statement credit.

Is the annual fee worth it?

This card has no annual fee. But it’s worth noting that it does charge a 2.7% foreign transaction fee (see rates and fees), so it isn’t a good option to use overseas.

Insider tips

If you spend a decent amount at U.S. supermarkets every year, you might want to consider the Blue Cash Preferred® Card from American Express instead.

The AMEX Blue Cash Preferred is similar to the Amex Blue Cash Everyday, 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 $250 statement credit after you spend $1,000 on purchases in the first three months of account opening. And the card has higher earning rates at U.S. supermarkets, U.S. gas stations and select U.S. department stores:

  • 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%)
  • 6& cash back on select U.S. streaming subscriptions
  • 3% cash back at U.S. gas stations and on transit
  • 1% cash back on everything else
  • Terms apply

It’s not hard to earn enough cash back to cover the $95 annual fee (see rates and fees) 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 (up to $1,500), or the Chase Freedom Unlimited, which offers unlimited 1.5% cash back on purchases.

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 U.S. supermarkets, which is the best-earning rate available for a no-annual-fee card.  You’ll also earn a $150 bonus after you spend $1,000 on purchases in the first three months.

If you have a lot of spending at U.S. supermarkets, U.S. gas stations, on transit and select U.S. streaming subscriptions, you may be better off with the AMEX Blue Cash Preferred card. 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.

For rates and fees of the Blue Cash Preferred Card, please click here.
For rates and fees of the Blue Cash Everyday Card, please click here.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • 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 and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • 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

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Trying to decide between this card and a Discover cashback card. Ideas

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?

Hi Jason! It’s cashback “Blue Cash Reward Dollars” which you can redeem as a statement credit.