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Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

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Rated 4/5 stars by our editorial team

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3.7/5.0 from 72 Offer Ratings
Over the Past 60 Days!

(72 ) Over the Past 60 Days!

  • Regular Purchase APR 14.49%-25.49% Variable
  • Intro Purchase APR 0% for 15 months
  • Intro BT APR 0% for 15 months
  • Annual Fee $0
  • Credit Needed

    Excellent/Good

  • Card Brand American Express

Highlights

Card Fees

Expert Review of the Blue Cash Everyday® Card from American Express

  • 3.0

    Regular APR

  • 5.0

    Intro APR

  • 4.0

    Fees

  • 4.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who the card is best for

The Blue Cash Everyday® Card from American Express is good for people with Excellent/Good credit who frequently spend on groceries, specifically $3,167 or less a year. At this spending, you’ll earn one of the highest rates on grocery purchases of any card in the CompareCards database (second only to the Blue Cash Preferred® Card from American Express). Also, if you’re looking to complete a balance transfer or make a large purchase and want to avoid interest, this card has a good intro period for you to get your finances in check.

This card isn’t designed for people who are big spenders in grocery ($3,167 or more annually). Big spenders are better off with the Blue Cash Preferred® Card from American Express, which earns a higher cash back rate for U.S. supermarket spending, and although there is an annual fee, spending over $3,167 on groceries will outweigh the fee. If you want to earn cash back but aren’t a frequent grocery shopper and don’t spend on gas or at select department stores, you won’t reap the full benefits from the cash back rewards this card offers. You may be better with other cash back cards. Also, if your primary goal is to complete a balance transfer, you can find better balance transfer cards with longer 0% intro periods, and cards that offer $0 intro transfer fees.

Where this card stands out in its category

The Blue Cash Everyday® Card from American Express offers a great rate for frequent grocery shoppers: 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.. A benefit of this card is that the higher rate categories don’t rotate — they’re consistent throughout the year and no activation is needed. American Express also provides you with great added perks (exclusive entertainment access, free ShopRunner membership) that make this card worthwhile beyond the cash back program and 0% intro period offer.

Where this card falls short in its category

Although the cash back rate is great, the Blue Cash Everyday® Card from American Express does cap the cash back you earn from U.S. supermarket spending. This can create limits on your higher cash back earning potential, depending on how much you spend in the high-rate categories. Regarding the 0% intro period, it is average in comparison to other cards, but you can find cards with longer offers. There is a balance transfer fee that can cost you a few hundred dollars if you transfer a large balance: (Either $5 or 3% of the amount of each transfer, whichever is greater.. Some cards offer significant savings with more favorable transfer fees, like the Chase Slate® or BankAmericard® Credit Card.

Additional card benefits

The Blue Cash Everyday® Card from American Express provides several additional benefits on top of its cash back program and 0% intro period:

  • Global Assist® Hotline: Traveling more than 100 miles from home qualifies you for 24/7 access to the Global Assist® Hotline. This feature offers various services that range from medical, legal, and financial information to select emergency coordination and assistance services. You’re responsible for the costs charged by third-party service providers.
  • Roadside Assistance Hotline: If you’re in the U.S., Canada, Puerto Rico or the U.S. Virgin Islands, you can qualify for emergency services like towing, changing of a flat tire or a battery boost. Third-party service costs are your responsibility, and there are some vehicle and road exclusions.
  • ShopRunner: With over 140 online stores, you can receive free two-day shipping on eligible items. Exclusions apply; learn more at shoprunner.com/amex.
  • Exclusive entertainment access: One of American Express’s better-known benefits is exclusive access to ticket presales and cardmember-only events in select cities. Events include: Broadway shows, concert tours, family and sporting events, and more.
  • Fraud protection: You won't be held responsible for any fraudulent charges.

How to use it most effectively

To get the most out of your Blue Cash Everyday® Card from American Express, make sure you use it on all grocery purchases, as well as gas and applicable department stores so you earn the high rate on those transactions. If you want to earn the sign-up bonus, make sure you complete the required spending in the given time frame: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.. If you plan on completing a balance transfer or financing a large purchase, make sure you do so as soon as possible (within 60 days for the balance transfer offer). Once your transfer or purchase is complete, make frequent on-time payments with the goal of paying off your balance before the intro period is over. This way you won’t be charged the 14.49%-25.49% Variable interest once the intro period is over.

How to do a balance transfer with American Express

The total amount of your balance transfer request, including fees and interest charges, cannot be less than $100 and cannot exceed the lesser of $7,500 or 75% of your credit limit. For example, if your credit limit is $20,000, your transfer can’t exceed $7,500, and if your limit is $5,000, your transfer can’t be more than $3,750. Simply multiply your credit limit by .75, and if the value is less than $7,500, that is the maximum you can transfer, otherwise your maximum is $7,500. Your balance transfer must be completed within 60 days from account opening in order to take advantage of the $0 intro balance transfer fee and 0% intro APR period.

You can complete your balance transfer by calling the number on the back of your card or online by going to americanexpress.com/balancetransfer. Have the account number and balance of the card with the debt ready. Your transfer usually takes five to seven days, but in some cases it may take up to six weeks. Also, transfers won’t be processed until at least 10 days after account opening (giving you time to change your mind).

Rewards breakdown

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.. This card is great for grocery spenders, especially those who spend $3,167 (or less) a year on groceries. We explain why this is the key amount in our comparison to the Blue Cash Preferred® Card from American Express below. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. In addition to a cash back program, there is a good intro bonus that allows you to earn extra cash back within the first few months of account opening: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months..

Compare it with the Blue Cash Preferred® Card from American Express

The Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express are comparable cards that both offer higher rates on spending at U.S. supermarkets, U.S. gas stations and select U.S. department stores. However, they differ in rewards rate, annual fee and 0% intro offers. The Blue Cash Everyday® Card from American Express offers 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., while the Blue Cash Preferred® Card from American Express offers 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 3% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.. You may be tempted by the higher rates of the Blue Cash Preferred® Card from American Express, but be aware of the annual fee.

While the Blue Cash Everyday® Card from American Express has a $0 annual fee, the Blue Cash Preferred® Card from American Express has a fee — $95. Factoring in the annual fee (or lack of) for each card, we’ve narrowed down who each card is best for. If you spend $3,167 or less a year in groceries, the Blue Cash Everyday® Card from American Express is a better fit. That’s because $3,167 is the break-even point where you will start to see more cash back with the Blue Cash Preferred® Card from American Express, making this card a better choice for big grocery spenders. See below for a breakdown of the key elements of both cards.

  Blue Cash Everyday® Card from American Express Blue Cash Preferred® Card from American Express
Annual Fee $0 $95
Balance Transfer Terms 0% for 15 months 0% for 12 months
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater. Either $5 or 3% of the amount of each transfer, whichever is greater.
Ongoing APR 14.49%-25.49% Variable 14.49%-25.49% Variable
Transfer Period 60 days from account opening N/A
Rewards 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.. 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 3% cash back at U.S. gas stations and at select U.S. department stores. 1% cash back on other purchases.

Bottom Line

The Blue Cash Everyday® Card from American Express is a good option for grocery shoppers who want to earn a high rate on purchases and also have a decent 0% intro period. The cash back you earn is at a great rate, and you have the chance to rid yourself of debt during the intro period.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

3.7/5.0

72 Total Ratings

5 Star
 
 
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4 Star
 
 
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(5)
1 Star
 
 
(2)

Your Rating

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+51 users submitted a rating without a full review

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25 Found this review helpful

By: | Nov 27, 2017

One of the best cards!

22 Found this review helpful

By: | Nov 21, 2017

No hassle and the customer service professionals are always helpful. Really like the new pay on it feature. Allows you to focus on select charges. Great card

24 Found this review helpful

By: | Nov 10, 2017

Love this card for travel! The services when you're on the go is amazing! The interest rate is comparable to others, and the customer service is outstanding. Only thing keeping it from a 5 star is that AMEX isn't accepted everywhere.

31 Found this review helpful

By: | Oct 9, 2017

American Express Blue Cash Credit Card is the best credit card that I own right now. It is one of the best credit cards to start developing a good credit history.

23 Found this review helpful

By: | Sep 8, 2017

Love it, use it often.

59 Found this review helpful

By: | May 9, 2017

I love this card. It would be the only I card I ever use except some places don't accept Amex. I love the cash rewards, the excellent customer service and the way they monitor my account in regards to fraud. Amex really has my back.

75 Found this review helpful

By: | Apr 19, 2017

Love this card like no other. It's the only one in my wallet.

114 Found this review helpful

By: | Mar 24, 2017

Easy access to online services, pay bill monthly, easy access to statements online. Very friendly customer service!

164 Found this review helpful

By: | Nov 15, 2016

i love this card. Amex securty is the best in the businnes and there coustmer service is one of the best.

170 Found this review helpful

By: | Jul 4, 2016

We have used our AMEX card as your primary card and enjoyed the benefits. Now that Costco as switched to Visa, we will use Costco Visa and CITI 2% cash back as primary cards. Great service from American Express. We will not cancel AMEX blue

176 Found this review helpful

By: | Oct 21, 2015

AMEX Blue Cash Everyday, a MUST in your wallet Personally, besides all the main features, specially the cash back, I think that the Travel Insurance, Purchase & Return Protection, and Extended Warranty are undoubtedly a MUST added Bonus. You never know when you are going to need these, specially now days with so many situations to worry about in our lives… “better safe than sorry!”. I do have another AMEX card for quite sometime and Customer Service is always on point and very professional.

163 Found this review helpful

By: | Jan 8, 2015

I have the Blue. Not sure if it is the same as Blue cash. But Amex is a top quality company committed to their customers. I have had this card for a long time and i think their app on the phone is the best. They always run little deals on the app too which is nice. Like recently I had an Uber deal and an Amazon deal which gave me a $10 and $20 credit. But overall, any Amex card is good. No gotchas.

165 Found this review helpful

By: | Oct 29, 2014

I just signed up for the 15 mo. 0% interest and my offer was $250 if $1000 is spent within 3 mos. not $50. You need to keep up with the programs.

155 Found this review helpful

By: | Oct 8, 2014

It will not take long to earn enough points to earn your rewards. It is very simple to manage your American Express online: check your current balance, check your available credit, see your payment due date and amount, pay your bill, check your rewards balance, transfer balances from other credit cards, see your current and past statements, and you can select paperless billing as well. You can also activate Free Alerts to receive personalized phone or e-mail updates regarding specified account activity and transactions on your credit card accounts. The American Express App lets you pay bills, send money to another person, transfer money, check balances — and even deposit checks. Just take a picture of the front and back of an endorsed check using the American Express App. Point. Click. Deposit. It's that easy.

152 Found this review helpful

By: | Oct 8, 2014

Great Rewards for Running Your Business or Home Use I have had the American Express Business Rewards Card for over two years now and my only regret is that I didn't sign up for it sooner! The service on the card is excellent and the rewards can be redeemed in many different ways. I took my family on a wonderful vacation that cost me next to nothing, simply for using my card for my business expenditures!

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