Blue Cash Everyday® Card from American Express Review 2024

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Last Updated on July 3, 2024 by Archie Biggs

Blue Cash Everyday from American Express
4.5
Editors Choice
Earn $200 back after you spend $2000 in the first 6 months
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POSITIVES
  • Stellar Introductory APR Offer
  • No Recurring Annual Fees
  • Rich Rewards Program & Welcome Offer
  • Expansive Cash Back Earning Potentia
NEGATIVES
  • Foreign Transaction Fees
  • Cap on 3% Cash Back Category
  • Exclusions on Certain U.S. Supermarkets

  • Consequences for Late or Missed Payments

Smart Promise

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Intro Offer Rewards Rate Regular APR Annual Fee Cash Back Credit Needed
Earn a $250 statement credit after you spend
$2,000 in purchases on your new Card within the first 6 months.		 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
1% Cash Back on other purchases.		 19.24% – 29.99%
(Variable)		 $0 $200 Excellent,
Good

Other cardholder perks

 
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account openingBox Content
 
Earn unlimited 1.5% cash back on every purchase, every dayBox Content
 
$0 annual fee and no foreign transaction fees
 
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
 
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
 
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn
 
0% intro APR on purchases and balance transfers for 15 months; 19.74%-29.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
 
 
 
4.5Smart Score
Advantages and Disadvantages
Why we like this card
Pros
  • Stellar Introductory APR Offer
    The Blue Cash Everyday Credit Card from American Express shines in its promotional APR deal for newcomers. This excellent offer gives cardholders an impressive 0% APR for their initial 15 months on both purchases and balance transfers. After this period, a variable rate from 18.99% to 29.99% applies, still remaining competitive in today’s financial market. This top-tier introductory offer makes the card an appealing selection, particularly for those seeking to establish their credit standing while also saving considerably on interest charges.
  • No Recurring Annual Fees
    Another prime attribute of the Blue Cash Everyday Card is the elimination of annual fees, which is a standout feature not to be overlooked. This translates to enjoying the wealth of benefits and privileges this card offers without being burdened by any annual cost. A truly refreshing approach that affirms the cardholder’s value, placing their financial freedom and peace of mind at the forefront.
  • Rich Rewards Program & Welcome Offer
    With the Blue Cash Everyday Card, you don’t just get a card with zero annual fees; you get a comprehensive rewards platform that’s a cut above the rest. New cardholders are warmly welcomed with an irresistible offer, a testament to the card’s commitment to delivering value from day one. Moreover, its tiered rewards system lets you earn 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases on the first $6,000 spent per category annually (1% thereafter), plus 1% cash back on all other purchases.
  • Expansive Cash Back Earning Potential
    The Blue Cash Everyday Card is a great ally for your everyday spending, with its cash back program that rewards you on every purchase you make. Its substantial welcome offer boosts your cash rewards potential right from the get-go, making it an effective tool for maximizing your daily spending.
Cons
  • Foreign Transaction Fees
    A noticeable limitation of the Blue Cash Everyday Card is its 2.7% foreign transaction fee, an additional cost that may become substantial for globetrotters or individuals who frequently make international purchases. This fee can somewhat dampen the otherwise exceptional features of this card when used outside the U.S.
  • Cap on 3% Cash Back Category
    While the 3% cash back rate on U.S. supermarkets is attractive, it does come with a ceiling of $6,000 spent annually. Once you cross this limit, the cash back rate drops to 1%, which could prove restrictive for households with considerable grocery spending.
  • Exclusions on Certain U.S. Supermarkets
    It’s worth noting that not all retail venues qualify for the 3% cash back category. Specifically, wholesale clubs and superstores like Target and Walmart are excluded. This caveat could pose a minor inconvenience for some cardholders who frequently shop at these popular retail locations.
  • Consequences for Late or Missed Payments
    The Blue Cash Everyday Card, like many credit cards, imposes penalties for late or missed payments. These can include a fee of up to $40 and a higher penalty APR lasting for at least six months. This punitive measure can present a significant drawback for cardholders who may, from time to time, find it challenging to maintain punctual payments.

Diving Deep into the Perks: Unearthing the Real Benefits of the Blue Cash Everyday® Card from American Express!

 

 
Annual Fee
Intro offer
Rewards rate
Spec
american express
Blue Cash Everyday from American Express

Blue Cash Everyday® Card from American Express

<mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-cyan-blue-color">Smart Score</mark> 4.5
Apply Now
Annual Fee
Annual Fee
$0
Intro offer
Intro Offer
Earn a $200 statement credit after you spend $2,000
Rewards rate
Rewards Rate
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
1%1% Cash Back on other purchases.
Spec
Recommended Credit Score
Good to Excellent (670 –  850)Hover for more
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<mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-cyan-blue-color">Smart Score</mark> 4.9
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Annual Fee
Annual Fee
$0
Intro offer
Intro Offer
 Cashback Match
Rewards rate
Rewards Rate
0% intro APR for 15 months on purchases and
balance transfers
Spec
Recommended Credit Score
Good to Excellent (670 – 850)Hover for more

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<mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-cyan-blue-color">Smart Score</mark> 4.7
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Annual Fee
Annual Fee
$0
Intro offer
Intro Offer
 Cashback Match
Rewards rate
Rewards Rate
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Spec
Recommended Credit Score
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