Blue Cash Everyday® Card from American Express

Quick Snapshot

• Annual Fee: $0
• APR: 19.24%-29.99% variable
• Rewards: 3% at US supermarkets (up to $6,000/yr, then 1%), 3% at US gas stations, 3% on US online retail, 1% on everything else
• Bonus: $200 statement credit after spending $2,000 in the first 6 months
• Best For: Everyday spenders who want solid cash back on groceries, gas, and online shopping with no annual fee
• Credit Needed: Good to Excellent (670+)

Overview

The Blue Cash Everyday Card from American Express is a no-annual-fee cash back card that earns 3% at US supermarkets (on up to $6,000 per year, then 1%), 3% at US gas stations, and 3% on US online retail purchases, with 1% on everything else. It is the fee-free alternative to the Blue Cash Preferred, trading the higher 6% grocery rate for a $0 annual fee and broader 3% categories.

The card includes a $200 statement credit welcome bonus after spending $2,000 in the first 6 months, which is very achievable through normal spending. The standout feature for many cardholders is the 0% intro APR for 15 months on both purchases and balance transfers, providing over a year of interest-free financing for big purchases or debt consolidation.

For households that spend moderately at the grocery store and want a simple, fee-free card with bonus categories, the Blue Cash Everyday is hard to beat. The 3% on US online retail is especially valuable as more shopping moves online. While the Blue Cash Preferred earns more at supermarkets, households spending less than $3,167 per year on groceries actually come out ahead with the Everyday card since there is no annual fee to offset.

APR Breakdown

• Purchase APR: 0% intro APR for 15 months on purchases, then 19.24%-29.99% variable
• Balance Transfer APR: 0% intro APR for 15 months on balance transfers, then 19.24%-29.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None

Note: 0% intro APR for 15 months on purchases and balance transfers made within the first 60 days, then a variable rate of 19.24% to 29.99% based on your creditworthiness and the Prime Rate.

Benefits Overview

Three-Category 3% Cash Back

• 3% cash back at US supermarkets on up to $6,000 per year in purchases, then 1%
• 3% cash back at US gas stations (no annual cap)
• 3% cash back on US online retail purchases (no annual cap)
• 1% cash back on all other purchases

Introductory APR Offer

• 0% intro APR for 15 months on new purchases
• 0% intro APR for 15 months on balance transfers made within 60 days of account opening
• No annual fee ever

Everyday Protections

• Purchase protection covering eligible purchases for up to 90 days
• Extended warranty adding up to one year of additional coverage
• Car rental loss and damage insurance
• Fraud protection with $0 liability for unauthorized charges

Rewards & Points

• 3% cash back at US supermarkets (up to $6,000/yr, then 1%)
• 3% cash back at US gas stations
• 3% cash back on US online retail purchases
• 1% cash back on all other purchases

Cash back is earned as Reward Dollars and can be redeemed as a statement credit. There are no points to manage, no categories to activate, and no annual fee. Cash back does not expire as long as the account remains open and in good standing.

Welcome Bonus

Earn a $200 statement credit after spending $2,000 on eligible purchases within the first 6 months of card membership. The $2,000 spend requirement is very low, averaging just $333 per month. Most households will hit this through normal grocery, gas, and everyday spending without changing their habits.

Fees Summary

• Annual Fee: $0
• Balance Transfer Fee: 3% (min $5) within the first 60 days, then 4% (min $5)
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Foreign Transaction Fee: 2.7%
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• No-fee seekers who want solid cash back without paying any annual fee
• Online shoppers who buy frequently from US online retailers and want 3% back
• Moderate grocery shoppers who spend under $265/month at supermarkets and benefit more from $0 fee than higher rates
• Balance transfer users who want 15 months of 0% APR to consolidate debt
• First-time Amex holders looking for a straightforward no-fee entry into the American Express ecosystem

Not Good For

• Heavy grocery spenders who spend $265+ per month at supermarkets and would earn more with Blue Cash Preferred
• International travelers due to the 2.7% foreign transaction fee
• Points enthusiasts who want Membership Rewards points to transfer to airline and hotel partners

Key Pros & Cons

Pros

• No annual fee ever, making every dollar of cash back pure profit
• 3% at US supermarkets, gas stations, and US online retail covers major spending categories
• $200 welcome bonus with an easy $2,000 spending requirement
• 0% intro APR for 15 months on purchases and balance transfers
• US online retail 3% category is unique and increasingly valuable
• No categories to activate or rotate each quarter
• Purchase protection and extended warranty coverage included
• Simple cash back with no points conversions or portal requirements
• Good stepping stone to other Amex cards while building a relationship

Cons

• 3% grocery rate is half the Blue Cash Preferred's 6% rate
• $6,000 annual cap on supermarket purchases, then drops to 1%
• 2.7% foreign transaction fee makes it poor for international spending
• 1% on non-bonus categories is below the 1.5% to 2% offered by flat-rate cards
• Cash back redeemed only as statement credits
• No Membership Rewards points or transfer partner access
• No travel protections like trip delay insurance or baggage coverage
• Online retail 3% may not code correctly for all retailers

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Total estimated first-year value: $644 including the $200 welcome bonus with no annual fee to subtract. Ongoing annual value is approximately $444 based on consistent spending across bonus categories.

Should You Get This Card?

You Should Get It If...

• You want a no-annual-fee card with solid grocery, gas, and online retail rewards
• You spend under $265/month at supermarkets and the Preferred card's fee would not be worth it
• You shop online frequently at US retailers and want 3% back automatically
• You need a 0% intro APR for 15 months on purchases or balance transfers
• You prefer simple cash back with no category tracking or activation
• You want an easy-to-use everyday card with no annual fee commitment

You Should Skip It If...

• You spend heavily at supermarkets and would earn more with the Blue Cash Preferred despite its fee
• You travel internationally and need a card with no foreign transaction fees
• You want Membership Rewards points to transfer to airline partners
• You prefer a flat-rate card earning 1.5% to 2% on everything without caps
• You want premium travel benefits like lounge access or hotel status

Apply Now

Apply for Blue Cash Everyday® Card from American Express

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.