Anyone who wants to earn cash back without an annual fee could benefit from this card, but consumers who spend a lot of money at U.S. supermarkets, gas stations, and department stores will earn the most. This card is best for rewards enthusiasts who want to make the most of their spending and redeem points for statement credits.
The Blue Cash Everyday® Card from American Express ranks among the best grocery cards out there. However, if you buy most of your groceries at Target, Walmart, or wholesale clubs like Costco, you will only earn 1% cash back on those purchases.
If you spend at least $61 per week on groceries at U.S. supermarkets, you may be better off getting the American Express Blue Cash Preferred Card. It has a $95 annual fee, but earns 6% back at U.S. supermarkets and select U.S. streaming subscriptions, plus 3% back at U.S. gas stations and on transit. Other purchases will earn 1%.
No annual fee
Higher rewards in bonus categories
Introductory APR on purchases
No option to redeem points for travel
Earning caps in bonus categories
High ongoing APR
- No annual fee: Not having to pay an annual fee is pretty common for cash-back credit cards, but this one offers lucrative bonus categories that could leave you further ahead than some competing cards.
- Higher rewards in bonus categories: Earning 3% back on up to $6,000 at U.S. supermarkets each year can be valuable. If you max out this category, you’ll earn $180 in cash back, redeemable as a statement credit. You’ll also earn 2% back at gas stations and select department stores, which could add up fast. The average U.S. household spends a bit more than $2,000 a year on gas, which could earn you more than $40 in cash back.
- Introductory APR on purchases: The Blue Cash Everyday® Card comes with 0% APR on purchases for 15 months, followed by a variable APR. This offer can help you make large purchases and pay them off without interest for 15 months.
- No option to redeem points for travel: This card doesn’t let you transfer points to airline and hotel partners like you can with cards that earn American Express Membership Rewards points. If you want to use points for travel, you’re better off with a different card.
- Earning caps in bonus categories: Racking up 3% back on U.S. grocery spending is great, but don’t forget that this rate only applies to the first $6,000 you spend each year. After that, you’ll earn 1% back, which is pretty “meh.”
- High ongoing APR: After 15 months, the Blue Cash Everyday® Card will charge you a variable purchase APR of 13.99% to 23.99% variable depending on your creditworthiness. If you plan to carry a balance for the long haul, you may want to look for cards with a lower ongoing APR.
Blue Cash Everyday® Card Welcome Offer
Sign up for this card and you’ll earn 20% back on Amazon.com purchases in the first 6 months of membership, up to $150 back. You can earn an additional $100 back after spending $2,000 in purchases on the Card within the first 6 months of membership. Both welcome bonus offers come in the form of a statement credit, meaning you can use it to cover any purchase you want. We love this welcome bonus since it’s easy to earn.
Earning Points & Rewards
Cash-back credit cards tend to have their own unique earning schemes, and the Blue Cash Everyday® Card is no exception. Not only will you earn 3% back on up to $6,000 in U.S. supermarket spending each year, but you earn 2% back at U.S. gas stations and select department stores. You also earn 1% back on all other purchases. This card aims to reward consumers who spend a lot in popular categories, although these earning tiers only apply to U.S. purchases.
American Express notes that purchases at superstores such as Target and Walmart don’t earn the 3% bonus points (but they will earn 1%). Wholesale clubs such as Costco and Sam’s Club are also excluded from the 3% earning category. You will also not earn additional rewards at gas stations that are part of a larger store or wholesale club.
The Amex Blue Cash Everyday® Card is a basic cash-back credit card. Redemptions start once you’ve accrued at least $25 in rewards, and you can redeem your points (which are worth 1 cent each) for statement credits.
From time to time American Express may offer other ways to redeem your rewards, such as gift cards or merchandise, but those are no longer standard options with this card.
How to Get the Most Out of This Card
Maximizing this card’s benefits is easy if you buy food at traditional grocery stores, shop at department stores, or fill your car up with gas. And really, who doesn’t? Use this card for all your spending in those bonus categories to earn more rewards over time. You can also use this card for your regular non-bonus spending, but it might be smarter to pair the Blue Cash Everyday® Card with another card that offers more than 1% back on regular purchases.
When it comes to redeeming your rewards, that part is easy: Use points for statement credits to cover purchases made with this card. It may be the only consistently available redemption option, but it's a good one.
Blue Cash Everyday® Card’s Other Features
- Purchase return protection
- ShopRunner membership
- Car rental loss and damage waiver (secondary to your personal policy)
- 24/7 Global Assist Hotline
A 2020 customer satisfaction survey from J.D. Power ranked American Express the highest among 11 major card issuers. American Express offers 24/7 customer service via the phone or through online chat, making it easy to contact them and get problems resolved no matter the date or time.
The American Express mobile app receives high ratings for functionality, with 4.9 out of 5 stars in the Apple App Store and 4.2 out of 5 stars in the Google Play Store.
American Express provides standard bank security features, including encryption, multi-factor authentication, and alerts that inform you when you make a purchase, make a payment, or American Express suspects fraudulent activity on your account.
Blue Cash Everyday® Card’s Fees
This card doesn’t charge an annual fee or overlimit fee. It does charge a 2.7% foreign transaction fee, which is slightly lower than the industry average of 3%.
To see the rates and fees for Blue Cash Everyday® Card from American Express, please see the following links: rates and fees.