(UPDATE: American Express has clarified the cash-back categories for this card. Cardmembers earn cash back at U.S. stand-alone supermarkets, U.S. stand-alone gas stations and select major department store.)

If you are a heavy grocery shopper, the new Blue Cash Everyday from American Express may replace your currently unremarkable cash back credit card.

Blue Cash Everyday from American Express has been introduced in place of the former Blue Cash card from American Express. The new card makes is easier for moderate spenders to earn some generous cash back.

American Express Blue Cash Everyday Card Details

Blue Cash Everyday offers a very similar look to Blue Cash but the cash back program is non-tiered, with a higher rate favoring supermarket purchases.

  • 0% introductory APR on purchases for up to 12 months; variable APR of 17.24% to 21.24% thereafter.
  • Earn 3% cash back at supermarkets, 2% at gas stations and department stores, and 1% on everything else.
  • No annual fee.

Cardmembers can earn unlimited cash back. Cash back can be redeemed for statement credits at anytime in increments of $25. Rewards dollars can also be redeemed for gift cards and merchandise.

American Express added a program that awards $25 rewards dollars for every successful referral for the Blue Cash Everyday Card.

Card Analysis

Compared to the original Blue Cash card, the Blue Cash Everyday card only has one major difference – the cash back structure. Instead of tiered cash back rates, the Blue Cash Everyday offers an industry-beating fixed cash back program. (No need to spend $6,500 to get more cash back.)

…very rewarding for frequent grocery and department store shoppers…

For avid credit card shoppers, it is also a pleasant sight to see that American Express did not resort to another cash back credit card with bonus rotating categories like the Chase Freedom or Discover More cards.

The Blue Cash Everyday card would be very rewarding for frequent grocery and department store shoppers dependent on cars for commuting – which describes many everyday working Americans.

The 0% introductory purchase APR will be for 6 months or 12 months depending on creditworthiness. With a variable post-introductory APR of 17.24% to 21.24%, carrying a balance on the Blue Cash Everyday card is a recipe for hefty interest charges. This card would not be fit for anyone who cannot pay their account balance in full every month (after the intro period).

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Simon Zhen

Simon is a research analyst for MyBankTracker. He is an expert on consumer banking products, bank innovations and financial technology.
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