Blue Cash Everyday Card from American Express Review: Big Cash Back at Supermarkets
The Blue Cash Everyday card from American Express is a solid addition to your wallet, especially if you're responsible for stocking the groceries at home.
You’ll be able to earn plenty of cash back at U.S. supermarkets, U.S. gas stations, and select U.S. department stores.
And, it all comes with no annual fee.
So, you have many reasons to have it ready in your wallet.
Here’s a breakdown of the features and benefits of the .
Plenty of Opportunities to Earn Cash Back
See Rates & Fees. Terms Apply.
Blue Cash Everyday from American Express Pros & Cons
One benefit of using a credit card for everyday purchases is the ability to earn rewards.
While some credit cards reward cardmembers with points or miles, the Blue Cash Everyday card from American Express rewards you with cash back.
The card's rewards program is as follows:
- 3% cash back at U.S. supermarkets, on up to $6,000 per year in this category (1% cash back thereafter)
- 2% cash back at U.S. gas stations & select U.S. department stores
- 1% cash back on all other purchases.
The cash back comes in the form of a statement credit, which you’re eligible to redeem in increments of $25.
To maximize or accelerate your cash back earnings, add a family member as an authorized user and get additional cards. You’ll earn cash back on purchases they make, too.
Details on cash back categories
There are certain rules to be aware of when making purchases to qualify for the highest amount of cash back.
For "U.S. supermarkets," note that superstores and warehouse clubs are not considered supermarkets. Examples of excluded retailers include Amazon, Sam's Club, Wal-Mart, and Target.
For "U.S. gas stations," note that gas sold through superstores, supermarkets, and warehouse clubs will not qualify.
The list of "select U.S. department stores" include (subject to change at any time):
- Bon Ton Stores
- Century 21 Department stores
- J.C. Penney
- Lord & Taylor
- Neiman Marcus
- Saks Fifth Avenue
- Stein Mart
No Annual Fee
Another attractive feature of the is that while it offers cash back, there’s absolutely no annual fee.
Therefore, consumers won't pay a cost to keep the card in their wallets for the times when they can use it to maximize their cash back on spending.
Flexibility to Pay Over Time
If you’re familiar with American Express, then you know that some American Express cards require cardmembers to pay their balances in full every month.
The Blue Cash Everyday card gives the option to carry a balance from month-to-month.
This card comes in handy when you’re purchasing an expensive item, and need a few months to pay off the balance.
Of course, it’s always best to pay a credit card in full each month. This is how you avoid long-term debt. And it’s also how you minimize interest charges. Even so, you may prefer the flexibility and option to pay over time.
Additional Card Benefits
Cash back isn’t the only attractive feature of the American Express Blue Cash EveryDay card.
Here are other protections and benefits you can expect from American Express.
1. Car rental loss and damage insurance
If you use your American Express Blue Cash Everyday card to rent a car, decline collision damage insurance at the rental car counter.
As a cardmember, you’ll receive car rental loss and damage insurance. This means you’re covered if the car is stolen or damaged in your possession.
2. Global assistance hotline
Anything can happen while you’re away from home. When you apply for the American Express Blue Cash Everyeay, you receive access to the global assistance hotline when you’re more than 100 miles from home.
There’s peace of mind in knowing you have 24/7 access to emergency assistance, whether it’s for medical, legal, or passport help.
3. Shopping and entertainment services
Another perk of the American Express Blue Cash EveryDay credit card is that you get free two-day shipping on eligible items purchased through ShopRunner. This is an American Express partner with a network of over 100 online stores.
In addition, cardmembers receive access to pre-ticket sales for different events. This includes tickets for Broadway shows, concerts, sporting events, and more
4. Fraud protection
There’s always the risk of your card ending up in the wrong hands.
You could lose it, or someone might steal your personal information. If this happens to you, know that you’re not held responsible for fraudulent charges.
If you lose your card or suspect fraudulent activity, notify us as soon as possible.
Compared to Other American Express Cards
But while the American Express Blue Cash EveryDay card offers many attractive features and benefits, it’s not the only everyday use card offered by American Express.
Blue Cash Preferred Credit Card
The is the premium version of the Blue Cash Everyday card. It offers the opportunity to earn more in certain categories.
You can earn up to 6% cash back at U.S. supermarkets and with select U.S. streaming subscriptions. You’ll also earn 3% cash back with U.S. gas stations and transits, and 1% cash back on every other purchase.
However, it has a $95 annual fee.
American EveryDay Preferred Credit Card
Instead of earning cash back, the American Express EveryDay Preferred card rewards you with points.
You’ll earn 3X points at U.S. supermarkets up to $6,000 per year; 2X points at U.S. gas stations; 1X point on all other eligible purchases. There’s also an opportunity to earn extra points the more you use the card.
There’s a $95 annual fee.
American Express EveryDay Credit Card
If you’re looking for a no annual fee rewards credit card, the American Express EveryDay credit card might be right for you.
You’ll earn 2X points at U.S. supermarkets up to $6,000 per year, and 1X points on all other eligible purchases.
Earn 20% more points when using the card 20 or more times in a billing cycle.
Final Verdict: Is the American Express Blue Cash EveryDay Card for You?
American Express is a well-known brand that’s accepted by more than 1.6 million places in the United States.
So if you’re looking for a credit card that offers cash back or points for everyday spending, is the right choice for you.
But one thing to keep in mind:
American Express isn’t as widely accepted as Visa or MasterCard. So some retailers might not accept this card as a method of payment. This can limit the amount of cash back you earn.
The more you use the card the better.
Even so, this credit card is ideal for those who not only use credit cards regularly but who also pay off their balances in full each month. Therefore, only charge what you can afford, and if possible, don’t carry a balance from month-to-month.