Review: The Blue Cash Everyday® Card from American Express

With a $0 annual fee, good cash back on key spending categories, and a welcome offer that should be easy for most to max out (albeit a low one), the Blue Cash Everyday® Card from American Express is a card that looks good right now.

Cash back may not be the coolest of rewards that you can get from a credit card, but it’s as reliable a reward as you’ll find, and when prices of so many things still continue to rise, reliable is often preferable to cool.

Blue Cash Everyday® Card from American Express

In brief

The Blue Cash Everyday® Card from American Express comes with a $0 annual fee (see rates and fees; terms apply) and in comparison to other cards in its class, it offers great rates of cash back at US supermarkets and at US gas stations and, as if that wasn’t enough, it’s also the only card that lists “US online retail purchases” as a bonus category.

In detail

Here’s what you need to know about the Blue Cash Everyday® Card from American Express:

Annual fee:

$0 (zero) – see rates and fees; terms apply

Current welcome offer:

Earn a $100 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Note: The current welcome offer is not available to you if you have or have had this card, the Cash Magnet® Card, the Blue Cash Preferred® Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of these cards.

Earnings (terms apply):

• 3% cash back at US supermarkets on up to $6,000 in annual purchases*
• 3% cash back at US gas stations on up to $6,000 in annual purchases*
• 3% cash back on up to $6,000 of US online retail purchases*

The Blue Cash Everyday® Card from American Express earns unlimited 1% cash back on all other eligible purchases.

*1% cash back thereafter

Key benefits (terms apply and enrollment may be required):

• Up to $15 in monthly statement credits for online meal kit purchases from Home Chef.
• Get $7 back each month after using your Blue Cash Everyday® Card from American
• Express to spend $9.99 or more each month on an eligible subscription to The Disney Bundle, which can include Disney+, Hulu, and ESPN+ (enrollment required)
• Secondary rental car coverage
• Returns protection

Important to know:

Cash back is earned in the form of reward dollars which can be redeemed as a statement credit or at Amazon.com checkout.

Once a cardholder reaches the $6,000/year limit imposed on spending in select shopping categories, they’ll earn 1% cashback on all further eligible spending in those categories.

The Disney Bundle statement credit is valid on qualifying purchases made online at U.S. websites Disneyplus.com, Hulu.com or Plus.espn.com.

Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets (see here for more details).

To earn cash back in the “US online retail purchases” category, the purchases must be made on a website or an app from a U.S. retail merchant that sells physical goods or merchandise directly to consumers (see here for more details).

Why this is a good card

$0 annual fee

The Blue Cash Everyday® Card from American Express is a card that comes with a $0 annual fee and it offers cash back rather than miles or points so, at a time when people are looking to save money, this can be a very useful card to have (see rates and fees; terms apply).

The welcome offer (terms apply)

The cash back that can be earned is effectively a rebate on the first $2,000 of spending on the card, and assuming you don’t carry a balance at any point during your card membership or miss a payment (and so incur interest and fees), this is effectively a gift from Amex. It’s not a big gift (not by a long way), but it’s still, effectively, a gift.

Also, if you’re disciplined with how you use the Blue Cash Everyday® Card and make sure that you only use it for spending in categories that earn more than 1% cash back, the welcome bonus can be earned alongside other very good rebates.

Good earnings (terms apply)

The Blue Cash Everyday® Card manages to combine very low fees with solid earnings in two key categories where a lot of people usually see significant spending – groceries and gas stations.

3% cash back at US supermarkets (up to a limit of $6,000 in spending – 1% thereafter) isn’t the best return you can find for grocery spending, but it’s a very solid return for a card with a $0 annual fee.

Lastly, it’s worth noting that the 3% cash back the Blue Cash Everyday® Card offers on up to $6,000 of US online retail purchases (1% thereafter) is still a relatively new feature and one that isn’t offered by any other card – as $0 annual fee cards go, that’s impressive.

Blue Cash Everyday® Card (in summary)

The Blue Cash Everyday® Card from American Express has a $0 annual fee (see rates and fees; terms apply), and it gives cardholders a very good rate of return for spending made at US supermarkets.

As an added bonus, it offers 3% cash back on up to $6,000 of annual spending at US gas stations and the same again on spending on US online retail purchases (1% thereafter – terms apply) and, as with all American Express cards, it gives cardholders access to valuable Amex Offers which can help a cardholder save yet more money.

With no miles/points currency to worry about (just pure cashback) and cashback on groceries, gas, and department stores, the Blue Cash Everyday® Card would be a good card for someone looking for …

• A simple card to use
• Savings in key spending areas like groceries and gas
• Savings when shopping online (select retailers)

At a time when saving money and earning cash back are on a lot of people’s minds, this is definitely a card worth considering.

For rates and fees of Blue Cash Everyday® Card from American Express, please see this rates and fees page (terms apply).