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With no annual fee, good cash back on key spending categories, and a nice welcome offer that should be easy for most to max out, the Blue Cash Everyday® Card is a card that looks tempting 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 the world is as it is, reliable is often preferable to cool.
Blue Cash Everyday Card From American Express
The Blue Cash Everyday Card is a no-annual-fee card (rates & fees) that for a card that’s free to hold, offers a great rate of cashback at US supermarkets and at US gas stations, and is one of the only cards that offer cash back specifically at US department stores.
Here’s what you need to know about the Blue Cash Everyday Card from American Express:
- $0 (zero) – rates & fees
Current Welcome Offer:
- Receive $100 back in statement credits after you spend $2,000 in the first 3 months after opening your new account (see here for more details).
- Earn 20% back (in statement credits for spending made at Amazon.com (up to $150) in the first 6 months of card membership.
Note: The current welcome offer is not available to anyone who currently holds this card or who has had this card in the past.
- 3% cash back at US supermarkets on up to $6,000 in annual purchases
- 2% cash back at US gas stations
- 2% cash back at select US department stores
The Blue Cash Everyday Card earns 1% cash back on all other purchases
- Secondary rental car coverage
- Returns protection
Important To Know:
- Cashback is earned in the form of reward dollars which can be redeemed as a statement credit.
- Once you have reached the $6,000/year spending limit at US supermarkets you’ll earn 1% cashback on all US supermarket spending for the rest of the year.
- Superstores, convenience stores, and warehouse clubs are not considered supermarkets (see here for more details)
Why This Is A Good Card
No Annual Fee
The Blue Cash Everyday Card is a card that doesn’t charge an annual fee and it offers cash back rather than miles and points so, at a time when the world’s economies are at a particularly low ebb, when people are looking to save money and when traveling isn’t at the forefront of most people’s minds, this can be a very useful card to have (rates & fees).
The Welcome Offer
The $100 cash back that can be earned after spending $2,000 is effectively a 5% 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 (and so incur interest charges), this is effectively free money. Also, if you’re disciplined with how you use the Blue Cash Everyday Card and make sure that you only use it for spending made in categories that earn more than 1% cash back, the welcome bonus can be earned alongside other very good rebates.
In addition, with Amazon.com selling just about everything these days, the 20% rebate (up to $150) that’s being offered for Amazon spending in the first 6 months of card membership should be a relatively easy one to make the most of, and that would take the total welcome bonus to $250 – not bad for a card that doesn’t charge an annual fee.
As well as the good welcome offer, the Blue Cash Everyday card also 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) isn’t the best return you can find for grocery spending, but it’s a very solid return for a card that doesn’t charge an annual fee.
Lastly, it’s worth noting that the 2% cash back the Blue Cash Everyday card offers on department store spending makes this one of the few cards to incentivize spending in this category and as no annual fee cards go, the return on offer is pretty impressive.
The Blue Cash Everyday Card (In Summary)
The Blue Cash Everyday Card doesn’t charge an annual fee (rates & fees), it’s currently offering a very good welcome bonus, and it gives cardholders a very good rate of return for spending made at US supermarkets. As an added bonus it offers 2% cash back at US gas stations and select department stores 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 points currency to worry about (just pure cashback), no annual fee, 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 at department stores
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.