Blue Cash Everyday® Card from American Express review
With ongoing high-value rewards on everyday expenses and no annual fee, this is a smart cash-back card to keep in your wallet.
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Key Features
descriptionEditor Analysis:
- For a credit card with no annual fee this card has high ongoing rewards.
- This card offers 0% intro APR on purchases and balance transfers for 15 months (then RegAPR).
- Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months.
- Your earnings in the bonus categories is capped at $6,000 spent per year in each category before the rewards rate drops to 1%.
card_name benefits
If you are looking to have a little more purchasing power at your favorite stores (and websites!), the CardName may be the solution for you. This no-annual-fee card has been a longtime shining star for our readers, and for good reason. (American Express is a CardRatings advertiser.)
Top card_name benefits include:
- An intro 0% APR period lasting 15 months on purchases and balance transfers, then RegAPR
- No annual fee
- 3% cash back when you use your card at participating U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per category each year and then 1% cash back thereafter); and 1% back on other purchases
- A $200 statement credit after you spend $2,000 in purchases on your new card within the first six months
- See Rates and Fees
card_name welcome offer
We don’t ever recommend applying for a new credit card exclusively for some sort of welcome bonus offer, but when a card does offer such an incentive, it’s always nice. Especially if the card doesn’t charge an annual fee…
With the card_name, cardholders can earn a $200 statement credit once spending $2,000 in purchases on the new card within the first six months.
card_name annual fee
Great news— there isn’t one! As its name suggests, the card_name is a good solution for everyday expenses. This card is especially good if you’re a casual credit card user since there is no annual fee unlike sister card CardName, which offers higher rewards for a AnnualFees (We compare these two cards in further detail below.) (See Rates and Fees.)
CardRatings Tip
If you spend more than $132 a month at U.S. supermarkets, you might find it’s worth paying the annual fee that comes with the sister card_name. Considering many people spend more than this each week, if you do the math, even with the annual fee, you could still come out far ahead thanks to the extra bonus rewards you could earn with the card_name.
card_name credit score
Although American Express doesn’t explicitly state the credit score needed to qualify for the CardName, this card is reserved for those with good to excellent scores. A good FICO score is typically anything above 670, according to the credit scoring agency Experian. However, having a score above 740 or even 800 may further increase your chances of approval. Please note, however, that these numbers can vary between different bureaus.
card_name online purchase requirements
Earning 3% cash back at U.S. online retail purchases is a huge incentive of the CardName given the ever-growing online shopping opportunities.
There are a few things to keep in mind, however. For instance, the purchase must be made on a website or a digital app from a "U.S. retail merchant that sells physical goods or merchandise directly to consumers," according to American Express’ terms. Note that online purchases made at restaurants, supermarkets, gasoline stations or automotive dealers, nor purchases of travel, entertainment or other services will qualify for the 3% cash-back rate. You also can’t order the purchase online and then pay for it in store if you want to earn the 3% rate.
Even with those rules, there are PLENTY of online shopping opportunities that will qualify for the 3% cash back on up to $6,000 spent in that category each year.
card_name foreign transaction fee and other potential downsides
This handy blue card doesn’t have any major red flags, but you need to know that since this cash-back rewards card doesn’t tout travel rewards, bonus points only kick in when making purchases in the United States. For example, grocery shopping at a U.S. supermarket will earn you 3% cash back (on up to $6,000 in purchases annually); shopping at a French supermarket while on holiday, on the other hand, will not.
Additionally, all foreign transactions made with the CardName will cost an extra foreign_fee. This card is a great option for everyday purchases made in the U.S.; however, it might not be the best choice for frequent international travelers. (See Rates and Fees.)
How do cardholders rate the card_name?
CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:
| Current Scores | Past Scores | |
|---|---|---|
| Overall Score | 82.2 | 78 |
| Features Satisfaction | 8.2 | 7.8 |
| Customer Service | 8.1 | 8.1 |
| Website/App Usability | 8.4 | 7.9 |
| Likelihood of Continuing to Use | 8.8 | 7.7 |
| Recommend to a Friend/Colleague | 8.1 | 7.6 |
How the card_name compares to other cards
card_name vs. CardName
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The CardName is another no-annual-fee card which earns bonus rewards at supermarkets and gas stations, albeit just a bit less than the card_name.
With the CardName cardholders can earn two ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then one point thereafter, plus one point on other purchases. What’s unique about this card though is that it automatically rounds up to the nearest 10 points on each purchase you make. So for example, say you spend $55 at a local restaurant, you’ll earn 60 points instead of just 55, or you spend $102 at the supermarket, you’ll earn 210 points instead of 204. When it comes to point earning, every little bit helps, which makes this a nice perk. Another unique feature is that Citi will give you a 10% rebate on the first 100,000 ThankYou® Points you redeem each year. In other words, if you redeem 20,000 points, Citi will put 2,000 points back into your ThankYou® account.
The CardName also features an opportunity to earn 20,000 bonus ThankYou® Points after making $1,500 in purchases within the first three months. Plus, new cardholders can earn 5 ThankYou® Points per $1 spent on hotels, car rentals and attractions booked on CitiTravel.com through December 31, 2025. There’s also a 0% intro APR on balance transfers for 15 months from the date of first transfer (must be made in the first four months) and on purchases from the date of account opening (then RegAPR. A balance transfer fee applies: BalanceTransferFees
card_name vs. card_name
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Though both the card_name card and CardName are cash-back cards from the same family, they have some significant differences. The most obvious is that the card_name charges a AnnualFees (See Rates and Fees.)
It may be worth paying an annual fee to get the additional rewards offered by the card_name card, though. With the card_name new users can earn a $250 statement credit once spending $3,000 in eligible purchases in the first six months of opening an account. On an ongoing basis cardholders earn 6% cash back on up to $6,000 at U.S. supermarkets each year while card_name only awards 3% cash back for those purchases. The card_name card also gives 6% cash back on select U.S. streaming services, 3% cash back on transit and gas purchases at U.S. gas stations, and 1% cash back on other purchases.
Is the card_name a good card?
Yes, the CardName is a good go-to credit card when you make purchases as part of your regular, weekly errands – filling up at the pump, buying groceries for the week and picking up some new pieces of wardrobe via an online shopping spree – are the sorts of purchases that rack up your cash back. This card has no annual fee so it’s a simple way to earn rewards on purchases you’ll have to make regardless, without worrying about offsetting the cost of the card.
Frequently asked questions
What credit score do you need for the Blue Cash Everyday® Card?
How much is the Blue Cash Everyday® Card's annual fee?
What is the Blue Cash Everyday® Card's interest rate?
What qualifies as a U.S. supermarket for the Blue Cash Everyday® Card?
Our Methodology
Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. "Current Scores" reflect scores from the most recent survey (2023); "Past Scores" reflect scores from the 2022 survey.
Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.
To see the rates and fees for the American Express cards mentioned in this post, please visit the following links: CardName (See Rates and Fees); CardName (See Rates and Fees)
