Blue Cash Everyday® Card from American Express

Quick Snapshot

• Annual Fee: $0
• APR: 0% intro for 15 months, then 19.74%–28.74% variable
• Rewards: 3% on groceries, gas & online retail (up to $6K/category), 1% on everything else
• Bonus: $200 statement credit after $2,000 spend in 6 months
• Best For: Everyday spenders, families, no-annual-fee cash back seekers
• Credit Needed: Good to Excellent (670+)

Overview

The Blue Cash Everyday Card from American Express is a no annual fee cash back card that rewards everyday spending with 3% back on groceries, gas stations, and online retail purchases (up to $6,000 annually per category). With a generous intro APR offer and valuable Disney+ streaming credit, this card is perfect for those who want solid cash back rewards without paying an annual fee.

This card shines for its simplicity and accessibility. Unlike category cards that require activation or rotation, the Blue Cash Everyday offers consistent 3% rewards on three high-spending categories that nearly everyone uses regularly. Combined with no annual fee, a lengthy intro APR period, and useful purchase protections, this is an excellent everyday card for those who want to maximize rewards without complexity or cost.

APR Breakdown

• Purchase APR: 0% intro APR for 15 months from account opening, then 19.74%–28.74% variable
• Balance Transfer APR: 0% intro APR for 15 months from account opening on balance transfers, then 19.74%–28.74% variable
• Cash Advance APR: 19.74%–28.74% variable
• Penalty APR: None

Note: The 15-month intro APR period is excellent for large purchases or balance transfers. Just pay off the balance before the intro period ends to avoid interest charges.

Benefits Overview

Travel Benefits

• Car Rental Loss and Damage Insurance: Coverage for damage or theft when you rent a car and decline the rental company's collision insurance
• No Foreign Transaction Fees: Use internationally without additional charges
• Travel Accident Insurance: Coverage when traveling on common carriers
• Emergency Card Replacement: 24/7 card replacement worldwide

Everyday Benefits

• Purchase Protection: Covers new purchases for 90 days against damage or theft (up to $1,000 per occurrence, $50,000 per year)
• Extended Warranty Protection: Extends the time period of eligible U.S. manufacturer's warranties by an additional year (on warranties of 5 years or less)
• Return Protection: Get refunded for eligible purchases that merchants won't take back (up to $300 per item, $1,000 per calendar year)
• Fraud Protection: Zero liability for unauthorized charges
• Account Management Tools: Free online and mobile app access with spending alerts and budgeting features

Lifestyle Benefits

• Disney+ Streaming Credit: Receive up to $7 back each month (up to $84 back annually) after purchasing an eligible Disney+, Hulu, or ESPN+ subscription
• Amex Offers: Access to exclusive statement credit offers and discounts from popular merchants
• ShopRunner: Free 2-day shipping and free returns at select online retailers
• 24/7 Customer Service: Award-winning customer support by phone, chat, or app

Rewards & Cash Back

• 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
• 3% cash back at U.S. gas stations on up to $6,000 per year in purchases (then 1%)
• 3% cash back on U.S. online retail purchases on up to $6,000 per year (then 1%)
• 1% cash back on all other purchases

How It Works:

• Each 3% category has its own $6,000 annual cap (total of $18,000 earning 3% annually)
• Maximum potential 3% earnings: $540 per year across all categories
• Cash back is received as Reward Dollars
• Rewards do not expire as long as your account is open

Redemption Options:

• Statement credits to offset purchases
• Redemption at Amazon.com checkout
• Gift cards to popular retailers
• Charitable donations
• No minimum redemption threshold

Welcome Bonus

Earn a $200 statement credit after you spend $2,000 on purchases in the first 6 months from account opening.

This is a straightforward, achievable bonus that requires only $334 per month in spending—easily reachable for most cardholders through everyday purchases.

Fees Summary

• Annual Fee: $0 (no annual fee ever)
• Foreign Transaction Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Families who spend heavily on groceries and gas
• Online shoppers who make frequent purchases from U.S. retailers
• No-annual-fee seekers who want solid rewards without yearly costs
• Balance transfer candidates who need 15 months of 0% APR
• Everyday spenders who want simple, consistent cash back
• Disney+ subscribers who can benefit from monthly streaming credits
• Those building Amex relationships as a first American Express card

Not Good For

• Heavy grocery spenders who exceed $6,000 annually (consider Blue Cash Preferred)
• Those who shop at Walmart/Target (may not code as supermarkets)
• Category maximizers who want higher than 3% on specific categories
• Premium rewards seekers who want travel perks and elite benefits
• Those exceeding category caps ($6K per category annually)
• International shoppers primarily using foreign online retailers (3% only on U.S. online retail)

Key Pros & Cons

Pros

• No annual fee makes it accessible for everyday use
• Strong 3% cash back rate across three popular categories (groceries, gas, online retail)
• Generous $6,000 annual cap per category (total of $18,000 earning 3% annually)
• Extended 0% intro APR period (15 months on purchases and balance transfers)
• Up to $84 annually in Disney+ streaming credits ($7 monthly)
• No foreign transaction fees
• Flexible redemption options including statement credits and Amazon checkout
• Purchase protection and extended warranty coverage
• Return protection on eligible purchases
• Rewards never expire as long as account remains open
• No minimum redemption threshold

Cons

• 3% earning capped at $6,000 per category annually (then drops to 1%)
• Must track spending across three categories to maximize rewards
• Welcome bonus requires $2,000 spend but only earns $200 (modest compared to premium cards)
• Variable APR can be high (up to 28.74%) after intro period if carrying a balance
• Balance transfer fee applies (5% or $5 minimum)
• Disney+ credit requires active subscription to maximize value
• Not ideal for heavy spenders who exceed category caps
• Some stores (like Walmart, Target superstores) may not code as supermarkets
• No bonus earning on dining, travel, or transit

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

If you spend $20,000 per year on typical expenses:

Additional Value:

• Welcome Bonus: $200
• Disney+ Credits (annual): $84
• Total First Year Value: $724

Ongoing Annual Value: $440 (cash back) + $84 (Disney+ credits) = $524 per year

Since there's no annual fee, this is pure value with no cost to offset.

Should You Get This Card?

You Should Get It If...

• You spend $500+ monthly on groceries, gas, and online retail combined
• You want solid cash back rewards without paying an annual fee
• You need a 0% intro APR for large purchases or balance transfers
• You have an active Disney+, Hulu, or ESPN+ subscription
• You prefer simple rewards that don't require category activation
• You're looking for your first American Express card
• You want purchase protections and extended warranty on everyday purchases
• You shop primarily at U.S. supermarkets and gas stations

You Should Skip It If...

• You spend more than $6,000 annually on groceries (consider Blue Cash Preferred for 6%)
• You primarily shop at Walmart or Target (may not code as supermarkets)
• You want higher rewards on dining or travel (consider other cards)
• You already have a card with better rewards on these categories
• You need airport lounge access or premium travel benefits
• You're a very heavy spender in bonus categories and will exceed caps
• You prefer rotating 5% category cards for higher short-term earning potential

Apply Now

Apply for Blue Cash Everyday Card from American Express

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.