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Updated July 4, 2016

What's The Catch? Blue Cash Everyday Review 2016

Read more about Blue Cash Everyday® Card from American Express, a CreditDonkey advertiser

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You can help support CreditDonkey by reading our website and using our links. (read more)


If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday Card. Read on for the pros and cons.

Blue Cash Everyday

Overall Score

4.0

Rewards

4.5

Interest Rates

3.0

Fees

4.0

Benefits

4.5
5-point scale (the higher, the better)

Pros and Cons

  • Bonus cash back
  • Cash back
  • Intro APR on purchases and balance transfers for 12 months
  • No annual fee
  • Not a Visa/MasterCard

Bottom Line

Great cash back card for cardholders who pay in full

NEED AN EVERYDAY CREDIT CARD?

Here is why you may want to consider this credit card:

  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees

To take advantage of this special offer, visit American Express' secure website to apply now.

Tip: 23 Ways to Help Meet $1,000 Promotion Spending Requirement

WHO THIS CARD IS RIGHT FOR?

  • If you mostly eat at home: You earn 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases.

    Our suggestion: If you spend more than $61/week on groceries, consider the Blue Cash Preferred instead. The Blue Cash Preferred earns 6% back at U.S. supermarkets (on up to $6,000 per year in purchases), but has a $95 annual fee.

  • If you drive a lot: You earn 2% cash back at U.S. gas stations.

    Our suggestion: If you spend more than $183/week on gas, consider the Blue Cash Preferred instead. The Blue Cash Preferred earns 3% back at U.S. gas stations but has a $95 annual fee.

  • If you’re a big shopper: You earn 2% cash back at select U.S. department stores such as Macy's, Kohl's, and JCPenney.

Related: AMEX Everyday vs Blue Cash Everyday Review

Bonus Cash Back

New customers can earn up to $300 cash back in the form of statement credits. Here is how it works:

  • You earn 5% cash back on the first $4,000 spent on eligible travel purchases in the first six months, for up to $200 cash back. Eligible travel purchases include airfare, hotel rooms, select car rental, and cruises.

  • You get $100 back if you spend $1,000 on purchases within the first three months of opening your new credit card account.

To learn more about the promotion, visit American Express' secure online website.

Cash Back: What You Need to Know About the Rewards

Here’s why this card is a standout:

The Blue Cash Everyday Card is simple to follow compared to some other cash back credit cards that give users more cash back on certain types of purchases that change 4 times a year. It can be tough to remember which credit card to use with such rewards programs. This Amex card has a relatively simple system without rotating bonus categories to think about.

Cardholders receive extra cash back at U.S. supermarkets, U.S. gas stations and select U.S. department stores. These are some of the most common expenses for many families. As the name implies, if you use this card on your "everyday" purchases, you can see how the cash can start to add up:

  • 3% cash back at US supermarkets (up to $6,000 per year in purchases at US supermarkets qualifies for 3% cash back; 1% thereafter.)
  • 2% cash back at US gas stations and select US department stores.
  • All other eligible purchases earn you cash back at the rate of 1%.

Redemption is also straightforward: The cash back you accrue is called Reward Dollars, which you can redeem for statement credit.

CAN YOU GET A BETTER REWARDS WITH ANOTHER AMEX CARD?

While you could get higher percentages with other American Express cards for some purchase categories, those cards often feature an annual fee. Can’t decide between this one and another Amex card? Take a look at your purchases in the past 3 months and see how much you would have earned with this card versus the other one.

Would your estimated earnings have come close to making up for an annual fee (if so, you may want to consider the Blue Cash Preferred)? Did you buy a lot of groceries? Or spent too much at the gas pump?

Supermarket List: What is a "U.S. Supermarket"?

How you interpret what that offer means may differ from the credit card company. American Express considers a supermarket as a store that offers a variety of food and household products, including produce, meat, and dairy as well as cleaners and pet food.

Chances are if a store sells groceries in addition to clothes and electronics, it is not — in Amex’s view — a supermarket. So-called big-box stores (like Wal-Mart and Target), online superstores (like Amazon), and warehouses (like Costco) are NOT considered supermarkets. Your mom-and-pop corner grocery store or specialty shop that only sells cheese or meat are also NOT considered supermarkets. Retailers that qualify include Whole Foods, Meijer, Shoprite, Winn-Dixie, Stop and Shop, Vons, Pathmark, and online supermarket FreshDirect, among others.

Gas Station List: What is a "U.S. Gas Station"?

The good news about this card’s cash back for gas station purchases is it goes beyond just gas. If the gas station you frequent also has a convenience store, consider using your Amex at the pump and inside the store to get your milk or other last-minute items (don’t go crazy just to get the cash back, however, as items you buy in a gas-station store are usually more expensive than other merchants).

Amex views qualifying gas stations as those in the United States that primarily sell gasoline, so supermarkets (like Safeway) and warehouse clubs (like Costco) do NOT fall under this category even if they have their own pumps. Shell, Mobil, Hess, Exxon, Gulf, and Murphy are some of the gas stations where you can get 2% back with this card.

Department Store List: What is a "Select U.S. Department Store"

Earn 2% cash back at select department stores in the U.S.. You can get cash back for purchase made online or at the stores that have these specific names:

  • Bealls
  • Belk
  • Bloomingdale’s
  • Bon Ton Stores
  • Boscov's
  • Century 21 Department Stores
  • Dillard’s
  • J.C. Penney (JCP)
  • Kohl's
  • Lord & Taylor
  • Macy's
  • Neiman Marcus
  • Nordstrom
  • Saks Fifth Avenue
  • Sears
  • Stein Mart

Beyond the Rewards: Extra Protections

The Blue Cash Everyday card also provides cardholders with extra travel and purchase protections, including car rental loss and damage insurance, travel accident insurance, travel assistance, extended warranty, purchase protection and return protection.

The car rental loss and damage insurance provides coverage for theft or damage of eligible rental vehicles. In other words, you can skip the costly insurance fees charged by rental companies if you use you card when you rent an eligible car. And with travel assistance, cardholders can gain medical, legal and other emergency assistance when travelling more than 100 miles from home.

The return protection plan also helps cardholders when they want to return an eligible item; if the merchant won’t take the eligible product back and it has been less than 90 days, American Express will take it and issue a refund of the full purchase price up to $300 per item. This benefit excludes shipping and handling and maxes out at $1,000 annually.

Foreign Transaction Fee

Unfortunately, the Blue Cash Everyday has a 2.7% foreign transaction fee, so it will charge you extra on every purchase you make with it outside the U.S. If you plan to travel internationally, you’ll need to remember to bring a no foreign transaction fee credit card with you instead.

Pros

  • $100 back after you use your new Card to make $1,000 in purchases within the first 3 months
  • 3% cash back at US supermarket (up to $6,000 per year in purchases), 2% at US gas stations and select US department store purchases
  • No annual fee
  • Introductory 0% APR on purchases and balance transfers for 12 months. Afterwards, a variable APR, currently 13.24% to 23.24%.

Cons

  • Not a Visa/MasterCard
  • 2.7% foreign transaction fee

HOW IT COMPARES

How About the Preferred? If you spend more than $3,167/year (~$61/week) at U.S. supermarkets or more than $9,500/year (~$183/week) at U.S. gas stations, consider the Blue Cash Preferred, which has a $95 annual fee but offers 6% at U.S. supermarkets (on up to $6,000 per year) and 3% at U.S. gas stations.

 

Blue Cash Everyday

Blue Cash Preferred

Annual Fee$0 annual fee$95 annual fee
See Rates & FeesSee Rates & Fees
Cash Back DealIntroductory Bonus Cash Back: Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
You will receive cash back in the form of statement credits.
Introductory Bonus Cash Back: Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
Plus, earn $150 back after you spend $1,000 in purchases on your new Card within the first 3 months.
You will receive cash back in the form of statement credits.
Cash BackCash Back Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.Cash Back Rewards: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
GasGas Rewards: 2% at U.S. gas stations. Terms and limitations applyGas Rewards: 3% cash back at U.S. gas stations. Terms and limitations apply
GroceryGrocery Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (1% thereafter). Terms and limitations applyGrocery Rewards: 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). Terms and limitations apply

How About Chase Freedom? If you prefer a Visa credit card, consider the Chase Freedom, a no annual fee cashback credit card.

 

Blue Cash Everyday

Chase Freedom

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR for 12 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR for 12 months0% introductory APR for 15 months
Purchase APR13.24% to 23.24% Variable based on your creditworthiness and other factors14.24% to 23.24% Variable based on your creditworthiness and other factors
Balance Transfers APR13.24% to 23.24% Variable based on your creditworthiness and other factors14.24% to 23.24% Variable based on your creditworthiness and other factors
Annual Fee$0 annual fee$0 annual fee
See Rates & Fees 
 

Benefits and Features

Cash Back DealIntroductory Bonus Cash Back: Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
You will receive cash back in the form of statement credits.
Introductory Bonus Cash Back: Get a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Cash BackCash Back Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.Cash Back Rewards: Unlimited 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months like gas stations, restaurants, and wholesale clubs. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2016:
Q1 (January 1 – March 31, 2016): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2016): Grocery stores (not including Walmart®, Target®, discount or warehouse club store purchases)
Q3 (July 1 – September 30, 2016): Restaurants and Wholesale Clubs
Q4 (October 1 – December 31, 2016): Holiday shopping (details TBA)
GasGas Rewards: 2% at U.S. gas stations. Terms and limitations apply 
GroceryGrocery Rewards: 3% at U.S. supermarkets on up to $6,000 per year in purchases (1% thereafter). Terms and limitations apply 

Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on July 4, 2016 from published websites and are believed to be accurate, but not guaranteed.

Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Related: Blue Cash Everyday vs Chase Slate

Bottom Line

Blue Cash Everyday is a good credit card for people who pay their balance in full each month and want cash back without the complexity of rotating rewards categories and. Remember, as with all credit card offers, terms and limitations apply.

Next Step: View the issuer's official application, terms, and details

Follow @CreditDonkey or write to Meghan C at meghan@creditdonkey.com
Meghan C is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on September 24, 2011. This content may have been updated on July 4, 2016. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Special Offer - Earn 5% cash back on eligible travel purchases in the first 6 months, up to $200.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • You will receive cash back in the form of statement credits.
  • Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn ProtectionTravel Accident Insurance $0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
13.24% - 23.24% Variable
$0

Compare Blue Cash Everyday to:

Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

The Amex EveryDay Credit Card from American Express

The Amex EveryDay® Credit Card from American Express

Starwood Preferred Guest Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express


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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.