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Updated October 29, 2014 2:30 PM PT

Blue Cash Everyday Review: Cash Back Card with No Annual Fee

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

This article has references or links to products from our partners. We receive compensation if you apply or shop through links in our content. You support CreditDonkey by using our links. (read more)


If you’re looking for a cash back credit card that rewards you for common purchases and doesn’t charge an annual fee, you should check out the Blue Cash Everyday Card from American Express. This card also offers 1 year of Amazon Prime and $50 back after you spend $1,000 on purchases on your new card in your first 3 months.

Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $50 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • Go to issuer's official application, terms, and details
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

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

  • Cash back
  • $50 promotional offer
  • Intro APR on purchases and balance transfers for 15 months
  • No annual fee
  • Not a Visa/MasterCard

Bottom Line

Great cash back card for cardholders who pay in full

Bonus: Introductory Offers

This card offers a 0% introductory APR on purchases and balance transfers for the first 15 months of card membership. After that, the APR will be a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors. Be sure you pay your balance off before the introductory period ends, because the APR for this card can range from 12.99% to 21.99%.

You can get one year of Amazon Prime and $50 back after you use your new Card to make $1,000 in purchases within the first 3 months. You will receive $50 back in the form of a statement credit.

Cash Back

Once upon a time, Blue Cash cards had a spending threshold that had to be met before cardholders could start to earn the full cash back. Thankfully, American Express altered this policy with this card, so cardholders are now able to accrue cash back rewards with this card at the full rate.

Cardholders receive extra cash back at US supermarket, at US gas stations and select US department stores, which are some of the most common expenses for many families. The rate is 3% cash back at US supermarkets (up to $6,000 per year in purchases) and 2% cash back at US gas stations and select US department stores. All other eligible purchases also earn you cash back at the rate of 1%. (The first $6,000 of purchases at US supermarkets in a calendar year qualifies for 3% cash back; 1% thereafter.)

Other American Express cards may reward cardholders more for some purchase categories, but those cards often feature an annual fee. When choosing between the cards, your best bet is to look at your purchases in the last several months and see how much you could have earned with the cash back rewards. You can then make an estimate of your annual cash back earnings. If your estimated earnings are more than the annual fee for the other card, then that card may be your best bet. If you are uncertain whether you will make enough purchases with your credit card to hit the annual fee, then a card like this one may be a better choice for your wallet.

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.

Using the Blue Cash Everyday card for travel expenses will allow cardholders to gain access to the travel benefits. The car rental loss and damage insurance provides coverage for theft or damage of eligible rental vehicles. This saves cardholders from the costly insurance fees charged by rental companies. And with travel assistance, cardholders can gain medical, legal and other emergency assistance when travelling more than 100 miles from home.

A 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. If you plan to travel internationally, you may want to consider a no foreign transaction fee credit card instead.

Pros

  • $50 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 15 months

Cons

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

Bottom Line

The Blue Cash Everyday is a good credit card for people who want cash back on their most common purchases and pay their balance in full each month. Remember, as with all credit card offers, terms and limitations apply.

(Editing by Erin K)

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

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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 October 29, 2014. 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.

More Articles in Reviews

Blue Cash Everyday Card from American Express
Apply for Blue Cash Everyday Card from American Express
At American Express' Secure Site
  • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $50 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • Go to issuer's official application, terms, and details
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery RewardsEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionReturn Protection Travel Accident Insurance
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
$0

Compare Blue Cash Everyday to:

Blue Cash Preferred Card from American Express

Blue Cash Preferred® Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
  • Get one year of Amazon Prime plus $100 back after you make $1,000 in purchases with your new Card in the first three months.
  • You will receive $100 back in the form of a statement credit.
  • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Apply for Blue Cash Preferred Card from American Express
The Amex EveryDay Credit Card from American Express

The Amex EveryDay℠ Credit Card from American Express

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 21.99% Variable
Introductory Bonus Reward PointsPoint RewardsBonus Reward Points
  • Get One Year of Amazon Prime plus 10,000 Membership Rewards® points after you make $1,000 in purchases with your new Card in the first three months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance (prepaid hotel), on the American Express Travel site.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
Apply for The Amex EveryDay Credit Card from American Express
Discover it

Discover it®

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% for 6 months
0% for 18 months
10.99% - 22.99% Variable*
Cash Back RewardsBonus Cash BackNo Limits on RewardsExtended Warranty
  • 0% intro APR on balance transfers for 18 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • 0% intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • Over 5,000 cardmembers rated 4.8 out of 5 stars* and now Discover "Ranked Highest in Customer Satisfaction with Credit Card Companies in a Tie" by J.D. Power*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • No annual fee, no late fee for your first late payment - APR won't go up for paying late, no overlimit fee and no foreign transaction fee*.
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • *+See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Apply for Discover it

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Blue Cash Preferred

If you are looking to get cash back rewards on common household categories like gas and groceries, consider the American Express Blue Cash Preferred Card. American Express created the Preferred card (with a $75 annual fee) as an upgrade to the ...
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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.

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