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Updated January 4, 2016

What's The Catch? Blue Cash Everyday Review 2016

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

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, then consider the Blue Cash Everyday Card. This credit card with no annual fee also offers $100 back after you spend $1,000 on purchases on your new card in your first 3 months. 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

  • Cash back
  • $100 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

NEED AN EVERYDAY CREDIT CARD?

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

  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. 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. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees

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

WHO IS 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 $49/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 $75 annual fee.

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

    Our suggestion: If you spend more than $145/week on gas, consider the Blue Cash Preferred instead. The Blue Cash Preferred earns 3% back at U.S. gas stations but has a $75 annual fee.

  • If you’re a big shopper: You earn 2% cash back at select U.S. department stores

Related: AMEX Everyday vs Blue Cash Everyday Review

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 Everyday 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 15 months

Cons

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

HOW IT COMPARES

How About the Preferred? If you spend more than $2500/year (~$49/week) at U.S. supermarkets or more than $7,500 (~$145/week) at U.S. gas stations, consider the Blue Cash Preferred, which has a $75 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$75 annual fee
See Rates & FeesSee Rates & Fees
Cash Back DealIntroductory Bonus Cash Back: Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.Introductory Bonus Cash Back: Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $150 back in the form of a statement credit.
Cash BackCash Back Rewards: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.Cash Back Rewards: 6% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 3% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
GasGas Rewards: 2% at US gas stations. Terms and limitations applyGas Rewards: 3% cash back at US gas stations
GroceryGrocery Rewards: 3% at US supermarkets, up to $6,000 per year in purchases (1% thereafter). Terms and limitations applyGrocery Rewards: 6% cash back at US supermarkets on up to $6,000 per year in purchases (then 1%)

How About Chase Freedom? If you prefer a Visa credit card, consider the Chase Freedom. Right now, this no annual fee credit card also has a $150 promotion (spend $500 within 3 month and you'’ll get $150 back).

 Blue Cash Everyday Card from American ExpressChase Freedom
 Apply Now for Blue Cash Everyday Card from American ExpressApply Now for Chase Freedom
 

Blue Cash Everyday® Card from American Express

Chase Freedom®

 

Summary

 
  • Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. 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. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • 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 Select Grocery Stores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee
 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR on Purchases for 15 months0% Intro APR for 15 Months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 15 months0% Intro APR for 15 Months
Purchase APR13.24% to 22.24% 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 22.24% 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
 

Benefits and Features

Introductory Bonus Cash BackIntroductory Bonus Cash Back: Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.Introductory Bonus Cash Back: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Cash Back RewardsCash Back Rewards: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.Cash Back Rewards: Unlimited 1% cash back on all other purchases - it's automatic
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. It's free and easy to activate your bonus each quarter.
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 (details TBA)
Q4 (October 1 – December 31, 2016): Holiday shopping (details TBA)
Gas RewardsGas Rewards: 2% at US gas stations. Terms and limitations apply
Grocery RewardsGrocery Rewards: 3% at US supermarkets, up to $6,000 per year in purchases (1% thereafter). Terms and limitations apply 
Smart Chip
 Apply Now for Blue Cash Everyday Card from American ExpressApply Now for Chase Freedom

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

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

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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 January 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.

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 $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.
  • Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases (then 1%), 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.
  • With the Blue Cash Everyday® Card, you can start earning cash back. 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. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24% to 22.24%, based on your creditworthiness and other factors.
  • Terms and restrictions apply.
  • See Rates & Fees
  • 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
13.24% - 22.24% 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

Chase Freedom

Chase Freedom®


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