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Updated April 30, 2017

What's The Catch? Blue Cash Everyday Review

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 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 from American Express. Read on for the pros and cons.

Blue Cash Everyday
Apply Now

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
  • No annual fee
  • Intro APR
  • Not a Visa/MasterCard

Bottom Line

Great cash back card for cardholders who pay in full

LOOKING FOR AN EVERYDAY CREDIT CARD?

Here's why you may want to consider this credit card:

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
  • See Rates & Fees

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

WHO THIS CARD IS RIGHT FOR

  • If you eat at home a lot: You earn 3% cash back at U.S. supermarkets on up to $6,000 a year in purchases (then 1% after that).

    Counterpoint: 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 as well) but has a $95 annual fee.

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

    Counterpoint: 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 shop a lot: You earn 2% cash back at select U.S department stores such as Macy's, Kohl's, and JCPenney. We'll cover the list of department stores later in this review.

Related: Blue Cash Everyday vs Amex EveryDay

Bonus Cash Back

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

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

Cash Back: What You Need to Know About Rewards

Here's why this card is a standout:

The Blue Cash Everyday Card stands out because their rewards structure is simpler to follow than many other cash back credit cards that change rewards categories four times a year. It can be tough to keep up with which credit card has which rewards at any given time. This Amex card has a much simpler structure 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, some of the most common expenses for many families. As its name implies, using this card on "everyday" purchases really makes the cash start to add up:

  • 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1% after that).
  • 2% cash back at U.S. gas stations and select U.S. department stores.
  • All other eligible purchases earn you cash back at a rate of 1%.

Redemption is also straightforward: The cash you accrue is called Reward Dollars, which you redeem for statement credits, gift cards, and merchandise.

CAN YOU GET BETTER REWARDS WITH ANOTHER AMEX CARD?

While you could get higher percentages for some purchase categories with other American Express cards, those cards often have an annual fee. Can't decide between the Cash Everyday 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 another one.

Did you buy a lot of groceries? Or spend a lot at the gas pump? It's important to consider whether your estimated rewards would make up for an annual fee. If so, you may want to consider the Blue Cash Preferred.

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

It may seem obvious, but the definition of a "supermarket" can actually differ according to 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 functions as a convenience store, consider using your Amex at the pump and inside the store to get your milk or other last-minute items (but keep in mind that items you buy in a gas-station store are usually more expensive than the same items at 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 into 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 United States. You can get cash back for purchase made online or in stores at the following places:

  • 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 Protection

The Blue Cash Everyday card also provides cardholders with extra travel and purchase protection, 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 your card to 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 issue you 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.

Pros

  • $100 statement credit after you use your new card to make $1,000 in purchases within the first 3 months
  • 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% at U.S. gas stations and select U.S. department store purchases
  • Introductory 0% APR on purchases and balance transfers for 12 months. Afterwards, a variable APR, currently 13.74% to 24.74%.
  • No annual fee

Cons

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

HOW IT COMPARES

How About the Blue Cash Preferred? If you spend more than $3,167/year (or ~$61/week) at U.S. supermarkets or more than $9,500/year (or ~$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 in purchases per year, then 1%) 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: $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.Introductory Bonus Cash Back: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
Cash BackCash Back Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Terms and limitations apply.Cash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. Terms and limitations apply.
GasGas Rewards: 2% cash back 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% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms and limitations applyGrocery Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year. Terms and limitations apply
 Apply NowApply Now

See: Blue Cash Everyday vs Preferred

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

 

Blue Cash Everyday

Chase Freedom

 

Interest Rates and Fees

Introductory APR for Purchases0% introductory APR on Purchases for 12 months0% introductory APR for 15 months
Introductory APR for Balance Transfers0% introductory APR on Balance Transfers for 12 months0% introductory APR for 15 months
Purchase APR13.74% to 24.74% Variable based on your creditworthiness and other factors15.74% to 24.49% Variable based on your creditworthiness and other factors
Balance Transfers APR13.74% to 24.74% Variable based on your creditworthiness and other factors15.74% to 24.49% 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: $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.Introductory Bonus Cash Back: Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.
Cash BackCash Back Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back 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. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2017:
Q1 (January 1 – March 31, 2017): Gas stations and local commuter transportation (not including parking, tolls, and Amtrak® purchases)
Q2 (April 1 - June 30, 2017): Grocery stores (not including Walmart® and Target® purchases)
Q3 (July 1 – September 30, 2017): TBA
Q4 (October 1 – December 31, 2017): TBA
GasGas Rewards: 2% cash back at U.S. gas stations. Terms and limitations apply 
GroceryGrocery Rewards: 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). Terms and limitations apply 

Chase Freedom: Pricing information including interest rates, benefits and fees were obtained on April 13, 2017 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. Remember, as with all credit card offers, terms and limitations do apply.

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

Meghan C is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Write to Meghan C at meghan@creditdonkey.com. 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 April 30, 2017. 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 and Chase Slate have been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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
  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms 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% on Purchases for 12 months
0% on Balance Transfers for 12 months
13.74% - 24.74% Variable
$0

Compare Blue Cash Everyday to:

Compare American Express Blue Cash Everyday vs Blue Cash Preferred

Blue Cash Preferred® Card from American Express

Compare American Express Blue Cash Everyday vs Amex EveryDay

The Amex EveryDay® Credit Card from American Express

Compare American Express Blue Cash Everyday vs Premier Rewards Gold Card

Premier Rewards Gold Card from American Express


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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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