Overview

Blue Cash Everyday Credit Card Snapshot
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Annual Fee: $0

Recommended FICO Score: 690-850

Interest Rate: 17.74% to 28.74%

SignOn Bonus: $100 cashback after $2,000 in 6 months and up to $150 cashback via shopping on Paypal

Card Type: Cashback

Best For: Shopping Online, groceries and gas stations.

The American Express Blue Cash Everyday credit card is suited for people looking for a no-fee cashback card for their daily expenses. The Everyday card offers a 3% cashback on online shopping, groceries and gas stations. The card also has a a sign on bonus to earn up to $150 back when you shop with PayPal. Earn 20% back as a statement credit on purchases when you use your new Card to check out with PayPal at merchants in the first 6 months of Card Membership, up to $150 back. Plus, earn $100 back as a statement credit after you spend $2,000 in purchases on your new Card in the first 6 months of Card Membership.

Reward Offering

The Sign On Bonus

The American Express Blue Cash Everyday card has a one-time bonus of $100 cashback once you spend $2,000 on purchases within the first 6 months from account opening. You can earn an additional $150 cashback via shopping on Paypal (you get 20% back on every transaction).

Reward Multiplier

3%

Earn 3% cash back on purchases at U.S. supermarkets, online shopping and gas stations (up to $6,000 annually) and 1% thereafter (approved list here).

1%

Earn 1% cashback on all other purchases.

Other Benefits

Special Intro Buy Now Pay Later Plan It® Fee Offer: $0 buy now, pay later Plan It fees on plans created during the first 15 months after account opening. Plans created after that, will have a plan fee up to 1.33% of each purchase amount of $100 or more moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

Who Is This Card Suited For

The American Express Blue Cash Everyday credit card is great for someone looking for a no-fee cashback card on their daily grocery and transportation expenses. The returns offered on this card are good, but if you are spending more than $250 a month on groceries it would be more beneficial for you to consider the American Express Blue Preferred card with its higher reward structure.

It is important to note that AMEX Blue Cash Everyday card offers their higher rewards for select supermarkets and gas stations (full list located here). What is excluded from the 3% cashback segment are wholesale clubs such as Sam’s Club, superstores like Target and Walmart, specialty food stores. Also, gas stations at warehouse clubs, superstores and supermarkets do not qualify for 2% cashback. Only traditional stand-alone gas stations qualify.

Key Benefits:

  • Good spending multipliers on grocery shopping and gas stations.
  • Intro APR and no annual fee.

Key Drawbacks:

  • No travel related benefits.
  • Spending caps on most lucrative reward segment ($6,000 annually on grocery shopping).
  • Foreign transaction fees.

Card Fees And Expenses

Annual Fee$0
Foreign Transaction Fee2.7% of each transaction after conversion to US dollars.
Interest Rates0% introductory APR for the first 15 months from the date of account opening.

After that, your APR will be 13.99% to 23.99%,
Late FeesUp to $40
Cash AdvanceEither $10 or 5% of the amount of each cash advance, whichever is greater.

25.24% APR