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Blue Cash Everyday Card from American Express review: Enhanced earning rates and new statement credits

July 15, 2022
11 min read
Photo of hand holding the Blue Cash Everyday Card
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Blue Cash Everyday® Card from American Express overview

The Blue Cash Everyday® Card from American Express offers several bonus cash-back categories and some new benefits, making this card a decent option in the crowded field of cash-back cards. Card Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Editor’s note: This is a recurring post, regularly updated with new information.

Making the most of travel rewards can be a challenging endeavor — which is why many consumers lean toward cash-back credit cards. There are many options in this category, including several that incur no annual fee.

One such card — the Blue Cash Everyday Card from American Express — recently underwent a significant refresh, boosting earning rates and adding new statement credits. It may not be the best choice for everyone, but it does offer solid returns on popular spending categories, all with no annual fee (see rates and fees).

In this guide, I’ll take a closer look at the Blue Cash Everyday Card so you can decide whether this card is right for you.

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Who is this card for?

The Blue Cash Everyday Card from Amex is best suited for you if you prefer cash-back rewards over travel rewards. And this card may be a good fit if you aren’t willing to pay an annual fee or you won’t spend more than several hundred dollars on your card each month.

Although the Blue Cash Everyday Card from Amex isn’t a student credit card, it can help students and young professionals continue to build credit while earning modest rewards. But if you plan to use your card for more than several hundred dollars each month, you’ll likely get more out of other cash-back options.

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Related: Why you should get (and keep) a no-annual-fee credit card

Welcome offer

The current welcome offer on the Blue Cash Everyday Card from Amex is up to $250. 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 six 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 six months of card membership.

However, due to Amex’s once-per-lifetime rule, you likely won’t be eligible for this welcome offer if you have or previously had the Blue Cash Everyday Card. Amex may also consider other factors when determining your eligibility for the welcome offer.

Luckily, Amex has a welcome offer eligibility tool that will tell you after you apply whether you’re eligible for the bonus. So, if not being eligible to earn the bonus is a deal-breaker, you can withdraw your application before there’s a hard pull on your credit.

Related: How to use the CardMatch tool to get better welcome offers

Main benefits and perks

You can get secondary car rental coverage when you pay for eligible rentals with your card. (Photo by alexfan32/Shutterstock)

As with most no-annual-fee cash-back credit cards, the Blue Cash Everyday Card from Amex doesn’t offer many benefits. However, the card does offer the following perks, with some recent additions:

  • Intro APR: You can get 0% intro APR on purchases and balance transfers for 15 months from the account opening date (see rates and fees). After the introductory APR period, you’ll get a variable APR of 17.74% to 28.74% based on your creditworthiness and other factors (see rates and fees).
  • Disney Bundle statement credit: up to $84 annually, given as $7 per month. Enrollment required.
  • Home Chef statement credit: up to $180 annually, given as $15 per month. Enrollment required.
  • Amex Offers: As an American Express cardholder, you’ll get access to targeted offers that can save you money.
  • Global Assist Hotline*: When you’re more than 100 miles away from home, you’ll get 24/7 access to medical, legal, financial and select emergency coordination and assistance services. However, you’ll be responsible for any costs charged by third-party service providers.
  • Pay It® Plan It®: If you need additional flexibility when paying your credit card bill, you can use Pay It® to quickly make payments for purchases under $100 throughout the month (available through the American Express app). You can also use Plan It® for qualifying purchases of $100 or more and split them up into monthly payments with a fixed monthly fee. There is no enrollment or sign-up requirement.
  • American Express Experiences: Amex offers cardholders access to pre-sale tickets and exclusive events.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

Related: Best American Express credit cards for 2022

Earning

Earn 3% cash back on up to $6,000 of spending at U.S. supermarkets each calendar year. (Photo by Maria Savenko/Shutterstock)

With the Blue Cash Everyday Card from Amex, you’ll earn:

  • 3% cash back on the first $6,000 you spend each calendar year at U.S. supermarkets (then 1%).
  • 3% back on the first $6,000 you spend each calendar year at U.S. gas stations (then 1%).
  • 3% back on the first $6,000 you spend each calendar year at U.S. online retailers (then 1%).
  • 1% on all other eligible purchases

Cash back is received in the form of reward dollars that can be redeemed for statement credits.

These categories were recently expanded, making the Blue Cash Everyday a more viable option for consumers.

Still, earning 3% cash back in these categories might sound good for a no-annual-fee card (see rates and fees), but maxing out the $6,000-per-calendar-year spending cap will only net you $180 in cash-back rewards in each category per year. As such, many consumers looking for a cash-back card that earns bonus rewards at U.S. supermarkets will do better with a higher-earning card such as the Blue Cash Preferred® Card from American Express.

You may also want to use a different card for your other spending. After all, several no-annual-fee cards provide bonus cash back on all purchases. For example, the Citi® Double Cash Card offers 1% cash back when you buy and 1% cash back when you pay for a total of 2% cash back. And the Capital One Quicksilver Cash Rewards Credit Card offers 1.5% cash back on every purchase.

As such, the Blue Cash Everyday Card from Amex isn’t a particularly compelling option for earning cash-back rewards outside of its bonus categories.

Related: 3 reasons why you need a cash-back credit card in your wallet

Redeeming

Redeeming for statement credits can effectively put cash back in your wallet. (Photo by dolgachov/Getty Images)

The Blue Cash Everyday Card from Amex is a cash-back credit card. As such, the redemption process is relatively straightforward. Specifically, you earn cash-back rewards in the form of Blue Cash reward dollars. And you can now redeem these rewards for statement credits with no minimum redemption amount (previously it was $25).

Occasionally, American Express may offer you other ways to redeem reward dollars, such as gift cards or merchandise. However, if given other options, ensure that your redemption rate is the same or better than redeeming for a statement credit.

Related: Best ways to use the cash back from your credit card

What cards compete with the Blue Cash Everyday?

Two cash-back credit cards compete closely with the Blue Cash Everyday Card from Amex: the Blue Cash Preferred Card from American Express and the Citi Double Cash Card. So let’s take a closer look at these competitors.

Blue Cash Preferred Card from American Express

The most direct competitor to the Blue Cash Everyday Card from Amex is the Blue Cash Preferred Card from American Express. The Blue Cash Preferred has a $0 intro annual fee for first year, then $95(see rates and fees). But you’ll earn as follows with the Blue Cash Preferred:

  • 6% cash back on U.S. supermarkets (on up to $6,000 per calendar year, then 1%).
  • 6% on select U.S. streaming services.
  • 3% at U.S. gas stations and on transit.
  • 1% on everything else.

Like the Blue Cash Everyday, cash back is received in the form of reward dollars that can be redeemed for statement credits.

The Blue Cash Preferred currently has a welcome offer of a $250 statement credit after you spend $3,000 in purchases on your new card within the first six months of card membership.

Depending on your budget, the Blue Cash Preferred may be a better option than the Blue Cash Everyday. For starters, the 3% return on U.S. gas purchases is uncapped, and you also have the additional bonus categories of U.S. streaming services (6%) and transit (3%).

But groceries is where you can really come out ahead.

As an example, let's say you spend at least $6,000 at U.S. supermarkets each year — which works out to more than $500 per month. On the first $6,000 in purchases with the Blue Cash Preferred, you’d get $360 of cash-back rewards. However, the 3% earning rate on the Blue Cash Everyday would only get you $180 in rewards on the same purchases.

Even accounting for the annual fee, you’d still come out ahead using the Blue Cash Preferred instead of the Blue Cash Everyday when shopping at U.S. supermarkets.

To learn more, see the full Blue Cash Preferred Card from American Express review.

Related: Who should (and who shouldn’t) get the Amex Blue Cash Preferred card?

Citi Double Cash Card

Another card to consider is the Citi Double Cash Card, which earns 2% back on every purchase (1% when you buy and 1% when you pay your bill). Although the Blue Cash Everyday Card from Amex offers a slightly higher 3% on select purchases, the Citi Double Cash will likely end up reaping more rewards, since you can earn up to 2% on every single purchase with no annual fee. In addition, the Double Cash doesn’t have an annual fee.

Most importantly, the Citi Double Cash offers a pathway to more valuable redemption opportunities. That's because you can convert your rewards to ThankYou points if you hold an eligible Citi ThankYou Rewards credit card. You may not care about this option if you’re only interested in cash-back rewards. But this added flexibility can provide value if you eventually want to earn transferable points.

To learn more, check out our complete Citi Double Cash Card review.

Related: What credit score do you need to get the Citi Double Cash Card?

Bottom line

To be a top cash-back credit card, a card must offer an excellent rewards structure. The Blue Cash Everyday Card doesn't quite have that, but could still be a solid cash-back card for many, especially students and credit card beginners with low monthly budgets.

And with increased earning rates and new statement credits, the card is certainly now more valuable for existing customers.

For rates and fees of the Blue Cash Everyday, click here.
For rates and fees of the Blue Cash Preferred, click here.

Additional reporting by Ryan Wilcox.

Featured image by THE POINTS GUY
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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