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Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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The Blue Cash Everyday Card improves earning rates and adds new monthly credits
Ryan is a former TPG credit cards writer who has been around points and miles for several years and has published content at Miles to Memories, AwardWallet and The Points Guy. His wife joins him on many of his trips, and they enjoy snowboarding, diving, and seeing animals in the wild. When not traveling, Ryan is probably answering questions from his family about how he travels so much and whether this points & miles stuff is illegal.
July 14, 2022 • 8 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.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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Quick summary
A popular cash-back card has updated its earning structure, now offering higher rewards at gas stations and for online retail purchases, both capped annually.
Two new monthly credits have been introduced: one for a meal-kit subscription and another for a streaming bundle, though these credits only partially offset the cost of each service.
The card has removed its minimum redemption threshold for cash-back rewards, making it easier for users to access their rewards.
All enhancements have been implemented without any increase to the card's cost structure.
What to consider
Enhanced earning rates for gas stations and online retail purchases are limited to a set amount each year, after which rewards revert to a lower rate.
Monthly credits for meal-kit and streaming services require enrollment and only provide partial coverage of each service's cost.
Some offers mentioned in the article are no longer available.
What you'll miss from the article
A detailed comparison of the new and previous benefits, plus tips for maximizing the value of the new monthly credits.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
American Express continues to add monthly perks and benefits to its credit card lineup. The newest card to join this list is the Blue Cash Everyday® Card from American Express, which now has an improved earning structure and a pair of new monthly credits that you can use.
But most importantly, these updates are being implemented without any change to the card's $0 annual fee (see rates and fees).
Here's everything you need to know about the refreshed Blue Cash Everyday Card — whether you're an existing cardholder or thinking about applying for the card.
Overview of changes to the Blue Cash Everyday
The Blue Cash Everyday Card from American Express has always been a solid choice among cash-back credit cards. Now, it's even more compelling thanks to an expanded earning structure and the addition of two monthly credits to its list of cardmember perks.
Here's a quick comparison of the card's changes, which we'll examine in detail below:
Benefit
Previously
As of July 14
Earning at U.S. supermarkets
3% cash back on up to $6,000 in annual spending in this category.
No change.
Earning at U.S. gas stations
2% back.
3% back on up to $6,000 in annual spending in this category.
Earning on U.S. online retail purchases
1% back.
3% back on up to $6,000 in annual spending in this category.
Earning on all other purchases
1% back.
No change.
Redemption minimum for cash back
$25 or more.
None.
Annual fee
$0 (see rates and fees).
No change.
Home Chef monthly credit
None.
Up to $180 annually (given as $15 per month. Subject to auto-renewal, enrollment required).
Disney Bundle monthly subscription credit
None.
Up to $84 annually (given as $7 per month after spending $9.99 or more on eligible subscriptions, subject to auto-renewal. Enrollment required).
The biggest changes include adding a 3% cash-back category for online shopping at U.S. retailers and boosting the earning rate from 2% to 3% at U.S. gas stations. Note that both of these earning rates are limited to the first $6,000 spent in that category each year, and then the earning rate will be 1% cash back. Cash back is received in the form of reward dollars that can be redeemed for statement credits.
In terms of cardmember perks, the monthly credits are a new feature. If you subscribe to Home Chef, which is a meal-kit service, you can receive $15 in monthly credits by paying with your Blue Cash Everyday Card (enrollment required, subject to auto-renewal).
In addition, removing the minimum redemption amount is a positive change for those who aren't big spenders but still want to utilize their rewards.
Cardmembers can also receive $7 in monthly credits by using the Blue Cash Everyday Card to spend $9.99 or more for an eligible subscription (subject to auto-renewal) to the Disney Bundle. This includes Hulu, Disney+ and ESPN+.
New applicants for the Blue Cash Everyday Card can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership.
Evaluating the changes
You can now earn bonus rewards for online shopping on the Blue Cash Everyday. (Photo by Oscar Wong/Getty Images)
Gaining benefits on your card without an increased annual fee (or starting to charge one, in this case) is always welcome. But do these changes provide any net value for cardmembers?
For those who use the Blue Cash Everyday Card at gas stations, you'll be happy to earn an extra 1% cash back on the first $6,000 you spend in this category each year.
However, adding the 3% earning rate for online shopping makes this the best cash-back credit card in this category. Most cardholders are likely already shopping online throughout the year, so earning an additional 2% (on up to $6,000 in purchases) is a solid boost.
The monthly credits might not move the needle very much — for existing cardholders or new applicants. The cheapest plan from Home Chef starts at $49.95 per week, so receiving $15 per month in credits is only a positive if you are paying for this service anyway and are happy to receive a discount.
Additionally, the Disney Bundle costs $12.99 if you choose the Hulu option with ads to save money. Thus, $7 per month in credits here won't cover the cost. It's nice to have if you're paying for this service anyway, but there are other ways to save money on your streaming services.
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:
Introductory annual percentage rate: You can get 0% introductory 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 19.24% to 29.99% based on your creditworthiness and other factors (see rates and fees).
Secondary car rental loss and damage insurance*: You’ll get secondary coverage for damage or theft of a rental vehicle when you use your card to pay for the entire rental and decline the collision damage waiver at the rental counter. However, this coverage excludes some vehicles and rental locations. (Underwritten by Amex Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc.)
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 purchase amounts under $100 throughout the month (available through the American Express app). You can also use Plan It for purchase amounts of under $100 and split them up into monthly payments with a fixed monthly fee. There is no enrollment or sign-up requirement. You can also enjoy $0 Plan It fees for plans created during the first 15 months from account opening. After this introductory period, plans will have a fee of up to 1.33% of the purchase amount, depending on several factors.
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.
Bottom line
The Blue Cash Everyday Card is boosting its earning structure in two positive ways. It's also adding two monthly statement credits for Home Chef and the Disney Bundle, and while the credits aren't enough to cover the full cost they should make you happy if you're paying for these services already.
Meanwhile, the enhanced earning rates on the card mean higher returns on gas purchases and online shopping. And all of these additions come with no annual fee increase.
Official application link: Blue Cash Everyday Card from American Express
For rates and fees of the Blue Cash Everyday Card, click here.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
