$0
Annual fee
$1,000
Bonus value
See the card
Card reviewAmerican Express
Updated Jul 3, 2026 · research
American ExpressReward DollarsEditorially reviewed
Blue Cash Everyday® Card
No annual fee cash back card earning 3% at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, each up to $6,000 per year then 1%.
Entry LevelPersonal
American Express
$0
Annual fee
3% back u.s. gas stations
Top rate
2.7%
Foreign fee
N/A
Rating
Current Welcome Offer
200 cashback
$200 estimated value
Spend $2,000 in 180 days
Verifiedissuer page
Card Offers
public
200 cashback
$200 estimated value
Spend $2,000 in 180 days
issuer page
Earning Rates
U.S. gas stations
3%cash back
On up to $6,000 per year in eligible purchases, then 1%.
U.S. online retail purchases
3%cash back
On up to $6,000 per year in eligible purchases, then 1%.
U.S. supermarkets
3%cash back
On up to $6,000 per year in eligible purchases, then 1%.
Other eligible purchases
1%cash back
Pros & Cons
Pros
- No annual fee makes it a low-risk, long-term card to hold
- Earns 3% cash back across three common everyday spending categories: U.S. supermarkets, U.S. online retail, and U.S. gas stations
- 15-month 0% intro APR on both purchases and balance transfers provides flexibility for large purchases or debt consolidation
- Includes meaningful purchase protections such as Purchase Protection and Return Protection
- $200 welcome bonus after a reachable $2,000 spend requirement within 6 months
Cons
- The 3% earning rate in each bonus category is capped at $6,000 per year, limiting value for heavy spenders
- Charges a 2.70% foreign transaction fee, making it a poor fit for international use
- Cash back redemption is limited to statement credits and Amazon.com checkout, with no transfer to travel partners
- Car rental insurance is only secondary coverage, not primary
- The 1% rate on all non-bonus purchases is below average compared to some flat-rate cash back cards
Key Takeaways
- No annual fee makes this card accessible with no ongoing cost to hold
- Triple cash back (3%) applies to U.S. supermarkets, U.S. online retail, and U.S. gas stations, each capped at $6,000 per year
- The 15-month 0% intro APR on purchases and balance transfers can help manage large expenses or existing debt
- Foreign transaction fees of 2.70% apply, so this card should not be used abroad
- Rewards are redeemable only as statement credits or at Amazon.com checkout
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2.7% |
APR Information
- Purchase APR
- 19.49% - 28.49%0% intro APR for 15 months
- Balance Transfer APR
- 19.49% - 28.49%0% intro APR for 15 months
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
9 benefits
Travel Insurance
Travel Access & Perks
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
Does the Blue Cash Everyday® Card from American Express have an annual fee?
No, this card carries no annual fee. There is no first-year waiver involved since the fee is $0 every year.
How much cash back can I earn at U.S. supermarkets?
You earn 3% cash back at U.S. supermarkets on up to $6,000 in purchases per calendar year. After reaching that cap, the rate drops to 1% for the remainder of the year.
What is the welcome offer on this card?
New cardmembers can earn a $200 cash back bonus after spending $2,000 in purchases within the first 6 months of account opening. The bonus is delivered as a statement credit.
How does the 0% intro APR work on this card?
The card offers 0% introductory APR on both purchases and balance transfers for 15 months from account opening. After the intro period ends, a variable APR of 18.24% to 29.24% applies.
Is there a fee for balance transfers?
Yes, a balance transfer fee of 3% or $5 minimum applies to each transfer, even during the 0% introductory APR period. You should factor this cost in when deciding whether to transfer a balance.
Does this card charge foreign transaction fees?
Yes, the Blue Cash Everyday® Card charges a foreign transaction fee of 2.70% on purchases made outside the United States. This makes it less ideal for international travel or spending.
How do I redeem my cash back rewards?
Cash back is earned as Reward Dollars, which can be redeemed as a statement credit applied to your account balance or used at Amazon.com checkout. There is no complex transfer or conversion process required.
Does the card include any purchase protections?
Yes, the card includes Purchase Protection, which covers eligible new purchases against accidental damage or theft for 90 days from the purchase date, up to $1,000 per occurrence and $50,000 per year. It also includes Return Protection, which can refund the purchase price of eligible items a merchant won't accept back within 90 days, up to $300 per item and $1,000 per year.
What credit score do I need to apply for this card?
American Express targets applicants with good credit for this card. While approval is never guaranteed, a solid credit history generally improves your chances.
Does the card offer any travel assistance benefits?
Yes, the card includes access to the Global Assist Hotline, which provides 24/7 emergency coordination services when traveling more than 100 miles from home. Services include medical referrals, legal referrals, and emergency translation, though any third-party costs incurred are the cardholder's responsibility.
About This Card
This card is best for budget-conscious households that spend regularly at U.S. supermarkets, gas stations, and online retailers and want straightforward cash back rewards without paying an annual fee.
The Blue Cash Everyday® Card from American Express is a no annual fee cash back card. It earns 3% cash back at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations, each on up to $6,000 per year in eligible purchases then 1%, plus 1% cash back on other eligible purchases. Cash back is received as Reward Dollars redeemable for a statement credit or at Amazon.com checkout. The Card also offers a 0% intro APR on purchases and balance transfers for 15 months from account opening, then a variable APR of 19.49% to 28.49%.
The Blue Cash Everyday® Card stands out among no-annual-fee cash back cards by offering 3% cash back simultaneously across three high-frequency everyday categories: U.S. supermarkets, U.S. online retail, and U.S. gas stations.
Ready to Decide?
Apply for the Blue Cash Everyday® Card
200 cashback, worth about $200 estimated value, with no annual fee.
Spend $2,000 in 180 days
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