American ExpressAmex Cash Back RewardsEditorially reviewed

Blue Cash Everyday® Card from American Express

No-annual-fee cash back card with 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations (on up to $6,000 per year in each category, then 1%), plus 1% on other purchases.

Entry LevelPersonal

American Express

Credit profile: good

Annual Fee

Top Earning Rate

3% back u.s. gas stations

Foreign Tx Fee

2.7%

Rating

N/A

Current Welcome Offer

200 cashback

$200 estimated value

Spend $2,000 in 180 days

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Card Offers

public

200 cashback

Verified

$200 estimated value

Spend $2,000 in 180 days

issuer website

Earning Rates

U.S. Gas Stations

3%cash back

On up to $6,000 per year in purchases, then 1%

U.S. Online Retail Purchases

3%cash back

On up to $6,000 per year in purchases, then 1%

U.S. Supermarkets

3%cash back

On up to $6,000 per year in purchases, then 1%

All Other 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: 18.24% - 29.24%0% intro APR for 15 months
Balance Transfer APR: 18.24% - 29.24%0% intro APR for 15 months
Cash Advance APR: 29.99%
Penalty APR: 29.99%May apply if you pay late

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

7 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

Hidden Gems

Return Protection as a Safety Net

If a retailer refuses to accept a return within 90 days of purchase, American Express may reimburse the item's cost up to $300 per item and $1,000 per year. This benefit is easy to overlook but can be genuinely useful when dealing with strict merchant return policies.

Amex Offers for Extra Savings

Cardmembers can access targeted statement credit and cash back offers at select merchants through Amex Offers. While the savings vary and offers must be individually enrolled, this feature can meaningfully reduce everyday spending costs beyond the standard rewards rates.

Global Assist Hotline for Travelers

Despite being an entry-level card, the Blue Cash Everyday includes 24/7 emergency coordination services through the Global Assist Hotline when traveling over 100 miles from home. Services include medical referrals, legal referrals, and emergency translation support.

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 credit card ideal for everyday spending. Cardmembers earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, and 3% cash back at U.S. gas stations (each on up to $6,000 per year in purchases, then 1%). All other purchases earn 1% cash back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card also includes a welcome offer, a 0% intro APR period on purchases and balance transfers, and valuable purchase protections. There is no annual fee.

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 from American Express

200 cashback, worth about $200 estimated value, with no annual fee.

Spend $2,000 in 180 days

Apply Now Compare Cards

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