The Blue Cash Everyday Card from American Express is one of the most preferred cards in the US market as this card earns the cash reward on everyday spending and is absolutely free of cost to have.
If you prefer a card that helps you earn cashback in everyday spending but do not wish to pay any fee for the card, the Blue Cash Everyday® Card from American Express is the one you are looking for.
With cashback earnings at U.S. supermarkets, U.S. department stores, and U.S. gas stations this card is good to go for you.
The Blue Cash Everyday card is actually a great card for families and frequent shoppers as it offers a generous amount of cashback on everyday purchases.
| Pro’s | Con’s |
|---|---|
| No Annual Membership fee | Limited Reward redemption option |
| 0% Intro APR | Foreign Transaction Fee |
| Various Reward Category | Reward capping for Supermarket spends |
Overview
The Blue Cash Everyday Card from American Express comes with all kinds of benefits you expect from a no Annual membership fee card. You have several bonus categories where you can earn cashback upto 3% and a handsome amount to start with as a welcome bonus.
We’ll try cover all the benefits and disadvantage which comes with the Blue Cash Everyday Card from American Express in the review.
The Blue Cash Everyday Card from Amex is best suited for you if you like to get cashback and not the membership reward points on your everyday spending.
And no annual membership fee on this card makes it more suitable if you only use the card for everyday spending and not any major spending.
Even though the Blue Cash Everyday Card from American Express is not for any specific category of users, if you are using the credit card for the first time or are a student or a young professional this card can help you build credit while earning cashback.
Prime Features
- Welcome Bonus Upto $300 as cashback
- Cash Reward
- Car Rental Insurance
- Pay It and Plan it
- Year-end summary
- Fraud protection
- 0% APR offer for 15 Months
Welcome Bonus
With the welcome bonus offer, you can earn upto $300 Cashback in form of a statement credit. This is how you can earn :
-You can get 20% back on Amazon.com purchases on the Card within the first 6 months of Card Membership with upto a maximum of $150 cashback.
-Additionally, you also earn $150 Cash Back after you spend $2,000 in purchases on the Card within the first 6 months from the Card approval date.
– 0% intro APR on purchases for 15 months from the date of account opening, and after that a variable APR which may vary between 13.99% to 23.99%.
All these credits are applied as a statement credit and are adjusted with the balance on your account. You can click here to apply for this card.
Cash Back Reward
- 3% Cashback at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
- 2% Cashback at U.S. gas stations
- 2% Cashback at Select U.S. department stores
- 1% Cashback on all other eligible purchases
Redeeming Rewards
The cashback you earn on the card keeps on getting added to the account which never expires until you decide to cancel your card. So, the more you spend, the higher your Cash Back reward will be.
Once you have a $25 or above cash reward available, you can go ahead and can redeem them as statement credit and can get your balance adjusted. However, the cashback reward does not adjust the minimum balance due on the account.
As this card earns Cash Back, it can not be used to pay the travel charges or any other charge on the account like membership reward points.
As the Blue Cash Everyday Card from American Express is a cash-back credit card the redemption process is relatively simple. All you need is to earn a minimum of $25 and pay the balance by redeeming the reward as a statement credit.
Earning cash back at Supermarkets and Gas stations
Being a card with no annual membership fee, the Blue Cash Everyday card from Amexhas a great rewards rate. You earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% Cash Back at U.S. gas stations and select U.S. department stores, and 1% Cash Back on general purchases.
Although the Supermarket category has a reward cap, it is still pretty much a valuable category to have on the card. So, if you can make the most out of this category itself, you get a cashback of $180 within a year by not paying any membership fee.
The Alternative to Consider
The Blue Cash Everyday Card from American Express vs. American Express Blue Cash preferred
American Express Blue cash preferred card should be the next preference if you wish to earn more Cashback rewards on your everyday spending. The Blue Cash Preferred card has an ongoing promotion to get the card for free for the first year and after that $95 would be the annual membership fee on the card. Here are the reward features you will be entitled to get if you ever consider upgrading your card
- 6% Cashback on U.S. supermarkets with $6000 annual cap and then 1%
- 6% Cashback on select U.S. streaming services
- 3% Cashback at U.S. gas stations
- 3% at transit
- 1% on all the other charges
The Cashback on the blue cash preferred card is also applied to the account in statement credit form to adjust the account balance.
The American Express Blue Cash Preferred currently has a welcome offer to get upto $400 Cashback. It includes the $200 Cashback when $3000 spending is done within 6 months and upto 20% Cashback with Amazon charges with a $200 cashback cap.
Depending on your regular everyday spending budget, the Blue Cash Preferred may be a better option than the Blue Cash Everyday.
Keeping the high-end Cashback reward of 6% in mind with the American Express Blue cash preferred card, you can get upto $360 Cashback when to spend $6000 whereas on the Blue cash everyday card you only be getting a $180 reward with the same amount of spending and we are not even considering any other reward category.
Comparison Chart
| Spending category | Preferred Cashback % | EveryDay Cashback % | Monthly Spending | Preferred vs Everyday annual Saving |
|---|---|---|---|---|
| U.S Super Market | 6% (Upto $6000) | 3% | $500 | $360 vs $180 |
| Streaming Subscription | 6% | 1% | $25 | $18 vs $3 |
| Gas and Transit | 3% | 3% | $400 | $144 |
| Other charges | 1% | 1% | $1000 | $120 |
| Overall | $1925 | $640 vs $445 |
Conclusion
The Blue Cash Everyday Card from American Express is a card you are actually looking for if you are a beginner with limited funds and wish to use the card only for everyday spending with cashback on common categories such as groceries or gas without paying an annual fee when you can not justify the annual membership fee on the American Express Blue Cash preferred card.
A no annual membership fee with a Cashback reward category, the Blue Cash Everyday Card from American Express has a lot to offer like 0% APR for 15 months, a $300 welcome bonus statement credit, and reward categories like Supermarket and gas stations.
For members who spend a significant amount on U.S. supermarket and U.S. gas station purchases, the Blue Cash Everyday from American Express card offers a generous rate of cashback without any membership fee.
However, if you are looking to maximize rewards in U.S. supermarkets, the American Express Blue Cash Preferred card should be your priority even when the card has an annual membership fee as that would suit your need and requirement with a high-end Cashback reward.
