Blue Cash Everyday® Card from American Express Review

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Paying with credit is convenient but it’s even better if you also earn cash back on the things you buy. Among the sea of cash back credit cards to choose from, the Blue Cash Everyday® Card from American Express (American Express is a CreditSesame.com advertiser) is a standout in more ways than one.

Blue Cash Everyday® Card from American Express rewards and features

If you’re new to the Blue Cash Everyday® Card from American Express, a place to start is its rewards structure. First, with the Blue Cash Everyday® Card from American Express, 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 at select U.S. department stores, 1% back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.

Blue Cash Everyday® Card from American Express has a Welcome Offer for eligible new Card Members after you spend $1,000 in purchases on your new Card within the first 3 months, you earn a $150 statement credit. Earning this as a statement credit means you can use your rewards to recoup the cost of charges made to your Card for travel, your grocery shopping trip or filling up at the pump.

The Blue Cash Everyday® Card from American Express comes with other benefits, such as Car Rental Loss and Damage Insurance and access to the Global Assist® Hotline. Other benefits you may be interested in: eligible purchases made with this Card may be covered by Extended Warranty, Purchase Protection (for theft and accidental damage) and Return Protection. Members also can get exclusive access to ticket presales and Card Member-only events in a city near you. Please be sure to read the important Offer and Benefit Terms, on the American Express website, which includes – which programs the Card Members are responsible for the costs charged by third-party service providers, exclusions and restrictions and access to Terms and Conditions that apply to these benefits.

Blue Cash Everyday® Card from American Express rates and fees

The Blue Cash Everyday® Card from American Express is not a charge card, it’s a credit card. Card Members do have the option to carry a balance from month to month. That does mean, however, outside of any introductory APR offer on purchases, that you’ll pay interest on the things you buy if you don’t pay the balance in full when due each month.

Quick Tip: For the application process your credit score and other factors are considered. See your free credit score on Credit Sesame. As a reminder having a credit score in a certain range does not guarantee approval for a credit card.

The Blue Cash Everyday® Card from American Express has no annual fee, which is a plus. The foreign transaction fee is 2.7% of each transaction after conversion to U.S. dollars, so this Card may not be a perfect card for someone who frequently travels outside the U.S.

Blue Cash Everyday® Card from America Express review – is it a choice for you?

The Blue Cash Everyday® Card from American Express may be a fit for anyone who wants to earn cash back on everyday spending without having to pay an annual fee.

For eligible new Card Members, earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months is a nice incentive with a reachable spending threshold.

The fact that your cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit takes the hassle out of how to use the rewards you earn. For example, you don’t have to try and work around blackout dates or other exclusions if you want to use your rewards for travel.

American Express doesn’t specify a credit score range that’s needed to get considered for approval but as a general rule, the more generous a card’s rewards structure, the higher your score needs to be to qualify. If you’re not sure where your score falls or what’s showing up on your credit report, signing up for Credit Sesame’s free credit monitoring service can clue you in as to where you stand before you apply. If you’re considering applying for a credit card keep in mind that credit card issuers consider your credit score, as well as other factors, when making a decision if you will be approved for one of their cards. In addition credit card issuers use a variety of different types of credit scores and the credit scoring model can vary depending on the credit card issuer. So, take your time choosing a credit card, compare offers and read the fine print.

Blue Cash Everyday® Card from American Express

Annual Fee: $0

Terms apply.


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Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

The information, including card rates and fees, presented in this article is believed to be accurate as of the date of the article. Please refer to issuer website and application for the most current information. Verify all terms and conditions of any offer prior to applying.

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Published March 11, 2016
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