Reviews

AmEx Blue Cash Everyday Review: A Rewarding Cash-Back Card for a $0 Annual Fee

Blue Cash Everyday: Earn 3% on essentials, $0 annual fee.

Rickie C. Keys, Ph.D., MPH

Mar 24, 2024 — 1 min read

Features

Annual Fee: $0, making it financially accessible.
APR: 0% intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.24%-29.99%.
Rewards: 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%), U.S. gas stations, and on U.S. online retail purchases.
Welcome Offer: $200 statement credit after spending $2,000 in the first 6 months.

Benefits

Rewarding Cash Back Rates: Elevated cash back rates are available in categories like groceries, gas, and online shopping.
Intro APR Period: Offers a breathing space for new purchases or to manage existing debts.
No Annual Fee: Maximizes the return on spending without worrying about a fee.
Exclusive Offers: Eligibility for statement credits with select subscription services, enhancing the card’s value.

Drawbacks

Limited Reward Categories: Best cash-back for specific purchase types only.
Annual Spending Caps: Limits on high cash-back rates.
Excludes Service Purchases: No cash-back for services like meal delivery or travel bookings.

Product Summary

The Blue Cash Everyday® Card from American Express merges practicality with reward, offering robust cash back in daily spending categories such as U.S. supermarkets, gas stations, and online purchases without the burden of an annual fee. The card is particularly appealing for those looking to maximize rewards on everyday essentials. While the card includes spending caps on its higher cash-back rates, disciplined spenders can still reap significant benefits. Adding introductory APR offers and unique perks like subscription service credits further enhance its appeal, making it a comprehensive choice for consumers seeking value in a no-cost card. Ideal for the budget-conscious shopper, this card offers flexibility and savings potential, solidifying its position as a formidable player in the cash-back category.

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