Blue Cash Everyday Card from American Express
Earn 3% cash back on groceries, gas, and online shopping with $0 annual fee
The Blue Cash Everyday delivers 3% cash back at U.S. supermarkets, gas stations, and online retailers (up to $6,000 per category annually), plus an $84 annual Disney streaming credit. No annual fee means all rewards flow directly to you, with 0% intro APR for up to 18 months (it may be as short as 6 months) on purchases and balance transfers.
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Top Rate
- 3%
Terms checked against the issuer on October 29, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 2.7%
- Network
- Amex Standard
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $2,000
Period: 6 months
Earning Rates
- 3%
Gas Stations
Earn 3% cash back at U.S. gas stations on eligible purchases, on up to $6,000 per calendar year in purchases (then 1%)
Cap: $6,000/annual
- 3%
Grocery Stores
Earn 3% cash back at U.S. supermarkets on eligible purchases, on up to $6,000 per calendar year in purchases, (then 1%)
Cap: $6,000/annual
- 3%
Online Shopping
Earn 3% cash back on U.S. online retail purchases, on up to $6,000 per calendar year in purchases (then 1%)
Cap: $6,000/annual
- 2%
Department Stores
2% at select U.S. department stores — No annual cap.
- 1%
All Other
1% cash back on all purchases
Earning Scenarios
3% Cash Back at U.S. Supermarkets
Earn 3% cash back on grocery purchases at U.S. supermarkets on up to $6,000 in annual spending, then 1% thereafter. Works at major chains nationwide with no category activation required. Simply shop for groceries as usual and earn automatically.
Spend $500 monthly on groceries ($6,000 annually): earn $180 in cash back per year, reducing your effective grocery cost by 3%.
3% Cash Back at U.S. Gas Stations
Automatically earn 3% cash back on gas station purchases in the U.S. on up to $6,000 in annual spending, then 1% thereafter. Covers all major gas station brands and convenience store purchases made at the pump or inside.
Spend $200 monthly on gas ($2,400 annually): earn $72 in cash back per year, lowering your fuel expenses automatically.
3% Cash Back on U.S. Online Retail
Earn 3% cash back on U.S. online retail purchases at qualifying merchants on up to $6,000 in annual spending, then 1% thereafter. Covers major online retailers for everyday purchases, from electronics to apparel.
Spend $300 monthly shopping online ($3,600 annually): earn $108 in cash back per year on purchases you're already making.
1% Cash Back on All Other Purchases
Earn 1% cash back on all other eligible purchases with no spending caps. From dining to travel to bills, every dollar spent earns cash back. No categories to track, no limits to worry about.
Spend $1,000 monthly on other purchases ($12,000 annually): earn $120 in cash back per year on top of your bonus category earnings.
Benefits & Perks
Annual Credits & Statement Credits
1 creditsUp to
$84
in recurring credits (annual)
$7/mo Disney+
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday Card for a subscription purchase, including a bundle
$7
Monthly
Insurance & Protections
3 protectionsZero liability protection on fraudulent charges
You're not responsible for unauthorized charges. Amex covers 100% of fraudulent transactions when reported promptly.
Up to $1,000 per item against damage or theft
$1,000
Reimbursement for purchases damaged, stolen, or lost within 90 days. Up to $1,000/item, $50K annual max on this card.
Car Rental Loss and Damage Insurance
secondary
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesHow It Compares
The Blue Cash Everyday stands out among no annual fee cash back cards with 3% earnings in three high-spend categories - groceries, gas, and online retail - each with generous $6,000 annual caps. The $84 annual Disney streaming credit adds value beyond the base cash back structure.
Pros and Cons
Pros
- +No annual fee with solid category rewards
- +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
- +Up to $84/year Disney Bundle credit for streaming subscriptions
- +0% intro APR for 15 months on purchases (3 months longer than Preferred)
- +As high as $200 cash back welcome offer after $2,000 spend in 6 months (offers vary)
- +3% cash back at U.S. gas stations and on U.S. online retail purchases (each up to $6,000/year, then 1%)
- +Upgrade path to Blue Cash Preferred when spending increases
Cons
- -3% grocery rate is half of Blue Cash Preferred's 6%
- -2.7% foreign transaction fee makes it unsuitable for travel
- -3% rates on gas and online retail are capped at $6,000/year each
- -1% back on non-category purchases is below average
- -$6,000 annual cap on grocery bonus limits heavy spenders
Who It's Best For
Best For
- Budget-conscious households wanting grocery rewards without an annual fee
- Moderate grocery spenders under $3,167/year (breakeven vs Blue Cash Preferred)
- Disney+, Hulu, or ESPN+ subscribers who want up to $84/year streaming credit
- Those seeking a long 0% intro APR period (15 months on purchases)
- Entry-level Amex cardholders who may upgrade to Blue Cash Preferred later
Not Ideal For
- Heavy grocery spenders over $3,167/year (Blue Cash Preferred earns more)
- International travelers (2.7% foreign transaction fee)
- Those seeking higher streaming and transit rewards (Preferred earns 6% on select U.S. streaming and 3% on transit)
- Cardholders who want travel benefits or lounge access
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$50.40
Annual Fee
-$0
Net Annual Value
+$50.40
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Amex 2/90 | You'll be declined if you apply for a third Amex card in 90 days |
| Amex 4 Credit | Amex will decline your application if you already have 5 credit cards (not charge) and apply for a sixth |
| Amex Family | If you have received a signup bonus from a higher tiered card, you are ineligible to receive a bonus from a lower tiered card in that same card family |
| Amex 1/7 | Amex allows only 1 bonus per specific card every 7 years (yours or that version of the card) |
| Amex Popup Jail | After you apply, Amex may show a pop-up saying you're ineligible for the welcome bonus |
Payment Terms
| Purchase APR | 19.74%–28.74% (Variable) |
| Foreign Transaction Fee | 2.7% |
| Authorized User Fee | $0 |
Card Family
Blue Cash family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Amex Blue Cash Preferred | mid | $95 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Video Reviews
8 videosSo the Amex Blue Cash Everyday Credit Card... in 2025
Amex Blue Cash Everyday vs Blue Cash Preferred (Which is Better?)
What I Wish I Knew Before Getting Amex Blue Cash Everyday
Amex Blue Cash Everyday vs Preferred (It's Simple Math)
AMEX Blue Cash Everyday Card Review 2026: Is It Worth It?
American Express Blue Cash Everyday Credit Card Review (2023 version)
Amex Blue Cash Every Day Honest Review | GOOD OR BAD IN 2020??
Third-Party Articles & Reviews
Blue Cash Everyday® Card from American Express Review
Doctor of Credit's analytical review covering the Blue Cash Everyday's earning structure, current welcome bonus, and how it fits into a multi-card cash back strategy. Includes discussion of Amex Offers value and historical bonus trends for the card.
Blue Cash Everyday Card from American Express Review
Forbes Advisor review examining the Blue Cash Everyday's strengths for everyday spending categories and its position among no annual fee cash back cards. Analysis includes optimal spending strategies to maximize the $6,000 annual caps in each 3% category.
American Express Blue Cash Showdown: Everyday or Preferred?
NerdWallet's detailed comparison guide between the two Blue Cash cards, with spending calculators to determine which card maximizes rewards based on individual spending patterns. Analyzes the grocery rate difference (3% vs 6%) and streaming benefits (both cards now offer Disney Bundle credits).
AmEx Blue Cash Everyday Review: Rewarding, for no annual fee
NerdWallet's comprehensive review of the Blue Cash Everyday highlighting the 3% bonus categories and how they compare to other no annual fee cards. Includes analysis of who should consider this card versus upgrading to the Blue Cash Preferred with its higher grocery rate.
Amex Blue Cash Everyday vs. Blue Cash Preferred: Two top cards for grocery rewards
CNBC Select's side-by-side comparison of the Blue Cash Everyday and Blue Cash Preferred, helping readers determine which card delivers better value based on annual grocery spending. Includes breakeven calculations showing when the Preferred's $95 fee pays for itself through higher earning rates.
Blue Cash Everyday Card from American Express review: Earn 3% back in key categories
Comprehensive TPG review of the Blue Cash Everyday covering the 3% cash back structure across groceries, gas, and online retail, plus analysis of the $264 in potential annual credits from Disney Bundle and Home Chef. Discusses the card's value proposition for families and everyday spenders with no annual fee.
Blue Cash Everyday® Card from American Express Review
Bankrate's detailed review analyzing the Blue Cash Everyday's earning structure, welcome bonus, and how the $0 annual fee stacks up against competitors. Includes breakeven analysis for the Disney and Home Chef credits, and comparison with the Blue Cash Preferred.
Blue Cash Everyday Card from American Express Review
Credit Karma's editors review the Blue Cash Everyday as a solid option for earning high cash back rates on everyday essentials. Discusses the card's appeal for cardholders who want straightforward rewards without annual fees or complex redemption systems.
American Express Blue Cash Everyday Reviews
WalletHub's aggregated review featuring user ratings and expert analysis of the Blue Cash Everyday. Includes community feedback on real-world usage of the 3% categories and how the $6,000 annual caps affect everyday cardholders.
Blue Cash Everyday Card from American Express 2025 Review
U.S. News analysis positioning the Blue Cash Everyday as a good pick for people who spend moderate amounts on groceries, gas, and online purchases without wanting to pay an annual fee. Discusses the card's competitive position in the no-fee cash back market.
Blue Cash Everyday® Card from American Express
Daily Drop's expert take on the Blue Cash Everyday, highlighting how it gives cash back without asking for much in return. Discusses the card's role in a diversified wallet and how it complements other rewards cards for non-bonus category spending.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| American Express | — | American Express |
| American Express | — | American Express |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| RewardsCC API | — | RewardsCC API |
| American Express | American Express: Earn rates | |
| American Express | American Express: Welcome offer | |
| American Express | American Express | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer |
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Articles about this card
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Card StrategyIs a credit card annual fee worth it? A realistic break-even methodAn annual fee is worth it when extra rewards and benefits you will use beat the fee versus your real alternative. A break-even method with worked examples.
- Cash BackHow to choose a cash back card from your actual spendingA 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.