Blue Cash Everyday® Card from American Express Review

Our Review

The Blue Cash Everyday® Card from American Express is one of the most compelling no-annual-fee cash back cards on the market, and at GuideForCards, we think it deserves serious consideration for anyone who spends regularly at U.S. supermarkets, U.S. gas stations, or on U.S. online retail purchases. With a $0 annual fee and a straightforward 3% cash back rate across three high-value everyday categories, it delivers strong rewards without requiring any ongoing cost to carry. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. Terms apply.

Apply and find out your welcome offer. New cardholders may be eligible for as high as $200 cash back after spending $2,000 in purchases in the first 6 months. Welcome offers vary and you may not be eligible for an offer. 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 comes with a 0% intro APR for 15 months on purchases and balance transfers — one of the longer introductory periods available on a no-fee card — after which the ongoing 19.49%–28.49% Variable APR applies.

The rewards structure is built around three everyday categories, each earning 3% cash back on up to $6,000 in spending per year, after which the rate drops to 1%. Those categories are U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. Terms apply. It’s worth noting that the supermarket and gas station rates apply specifically to qualifying U.S. locations — superstores like Walmart and Target, as well as wholesale clubs, do not qualify for the elevated supermarket rate. Similarly, the gas station bonus applies only to stand-alone U.S. gas stations, not to supermarkets or superstores that sell fuel.

The online retail category is a differentiator that sets this card apart from many of its competitors. As more household spending shifts to e-commerce, earning 3% cash back on U.S. online retail purchases — whether through a retailer’s website or app — adds real, year-round value. Note that online purchases of services, such as travel bookings or food delivery, do not count toward this category per American Express’s terms. Terms apply.

The card also includes up to $84 per year ($7 per month) in statement credits for eligible Disney streaming subscriptions — a benefit that, for Disney Bundle subscribers, provides meaningful ongoing value at no extra cost. Enrollment required. Terms apply. One consideration for international travelers: this card charges a 2.7% foreign transaction fee on purchases made abroad, so it’s best used domestically.

At GuideForCards, we recommend the Blue Cash Everyday® Card from American Express to everyday spenders who want solid cash back across U.S. supermarkets, U.S. gas stations, and online shopping — without paying an annual fee to get it. It’s a particularly good fit for households whose supermarket and online spending doesn’t quite reach the level where the Blue Cash Preferred® Card from American Express (with its higher rates but $95 annual fee after the first year) would pull ahead. If you want rewarding, no-fuss cash back on your most common purchases, this card earns it.