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American Express

Blue Cash Everyday Card from American Express

Blue Cash Everyday is the no-annual-fee sibling in the Blue Cash line, earning 3% back on the same supermarket, online retail, and gas categories that the Preferred earns 6% on, though here the cap is a more modest $6,000 per category per year. It is the right pick when grocery spend isn't high enough to amortize a $95 fee, or when you want a starter Amex with a 15-month 0% intro APR behind a planned big purchase. The $84 Disney Streaming Credit pays for itself if you keep an active subscription.

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Blue Cash Everyday Card from American Express card art
  • Annual fee
    Free
  • Welcome offer
    $200
    after $2,000 in 6 months
  • Recommended credit
    670-790
    Median 720. See why →

Earning rates

on Cashback
  • 3x
    Gas
    Cap $6k/yr, then 1x
    Cap $6,000
  • 3x
    U.S. Online Retail
    Cap $6k/yr, then 1x
    Cap $6,000
  • 3x
    U.S. Supermarkets
    Cap $6k/yr, then 1x
    Cap $6,000
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • Global Assist Hotline

Lifestyle credits

  • $84 Disney Streaming Credit
    $7

Purchase and protection benefits

  • Purchase Protection
    Up to $1,000 · 90d

Travel and purchase coverage

  • Rental car collision damage waiver
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.49% to 28.49%
Foreign tx
2.70%
Penalty APR (cap)
29.99%
Balance transfer
19.49% to 28.49%
Fee $5 or 3.00%, whichever is greater
Cash advance
28.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports only positive activity, and only once the AU is 18+. Negative reporting on the primary is removed from the AU's file.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons
  • Blue Cash Preferred Card from American Express card art
    Blue Cash Preferred Card from American Express
    Amex

    Blue Cash Preferred is the suburban grocery and streaming card, earning 6% cash back at U.S.

    $95 annual fee
    View card Compare
  • Wells Fargo Active Cash Card card art
    Wells Fargo Active Cash Card
    Wells Fargo · Visa

    The Active Cash is Wells Fargo's flagship flat-rate card, and the pitch is a single number: unlimited 2% cash rewards on every purchase with no categories to track and no annual fee.

    $0 annual fee
    View card Compare
  • Bank of America Customized Cash Rewards credit card card art
    Bank of America Customized Cash Rewards credit card
    Bank of America · Visa

    The Customized Cash Rewards is Bank of America's flexible everyday cash back card, and its hook is choice: you pick the category that earns 3%, from gas, online shopping, dining, travel, drug stores, or home improvement, and can change it once a month.

    $0 annual fee
    View card Compare

Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.