Get Cash Back for Everyday Purchases with the Blue Cash Everyday Card from American Express

By Christina Majaski. Last updated 21 September 2017. 2 comments

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Many rewards programs focus on travel benefits and other perks that do not include everyday type purchases. The Blue Cash Everyday® Card from American Express is one of the rare credit cards that awards general day to day purchases, which can add up and become quite valuable. (See also: Best Credit Cards for Everyday Purchases)

Why We Like This Card

  • $150 cash back bonus offer
  • Up to 3% cash back on everyday purchases

How This Card Works

You can earn 3% cash back on purchases made at U.S. supermarkets (up to $6,000 per year in purchases, then 1% cash back applies), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back for all other purchases made with the card. Superstores and wholesale clubs do not qualify for the bonus cash back in any of the categories and generally fall into the "other" category at 1%. 

(See also: Best Credit Cards that Offer Bonus Cash at Sign-Up)

Bonus offer: Earn $150 back after spending $1,000 in purchases within your first 3 months. 

Other Benefits

Intro APR: Get 0% APR on purchases and balance transfers for 15 months. After the intro period, a variable APR of 13.99% - 24.99% applies.

Return Protection: If a merchant refuses to accept a return within 90 days, American Express may refund the full purchase price (up to $300 per item, $1,000 maximum per year).

Extended Warranty: Get up to one extra year added to the original manufacturer's warranty, if it is 5 years or less. 

Purchase Protection: Protect your purchases against accidental damage and theft for up to 90 days. 

Car Rental Loss and Damage Insurance: Use your AMEX card to pay for your rental and be covered if the car is damaged or stolen. 

Terms apply.

Considerations

Cap on U.S. supermarket purchases. There is a cap on the 3% earned from U.S. supermarket purchases of $6,000 per year. After that, you only earn 1% for these purchases. This may not be a huge problem if your grocery bill is under approximately $500 per month because you still earn as much as $180 per year for those purchases. (See also: Best Credit Cards for Groceries)

Not for foreign purchases. The foreign transaction fee of 2.7% makes this card not ideal for foreign purchases. Furthermore, the bonus cash back categories of 2% and 3% only apply to retailers in the U.S. and would not earn the cash back rewards if you travel abroad frequently. (See also: Best Cards with No Foreign Fees)

Who This Card Is Best For

The Blue Cash Everyday Card is best for those whose everyday purchases in groceries, gas, and department stores make up a significant portion of their monthly budget. 

Click here to learn more and apply for the Blue Cash Everyday® Card from American Express today!


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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Guest's picture
Mitchell

Something is misleading about the Blue Card. You must spend $2500 a month on groceries for it to be worth the $75 fee. You can already get 3% on groceries without spending the $75 fee using the Everyday card. Therefore, you only get 3% more by paying the $75 fee. Comparing the two cards without taking into account that you are already getting 3% without paying an annual fee misleads people.

Lynn Truong's picture

Mitchell,

The free card was indeed taken into consideration for coming up with the $2500 (per year) figure.

If you spend $2500 per year in groceries, with the free card, you'd get $75 back (3%).
With the Preferred card, you'd get $150 back (6%). That's $75 more than the free card (and the cost of the annual fee).

That's the breakeven, where you'd make the exact same amount with either card. Once you go over that threshold, you'd be better off with the Preferred.

For example, if you spend $3000 per year, with the no-fee card, you'd get $90. With Preferred, you'd get $180 - $75 annual fee = $105.