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Blue Cash Everyday® Card

Blue Cash Everyday - A Well Rounded Cash Back Card

The Blue Cash Everyday card offers an interesting mix of perks. A competitive welcome offer, access to lucrative Amex offers, respectable intro APR periods, and compelling cash back rewards categories make this card a quadruple threat of sorts. With all that being said, this card still failed to take home a best designation in any single category. So what's it missing?

Counting Your Pennies - How To Earn Cash Back with the Blue Cash Everyday

The basics of a good cash back card are here, but the cash back earning alone isn't enough to make this card a great card. You'll earn 3% cash back at U.S. grocery stores, up-to $6,000 in purchases annually. You'll also have access to two 2% categories with no earning cap - U.S. gas stations and eligible U.S. department stores. All other purchases earn 1% cash back.

This earning structure doesn't really do it for us. 3% on groceries is nice, but once your spending is all grouped together, you are likely better served by a card that earns 2% cash back, like the Double Cash. If you're spending more than $100 a week in groceries then you should take a look at the Blue Cash Preferred, which earns up-to 6% cash back, but comes with an annual fee.

As far as redeeming rewards goes, you'll need to accrue $25 in rewards before you are able to cash out. We generally don't like this restriction, but it's a common feature across cash back cards.

Blue Cash Everyday Benefits and Bonuses 

Do you need more than cash back on everything? You greedy person you. (But we don't blame you).

  • You'll earn $150 back after making $1,000 in purchases in the first 3 months of account opening
  • Enjoy 0% intro APR on purchases and qualifying balance transfers for 15 months. Your variable APR after that will be 15.24% to 26.24%.
  • Balance transfers will cost you 3% of the transfer amount, or put another way, $30 for every $1,000 transferred.
  • 2.7% foreign transaction fee, to which we say don't build that wall, Amex!
  • Access to Amex offers, an easy way to accelerate your cash back earning potential. Just add eligible offers to your card via the mobile app or desktop interface before you swipe. Awards generally hit your account instantly.
  • Complimentary access to Shoprunner, a platform that offers free 2 day shipping at over 100 retailers. Spoiler alert, it's more or less useless thanks to the participating retailers.

Who is the Blue Cash Best for?

If you're new to the rewards game, Blue Cash isn't a terrible choice. 3% cash back on groceries isn't terrible, but we feel like the average person is going to do better with a 2% cash back card. An extra 1% on such a limited use case just doesn't jive with us.

We do like this card for its flexibility though. If you need that 0% rate, this card will serve you well enough as a generalist. 

Who Should Not Apply for the Blue Cash?

If you have a more traditional spending pattern, you can find some better rewards rates with the 2% Double Cash or the 4% on dining Uber card. If you're a power spender on groceries and gas, opt for the annual fee Blue Cash Preferred. 

Other Considerations: Amex's Acceptance Tate?

It's 2019, and Amex has been adding merchants to its network to help get over this perception. They were recently on track to become the world's second largest card processor. While their acceptance rate problem is lower than Visa or Mastercard, it probably won't be an annoyance for you if you're getting a second credit card. With that being said, if you are looking for your first credit card, we might not tap an Amex - it would give us swipe anxiety. 

Common Cents

The American Express Blue Cash Everyday is a fine card, and is best suited as a credit generalist. We can't say it's the best in any one category, but if you don't know what you need or if you need a variety of card features right off of the bat, the Blue Cash might just check the boxes you need it to.  

Blue Cash Everyday Credit Card Highlights

  • No annual fee.
  • 3% cash back at U.S. supermarkets 
  • 2% cash back at U.S. gas stations and at select U.S. department stores
  • 1% back on other purchases.
  • Intro APR on purchases and balance transfers

Similar Reviews

Citi® Double Cash Card

  • $0 Annual Fee
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Low Introductory APRs for 18 months on balance transfers
  • No bonus for new customers. :( 

Blue Cash Preferred® Card

  • $95 Annual Fee
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) and on select US streaming services.
  • 3% cash back at U.S. gas stations and eligible transit expenses, 1% back on other purchases.

Uber Credit Card

  • 4% Cash Back on Dining
  • 3% Cash Back on Hotel and Airfare
  • 2% Cash Back on Online Purchases (Including Uber)
  • 1% Cash Back on everything else
  • No Annual Fee