Rewards Plan
Welcome Bonus
Credit Rating
Intro APR
Annual Fee
APR
- No Annual Fee
- Car Rental Coverage
- Spending Caps
- Not for Travelers
Rewards Plan
Welcome Bonus
Intro APR
PROS
- No Annual Fee
- Car Rental Coverage
CONS
- Spending Caps
- Not for Travelers
APR
18.49% - 29.49% Variable
Annual Fee
$0
Balance Transfer Fee
3% or $5, whichever is greater
Credit Requirements
Good – Excellent Credit
As the name suggests, the Blue Cash Everyday Card is a great everyday credit card. It has a tiered reward structure that allows you to earn cash back on practically any purchase, with rewards weighted towards groceries, gas, and online purchases.
The card also has no annual fee (See rates & fees) and a welcome bonus with modest spending requirements. This makes it an excellent choice for those who are not particularly high spenders, but who want to earn decent rewards.
The Blue Cash Everyday® Card from American Express is a good option if you’re carrying a credit card balance or planning a large purchase, as there is 0% APR for 15 months on purchases and balance transfers from the date of account opening (After that, 18.49% - 29.49% Variable variable APR). This will allow you to cover the cost or pay down the balance without paying any interest.
While the Blue Cash Everyday may not offer the high rewards of its sibling card the Blue Cash Preferred, you won’t need to pay an annual fee, making it a little more user friendly for those who are not confident that they will spend sufficient amounts to earn enough rewards to make the fee worthwhile.
- Cash Back Welcome Bonus
- Disney Bundle
- Car Rental Coverage
- Global Assist Helpline
- Cash Back Rewards
- Home Chef Credit
- Purchase Protection
- American Express Experiences
- High Credit Requirements
- Spending Caps
- Not Great for Travelers
- Balance Transfer Limitations
Can I add an authorized user?
Yes. You can add authorized users to your account and request additional cards. Your authorized users need to be aged 13 or older and have never had a default American Express account.
You can add authorized users to your account using the online dashboard or by calling the customer support line.
Can I get pre-approved on the Blue Cash Everyday card?
Although there is an option to check for pre approval offers on the main application form. The American Express website also has a separate login for those who are responding to mailers.
This will allow you to confirm if you qualify for pre approval without requiring a hard credit pull
Does American Express ask for proof of income?
In most cases, American Express will not ask for proof of income. However, in some circumstances, American Express may need to confirm your income level and whether you can meet your current and future financial obligations.
If this is necessary, you should receive an email with instructions of what is required, such as copies of pay stubs, and how you can submit them to support your application.
How's American Express digital experience?
Yes, American Express has an excellent app and a superb website that provide a great digital experience. Whether you want to manage your account on the go or have a query, the layout of both platforms is intuitive and clean, providing an excellent user experience.
Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more
In this Review..
Benefits
In addition to its rewards, the Blue Cash Everyday Card has a number of other benefits. These include (terms apply):
- Cash Back Welcome Bonus
American Express Blue Cash Everyday offers a welcome bonus of $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- Disney Bundle
The Blue Cash Everyday card offers $7 back each month if you spend $12.99 or more per month on an eligible Disney Bundle subscription using your card. This includes Hulu, Disney+ and ESPN+.
- Car Rental Coverage
If you use your Blue Cash Everyday card to reserve and pay for your rental car,. You’ll be covered for theft of or damage to a rental vehicle coverage. This is secondary coverage, but you can decline the potentially costly collision waiver damage at the rental cover counter with confidence.
- Global Assist Helpline
American Express cardholders can access a 24/7 Global Assist hotline. This can provide help with assistance and coordination services if you’re more than 100 miles from home. The helpline can even provide help to prepare for your trip with customs details and information and more.
- Cash Back Rewards
Cardholders are eligible for 3% Cash Back at U.S. supermarkets / U.S. online retail purchases/ U.S. gas stations on up to $6,000 per year in purchases, then 1%.
- Home Chef Credit
You can receive up to $15 in statement credit per month if you purchase Home Chef online using your enrolled card. Home Chef meal solutions aim to make cooking at home more enjoyable. This can be a great alternative to eating out, and you get the bonus of statement credit on your purchase.
- Purchase Protection
When you pay for covered purchases using your eligible card, you can enjoy purchase protection. This provides up to 90 days of accidental damage and theft coverage for your new items.
- American Express Experiences
This service provides exclusive access to card member only events and ticket presales. If you enjoy shows, tours, sporting events, family events and more, this is a great resource.
Drawbacks
Of course, as with any financial product, there are potential drawbacks to the Blue Cash Everyday. These include:
- High Credit Requirements
You will need a good to excellent credit rating to qualify for this card. Considering the rewards on offer, there are other cards with a similar credit requirement that could represent better reward potential.
- Spending Caps
The higher reward tiers and bonus reward categories do have some spending caps. So, this will limit the rewards you can earn per year.
- Not Great for Travelers
American Express has less acceptance internationally compared to Mastercard and Visa. Additionally, there is a 2.7% fee for international purchases
- Balance Transfer Limitations
You can only request balance transfers within 60 days of opening your account. Additionally, you can only make two balance transfer requests, but each request can include up to four accounts in your name. This means that you’ll need to think carefully before you initiate a balance transfer request.
Rewards Simulation: How Much You Can Earn?
The best way to see if Blue Cash Everyday is the right choice for your needs is to calculate the number of rewards and benefits you suppose to earn.
Remember that this is a general breakdown of expenses, so make sure to adjust it to your consumer preferences and spending habits.
| |
|---|---|
Spend Per Category | Blue Cash Everyday® Card from American Express |
$15,000 – U.S Supermarkets | $270 |
$5,000 – Restaurants
| $50 |
$2,000 – Airline | $20 |
$2,000 – Hotels | $20 |
$4,000 – Gas | $40 |
Estimated Annual Value | $400 |
How to Maximize Your Blue Cash Everyday Card?
Since this card is designed for everyday purchases, you shouldn’t need to radically change your spending habits to maximize your card benefits.
However, there are few simple things that you can do to make the most of your card. These include:
- Sign Up for a Disney Bundle: You’ll get statement credit to offset the cost of your subscription when you pay for it with your card. So, if you’re not already subscribed, sign up, but if you are, make sure you change your payment method to your new Blue Cash Everyday card.
- Sign Up for Home Chef Credit: Likewise, if you’re considering a meal kit subscription, you’ll get statement credit with Home Chef.
- Watch for the Spending Caps: While the Blue Cash Everyday card does offer generous rewards for gas, groceries and online purchases, these categories all have a spending cap. After you exceed this cap, your rewards will drop back to the standard 1%. So, monitor your spending in these categories and if you’re close to reaching the spending cap, consider using another more generous card to continue getting great rewards.
- Book Car Rentals with Your Card: This is a fairly standard option with many credit cards, but having additional coverage is a nice perk that will kick in if you reserve and pay for your rental cars with your card.
Customer Service
American Express has a decent reputation for offering strong customer service. You can speak to a member of the customer support team 24/7 both via the phone helpline or online.
American Express also has a highly rated app that is suitable for both Android and iOS devices on Google Play and the Apple Store respectively. This allows you to not only manage your account on the go, but also address any queries or support issues on your phone.
You can also use the online portal to access your account and the support team. The Amex website has an intuitive layout and clean design that offers a great user experience. In addition to comprehensive product pages, there is an in depth help section with support materials including how to videos.
How to Apply for a Blue Cash Everyday Card?
American Express makes it easy to apply for any of its cards online. Here are the steps you should take in order to apply:
- Once you find the Blue Cash Everyday product page, you should immediately notice the blue “Apply Now” button.
- After you click the button, you’ll be directed to the application form and informed that you will receive an approval decision in as little as 30 seconds.
- As with most credit card applications, you’ll need to provide basic details, such as your full name, email address, date of birth, and income. There is also the option not to provide a Social Security number if you are from outside the U.S in selected countries.
- Before you submit the application form, you’ll need to confirm that you are willing to receive a one off SMS to download the app. This is an optional requirement, but it does save you needing to go to Google Play or the Apple Store to try to find the app.
- Once you click Continue, you’ll be taken to a Terms and Conditions page that you’ll need to read through and accept to complete the application submission.
- American Express should provide you with a quick approval decision, but in some cases, there may be a short delay when you will need to wait for an email.
Compare The Alternatives
There are other credit cards that do offer comparable cash back rewards – we’ve summarized the most popular cards which can use as an alternative to the Blue Cash Everyday card:
|
|
| |
|---|---|---|---|
Chase Freedom Flex℠ Card | Capital One Venture Rewards Credit Card | American Express EveryDay® Card | |
Annual Fee | $0
| $95
| $0
|
Rewards |
1-5%
5% cash back on up to $1,500 in combined purchases on selected categories each quarter and 5% cash back on travel purchased through Chase Ultimate Rewards®. Also, you can earn 3% cash back on dining at restaurants (including takeout and eligible delivery services), drugstore purchases , and 1% on all other purchases
|
2X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
|
1X – 2X
2X at U.S. supermarkets (up to $6,000 each year), then 1x on all purchases
|
Welcome bonus |
$200
$200 bonus after you spend $500 on purchases in the first 3 months from account opening
|
75,000 miles
75,000 miles once they spend $4,000 on purchases within 3 months from account opening
|
10,000 points
10,000 points after you spend $1,000 in purchases on your new card within the first 3 months
|
Foreign Transaction Fee | 3%
| None
| 2.7%
|
Purchase APR | 19.49% – 28.24% variable
| 20.24% – 28.24% (Variable)
| 17.49% – 28.49% variable
|
FAQ
What are the Blue Cash Everyday card income requirements?
American Express doesn’t have specific income requirements for the Blue Cash Everyday card.
Instead, there is a greater focus on your credit score. You will need a good to excellent credit score to qualify for this card. This will consider your income level, current debt obligations and other factors.
What is the initial credit limit of Blue Cash Everyday card?
American Express doesn’t officially state a minimum initial credit limit, but according to reviews and customer information, you should expect a credit limit of at least $500.
American Express will automatically increase your credit limit if you have shown responsible use. However, after at least 60 days, you can request a higher credit limit.
How’s the Blue Cash Everyday card’s customer service availability?
Excellent. You can access the customer support team 24/7 both online and via the helpline. There is also a comprehensive help section on the website if you have a more general query or question
What are the top Reasons NOT to get the Blue Cash Everyday card?
This card is designed to be an everyday card. So, if you’re a regular traveler and want a lot of travel related perks, this is not the right card for you.
How long does it take to get approved on the Blue Cash Everyday card?
It is possible to receive an approval decision in as little as 30 seconds when you apply online. In most cases, you should have a decision in a matter of minutes. However, there may be some applications that require more time for processing, so you may need to wait a day or two.
