Blue Cash Everyday® Card from American Express review: Good for grocery shoppers and drivers on a budget

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In a Nutshell

The Blue Cash Everyday® Card from American Express offers a nice blend of cash back with a low intro APR for purchases and balance transfers — but mixing the two can be a recipe for disaster.

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This offer is no longer available on our site: Wells Fargo Propel American Express® Card

Pros Cons
Earn cash back for purchases at U.S. supermarkets, gas stations and select department stores Cash back limits and exclusions on bonus categories
No annual fee Amex isn’t as widely accepted as Mastercard and Visa
Average welcome bonus Limited redemption options
Low intro APR for purchases and balance transfers Charges a foreign transaction fee

 

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6 things to know about the Blue Cash Everyday® Card from American Express

1. Good cash back if you don’t spend much

If you’re on a budget and trying to cut back on spending, the Blue Cash Everyday® Card from American Express gives you a chance to earn cash back on your everyday purchases with no annual fee.

You’ll earn …

  • 3% cash back on up to $6,000 each year in purchases at U.S. supermarkets (after that, you’ll only get 1% back)
  • 2% cash back at U.S. gas stations and select U.S. department stores
  • 1% cash back on other purchases

On the other hand, if you spend more than $61 each week on groceries, you might be better off paying the $95 annual fee for the Blue Cash Preferred® Card from American Express, because it offers more cash back at U.S. supermarkets — a whopping 6% on up to $6,000 in purchases per year (then 1%).

Compare the two: Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express

2. No annual fee to weigh against your cash back

The Blue Cash Everyday® Card from American Express doesn’t charge an annual fee.

This gives the card a huge advantage over those that charge annual fees. While you might not earn as much cash back as you could with other cards, at least there’s no annual fee cutting into your earnings, and you don’t have to juggle your spending to figure out whether or not the card is worth it.

3. Limited redemption options

You’ll have to earn at least $25 in cash back rewards before you can redeem them for statement credits.

American Express may sometimes offer other redemption options (like gift cards or merchandise), but if you’re looking for more-flexible redemption, check out a cash back card like the Bank of America® Cash Rewards credit card instead.

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4. Average welcome bonus

The Blue Cash Everyday® Card from American Express offers a $150 welcome bonus that you receive as a statement credit after you spend $1,000 on purchases in the first 3 months from your account opening. 

This is better than nothing, but we’ve seen better welcome bonuses from cards that charge annual fees (and even a few that don’t).

5. Low intro APR offers could help you in a pinch

The Blue Cash Everyday® Card from American Express features an introductory 0% APR for the first 15 months on purchases, and for 15 months on any balance transfers requested within 60 days of account opening.

After the intro expires though, your APR spikes to a variable rate of 14.99% - 25.99% on both purchases and balance transfers.

You’ll also be charged a balance transfer fee of 3% (minimum $5) on any balance you transfer from another credit card to the Blue Cash Everyday® Card from American Express.

The Blue Cash Everyday® Card from American Express is by no means the best balance transfer card on the market. We’ve seen others with longer intro APR offers, as well as cards that waive the balance transfer fee for a certain period of time.

But what makes the Blue Cash Everyday® Card from American Express stand out is that it offers rewards, giving you an incentive to continue using the card after you pay off your balance.

But mixing a balance transfer credit card with a rewards program can be risky, because spending more money just to earn rewards can make it more difficult to get out of debt. That’s why we recommend you focus on getting out of debt first before you turn your attention to rewards.

Risks to watch out for with balance transfer offers

If you’re looking for a new balance transfer card, you might want to read our review of the best balance transfer credit card offers to help you decide which one is best for you.

6. Not a good option for international travel

The Blue Cash Everyday® Card from American Express charges a foreign transaction fee of 2.7%, and American Express cards may not be as widely accepted abroad as cards on the Visa or Mastercard networks.

So if you’re planning a big trip, one of our favorite travel credit cards with no annual fee might be a better bet. 

Who this card is good for

The Blue Cash Everyday® Card from American Express caters to people who are trying to save money by cooking at home and only driving every now and then.

If you’re on a budget, there’s no pressure to overspend to try to make up for an annual fee.

But if you go out to eat on a regular basis, you might be better off with another cash back credit card that rewards you for dining.

Not sure this card is right for you? Consider these alternatives.

If the Blue Cash Everyday® Card from American Express isn’t right for you, you might be interested in one of these other credit cards.