Blue Cash Everyday® Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Apply by 1/11/2017- Earn 10% cash back on purchases at in the first 6 months, up to $200.
  • Terms and Conditions apply.
  • Plus, earn $100 back after you spend $1,000 in purchases on your new card within the first 3 months.
  • You will receive cash back in the form of statement credits. 
  • Everyday Cash Back: 3% at U.S supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S gas stations; 1% on other purchases.  Terms and limitations apply.  
  • No rotating reward categories.  No enrollment required.  
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.  You can only earn cash back on eligible purchases. 
  • No annual fee.  Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.24% to 23.24%, based on your creditworthiness and other factors. 
  • Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Everyday® Card from American Express
Annual Fee:
Purchase Intro APR:
(12 months)
Purchase Regular APR:
13.24% - 23.24%*
Balance Transfer Intro APR:
(12 months)
Balance Transfer Regular APR:
13.24% - 23.24%*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.49%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $38


Sign-Up Bonus

Earn $100 after you spend $1,000 in 3 months.

All Purchases

1% cash back per dollar

No cap on spending


2% cash back per dollar

Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.


3% cash back per dollar

Everyday Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 2% at U.S. gas stations; 1% on other purchases. Terms and limitations apply.

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
by jaredalecia
Helpful to 1569 out of 1677

I was approved for this card four months ago with a KC score of 730, almost 2 years of history, $60k income, perfect payment history and pay off cards each month.  My initial credit line was $2,000, which is a bit low if you're trying to stay below 20% utilization, but I just used it for groceries and gas starting out.  AmEx has higher standards than most card issuers, and I was just glad to get approved with a short history.  I have two other cards with $5k limits and used those for most other purchases.  Last week, I called to request a credit limit increase (possible after 60 days of getting the card) and used the automated system to request a new CL of $6,000.  Five seconds later it was approved for triple my previous limit!  Hint: when requesting a CLI, shoot high but not too high.  If it's too low, you'll get approved but stuck with a lower limit than you could have got.  If you shoot too high, you're out of luck anyway.  I'm not expecting double or triple the next time around!  I'll be using this card much more often now that I have a decent CL.  My only complaint is that sometimes (especially with gas purchases), AmEx will put a large hold on your card until the purchase clears ($125 hold for a $55 gas purchase).  Not horrible, but kind of annoying. 

Another thing I like about this card is the social media deals. I've synced my card with Facebook and Twitter and have already gotten some of the great deals offered ($5 free at Redbox and $5 off of $10 spent at McD's!).  Hard to beat good deals like that by just being an AmEx user. 

Quick note: please don't review cards based solely on whether you were approved or not. Being denied doesn't necessarily make it a bad card, and being approved for a high CL doesn't necessarily make it a great card.  Use the card for a while and then leave an informed review. Thanks!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
AMEX and its former glory
by kulEX00
Helpful to 670 out of 754
It was back in 2011 when I decided that I needed an "elite" credit card with awesome perks and a high credit limit. My highest CL credit card at the time was a Capital One at $9k. After speaking to some friends in the world of banking and finance and reading a myriad of online reviews, my choices were narroed down to the AMEX Blue Csh Everyday, the Discover it (Discover sent me stuff in the mail weekly...), and the Chase Sapphire. My requirements were simple: no annual fee, rewards whether it be through points of airline miles, and a high credit limit. A little background info about myself in 2011: 28 years old, $76k income, no debt (car paid off, no house yet), 786 FICO, 7 years AAoA, no derogs or negative marks on credit report, 100% payment history, and 5 accounts.
I finally decided on the AMEX card because I already had a Chase Freedom, so I did not need another Chase card cannibalizing each other's points and AMEX was renown for customer service. I applied online and was instantly approved for $8k. Decent start, but I'm okay with it since everyone said you can request an increase 90 days later. My other terms were 14.99% APR (didn't care since I always pay in full at the end of every month) and $100 bonus after spending $1k within 3 months (easily completed). Cool, right?
Three weeks later, I receive a pre-approved offer from AMEX via snail mail for the same card, but with $150 bonus and 12.99% APR. I was hoping to call up AMEX to see if they can honor these terms since I had just applied for their card and was approved three weeks prior. Kind of a nice welcome gesture. Fifty bucks to them would be nothing compared to the merchant fees they would make from me charging all my purchases on the AMEX. Plus, this was around December, so you can imagine the charges I would rack up with Christmas shopping (I spent $4k that holiday season on gifts). I call them up. Denied... I wait a few more days... denied. I thought about cancelling the card at that point and going with Chase Sapphire, but a business trip and a death in the family distracted me, and I let it slide. Strike one for AMEX.
So, the previous incident happened around December. January 2012 rolls around, and I receive an email from AMEX offering me a year of Amazon Prime for free. Dude, who would not take that offer? I did not have Amazon Prime at the time, so I signed up. The terms were that I sign up, pay for Amazon Prime up front using my AMEX card, then AMEX would reimburse me in the form of credit to my statement. Done deal. Or so I thought... Four months roll by, and I check my credit statement. Nothing. I call up AMEX and state my issue. The rep pulled up my account and said that I did not have that offer on my account... I told her I applied for it through the email offer by clicking the link. She said if I did, then it would have flagged it in their system, but she did see that I paid for Amazon Prime using my AMEX. Mind you, I'm no idiot when it comes to computers as I work in software engineering. Luckily, I save most of my emails, so I offered to forward her both the offer email AND the confirmation from AMEX that I had redeemed the offer through their link. Nope, she wouldn't have it. She said she would have another department review it, then contact me with the results in 2 weeks. Fine. Three weeks roll by, nothing. I contact them back to inquire about the status of this review. They said there was no reivew or investigation and it was news to them... So, either the previous lied to me to get me off the phone, or AMEX folk are idiots. So, I restated my issue and offered to forward them the offer email and confirmation email. Nope... They said they would launch another investigation, but for reals this time... Wait three weeks... Nothing... I call them up. Guess what. They have no record of any investigation. I gave up. My time and sanity is worth more than the $90 they would have reimbursed me.
If you lasted this long through my review, then thank you, and I hope you take my experiences into consideration when/if applying for this card or any AMEX card. From what I have been reading in the news with the layoffs at AMEX, I am somewhat not surprised. AMEX won the JD Powers award for best customer service, but I have yet to see any of this famed customer service. To date, it really has been like every other credit card I have except for those random offers they have on their website (e.g. spend $50 at Lucille's and get $10 credit). Nothing AMEX has done has set them apart from Chase or Capital One in my experience. It is August 2015. Chase just sent me my new Freedom card with the chip n pin. Nothing from AMEX yet. They are waiting until the last minute I guess.
Maybe AMEX is scaling back since not a lot of merchants accept them, or because Costco dropped them. Whatever it is, I have not been feeling the love from AMEX. Maybe the rumors have just been hyped up?

Our Take

The Blue Cash Everyday® Card from American Express is a great card for getting cash back on everyday purchases.

What to Like

The Blue Cash Everyday® Card from American Express offers 3% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 2% at U.S. gas stations and select U.S. department stores and 1% cash back everywhere else. The card includes a 0% introductory APR for 12 months on purchases and balance transfers, as well as no annual fees. And to top it all off, if you apply by 1/11/2017 you can earn 10% cash back on purchases over the first 6 months (up to a $200 limit).

Look Out For

This card has a high penalty APR that applies for at least six months after a late payment, so it’s important to stay on-time with your payments.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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