Blue Cash Everyday® Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Everyday® Card from American Express
  • Terms Apply.
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
13.99% - 24.99%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
13.99% - 24.99%*
Variable

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 26.24%* Variable
Cash Advance Fee 3%, Min: $5
Late Fee Up to $38
Penalty APR 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 2.7%
Return Payment Fee Up to $38

Rewards

Welcome Bonus

Earn $150 after you spend $1,000 in the first 3 months.

All Purchases

1% cash back per dollar

No cap on spending

Gas

2% cash back per dollar

2% at U.S. gas stations; 1% on other purchases.

Groceries

3% cash back per dollar

3% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).


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
SharkieClarkie
Things To Consider Before Applying
by SharkieClarkie
Helpful to 1750 out of 1844

This is an update from my prior review back in March 2017. I hope this review would help those that are considering applying for the Amex BCE. Now while this is one of the hardest cards to get an approval, note that, once you get approved for it, it is packed with great rewards and bonuses that will save you more money in the long term. When I orignally gotten an approval for the card, my CK credit scores were at 662, but my FICO score at the tme of application was at 742. So for those thinking about applying, please remember to check the following first so you do not waste a hard inquiry.

- Length of credit history 6 mos and longer ( if any of you have a high credit score from CK but if the length of your credit history is less than 6 mos old. you would need to wait and age your account until your reach 6 mos. and more)

- AMEX likes thin files with no missed payments (during the time of application)

- No Baddies or deregatories on your file

- Is your FICO score specifically with Experian at least within 690's and over, since AMEX tends to pull the reports from them "MAJORITY" of the time. I say 690 is the absolute guarantee of an approval with the best sign up bonuses and interests. Anything less than that, then you are looking at a lower SL and no sign up bonuses. 

I hope this breakdown would help some of you, I am sharing this because I have went through it, applied, got denied, without realizing that I needed to age my accounts for 6 mos. and longer to have an actual FICO score, but I did not wait and I wasted an inquiry. I suggest using your approval odds as your motivation, but check for those factors before you apply to ensure success in getting an approval. My current FICO score from Experian is 721 and I am gardening to get that back up again to where I used to be or higher. But overall, my experience with American Express has been amazing. Their sign up bonuse of getting $100 back if you spend $1000 in the first quarter of your membership saved me a $100 on a new TV that I bought. I also get %10 cashback when I use it for dining at restaurants, and more cashback bonuses when being used wisely. I am very happy and content with the AMEX BCE and back in April they reconsidered by original application for the AMEX Green card and approved me for it as well. So if you applied and did not get an instant approval. Call the reconsideration line and you might get suprised. I hope this thread helps. 

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
brob757
Trouble
by brob757
Helpful to 4775 out of 5129

If you pay off your balance be careful as this credit card has trailing interest. I've never had to pay any such thing on any of my credit cards before. It seems sneaky to me. I paid off the entire balance on my card and they charged me $1.47 in interest on the next month's statement. They have sent me a statement every month regardless of whether I had a balance or not since I received this card so thinking my entire balance was paid, I did not pay any attention to them. I had no idea there was a $1.47 balance on my card. After 60 days, with no email, no phone calls etc, they cancelled my account. I received a notification through mail. So, I called AMEX customer service and was informed there was an unusually high cash volume so I could wait or call back tomorrow. I went through this three times on the way to work, the system hung up on me each time. Finally, later that day, I was able to talk to someone. Ask yourself, if you have an important question about your account, do you really want to have to wait half a day to be able to reach someone? Anyways, the lady on the phone was very nice. I explained to her that it was all a mistake, and I'd never missed a payment in 10 years of having the card and I thought it was silly to cancel a loyal customers account over a mistake that cost less than a gallon of gasoline. She went to work, and assured me that the charge was reversed, and, that my card was reinstated and also apologized for the confusion. She also reassured me that this was not going on my credit record and that I had no reason to worry. She told me I'd receive a letter in the mail letting me know whether a new card was being sent or the old one was simply reinstated. I was very happy with the result and figured that it must have just fallen through the cracks. I figured they made a mistake, and the fact that this lady was so sweet and helpful made up for that. Except, I was dead wrong. I received a letter in the mail alright, except it was a notice that I was declined for account reinstatement. That was lie number one. That sweet lady on the phone was a liar. She told me my account had been reinstated. Lie number two was that it did indeed go on my credit record. I checked and there it was "60-89 days late"... She reassured me more than once that it would not go against my credit record... Now let's get this straight. Over $1.47, or, the price you pay for things like milk, a candy bar, a soda, less than a gallon of gasoline, a bottle of windshield washer fluid, a spare key etc etc etc, not only did they Cancel my card that I'd held for 10 years, but they also screwed up my credit report... again, I've never missed a payment on any loan or card.... needles to say, I was less than happy... You would think if that $1.47 was so important to them that they would cancel my card and put a dent in my credit score, they could have sent an email or called, especially being that I have been a customer for some time now. I tried logging on to view my account to see if the $1.47 had been removed but of course, again, there were technical difficulties. So, I called. I spoke to another lady who looked into it and verified that indeed I had been lied to. She told me that it was stated during my last interaction that my account was reinstated and the charges were wiped clean of my account. The lady was as nice as she could be but unfortunately, being that I was lied to once while being nice, I decided to take a more stern approach this time. I let her know that I do not appreciate being lied to and I do not appreciate the fact that now, thanks to American express and a mistake involving pocket change, I may end up having a strain on my credit record for a long time and end up having to pay higher interest on a car loan or a personal loan etc. I vowed to tell as many people as possible so here I am warning you to stay way from American express. They threw away a good customer for 10 years over less than the price of a candy bar. I know other people they have screwed up with as well. Protect yourself, do not sign up for their cards...


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‡ 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 May 2017 through October 2017. 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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