Blue Cash Everyday® Card from American Express

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-800-297-6700
  • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 
  • 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 15.24% to 26.24%. 
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. 
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. 
  • No annual fee. 
  • Terms Apply.
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
15.24% - 26.24%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
15.24% - 26.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

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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 27.49%* 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.

Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandi

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
inoa05
Dont rely on your CK approval odds
by inoa05
Helpful to 2682 out of 2735

If you're considering applying for this card based on your approval odds from CK don't! AMEX checks your FICO score and doesn't pull from Transunion or Equifax, so to say the creditkarma approval odds are inaccurate is an understatement. I suggest checking your Experian score and most important, check if you have pre approved offers from AMEX before applying.

My review/experience so far..
 When I applied for the Blue Cash Everyday my FICO score was somewhere around 740s-750s. I was approved and decided to apply for the Everyday Card at the same time, I was approved as well and they only counted as one inquiry so that's great! I received my cards roughly a week later via FEDEX overnight, included was my Experian score and report.

A few things I like/dislike so far..

 I like AMEX gives high starting limits and a 3X CLI after 60 days of opening the account. I like they give its members access to their FICO 8 score. The rewards aren’t rotating categories but the cash dollars updates at the end of each statement and you can only redeem in increments of $25. I let it build up anyway so that doesn’t bother me.

 So far I’ve only had 1 merchant that did not accept AMEX and being a large purchase it was disappointing, I ended up paying with a MC instead. Customer service seems to be outsourced, some agents have a strong accent and can be hard to understand at times but they're very friendly, courteous and try hard to make it right and fix whatever issue you might have. It takes about 2 months to start reporting on creditkarma, then reports 1 month late but eventually reports on time. Creditkarma is great for what it is, a free service. I don’t rely on it 100% and have a premium subscription with a reputable company that gives all 3 bureau score/report that updates in real time and so much more. 

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
BusinessOwner41
Customer service was rude and wanted tax
by BusinessOwner41
Helpful to 54 out of 54

They want your federal tax returns. They did not require them before issuing the card and then after a month told me they needed them. I of course said no to that. Had I have known that they would have asked me for federal tax returns I would not have applied. Putting 4 years of federal tax returns out on the internet or even stored on their systems so they can be hacked later is just not a good idea. The value of the card is not worth the risk. No other card company has asked for my federal returns.  752 Fico score and don't need the hassle or risk. When I talked to them they said they had to have them or they might cancel me. I said to cancel my card I was not longer interested in it. Even though the card was paid in full they canceled the card and put it on my credit report that they had cancelled it when I had cancelled it.


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† 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 September 2018 through February 2019. 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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