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 14.24% to 25.24%.
  • 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:
14.24% - 25.24%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
14.24% - 25.24%*
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 26.49%* 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.

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 2359 out of 2485

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
angied14
No $150 bonus received-misleading!
by angied14
Helpful to 79 out of 84

I applied due to $150 sign up bonus & did spend well over the $1000 required within the 1st 3 months, however they never followed thru on their the incentive of $150 bonus! I called them twice & they say it was never offered to me, however it most certainly was, as that was the whole reason for me applying with them in 1st place. Not impressed at all with the 2 customer service reps I spoke to. I like the zero annual fee however I feel betrayed by them for going back on their whole incentive to pay out that $150. Feel tricked into applying with them for I could have spent the thousands of dollars with other companies instead! Make sure to document their $150 sign up bonus when applying or else I can guarantee you that they will not follow thru & reward you for spending your money with them! Not impressed one bit! Would not refer them to anyone!


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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 July 2017 through December 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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