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Blue Cash Everyday® Card from American Express

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4.5 out of 5 stars
446 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4.5 out of 5 stars

Customer Service

4.5 out of 5 stars

4.5 5

Card Details

  • Balance Transfer Intro APR 0%* for 12 months
  • Balance Transfer Regular APR 13.49% - 23.49%* Variable
  • Annual Fee $0
  • Purchase Intro APR 0%* for 12 months
  • Purchase Regular APR 13.49% - 23.49%* Variable

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. 

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.

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Most Helpful Positive Review

Sep 30, 2016
Approved for $15K in 60 seconds!
Toasty1221 Cardholder

I can't even believe what I'm typing but I'm still in shock. So my CK approval odds were 'Very Good'. But I still hesitated because I did not want to risk an inquiry as I plan to buy a car in the next few months. But the 'Very Good' odds were too tempting so I went on the Amex website and teetered for a few minutes then said, 'what the hell'. I applied and stared with a heavy heart at the screen as it circled around, waiting for their response. Alas, I was approved. When I saw the limit, I thought it said $1,500 but as I looked closer, it was $15,000! Couldn't believe it. 

A little background on me. My CK profile has my TU at 605 and my EQ at 590... yikes! My personal credit cards are: BOFA $1,500; CHASE Freedom $500; and Victoria's Secret $2,500. I should note that my husband got the AMEX Blue Cash Everyday back in 2014 and added me as an AU so on my AMEX profile, it lists me as a memebr since 2014, even though I got my card this month. Perhaps being on his account helped with my approval as he has never had a late payment. I am also an AU on his CHASE Freedom, Southwest VISA SIG, and CHASE Slate. My BOFA CC gives me a monhtly FICO and it lists it at 693 and when I recieved my AMEX card in the mail, they included a form that listed my FICO and the reason for the CL they gave me. AMEX checks Experian and listed my FICO at 680... which shows me just how off Credit Karma is with my actual credit scores. 

I have a total of 8 late payments on my credit report: one from VS in 2014, one from BOFA in 2015, and six from ACS in 15 which I'm trying to remove. I also have one Collection opened in 2014 from comast that I'm disputing. My average age of credit history is 5yrs 2mos. I have 22 total accounts (lots of student loans). 

So all in all, I don't know what AMEX truly looks for. I can't explain why I was approved for so much but am very grateful and happy. I truly hope this review helps, folks. All the best! 

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Most Helpful Negative Review

Dec 18, 2016
Trouble
brob757 Cardholder

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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These reviews were written by current and former cardholders in the last year.

Feb 19, 2017
Outstanding
Kmorris67 Cardholder

Best credit card I have ever had. Other card companies should take note of the initial offers and rewards program designed around the card. I highly recommend this card for all purchases. Excellent job Amex on a card that is well suited and used everyday by my family!

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Feb 18, 2017
Great card with superb Cashback
Rajeevy69 Cardholder

I didn't have long credit history but I applied based CK recommendation. My application got approved online within sec with 10k limit. I am finding a good card with Cashback & great customer service.

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Feb 17, 2017
Not what I thought
Tcamposmarotto Cardholder

I applied with very good chances and got approved with a 2K limit. My CK score was 678 and my actual score was 778. I was approved instantly. This just goes to show how off CK is from your real score. I've used it multiple times and literally there has been no cash back just yet. Of course, I've used it in places they say such as Macy's and nothing. I thought they'd be more cash back as it's a cash back card but not really. It's nothing as they advertise. 

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1 Reply
Feb 17, 2017

How long have you had the card? You have to wait until you receive your first statement before you see your cash back rewards.

 
Feb 17, 2017
Instant 10k approval
131Zack131 Cardholder

I don't write reviews often, but I wanted to give others hope that are young (i'm 22) and have a thin credit history. I also want to say some of these reviews on here had me second guessing myself as I thought some were fake. I've been thinking about applying for this credit card for about a year now. Last week I applied online and was instantly approved for $10k! (I don't make much either ~$40k/yr) The application process was really easy and fast. I was done within literally 5 minutes. 

Here is my history:

Credit karma lists my TU and Equifax score as 754. 1 hard inquiry with 4 total accounts and my average age of credit history is 2y 5m. Credit utilization is always under 10%. My first cc was a WF college opened in late 2013. My second was Barclay Rewards opened mid 2015, and now I have this blue cash card. This limit surprised me as my Barclay was my previous highest limit ($2,600). 

I also opened an auto loan in late 2014 and paid it off early late 2016. Right after that was paid off I opened another auto loan a month later. 

I hope this help help anyone thinking about applying for this card. 

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Feb 16, 2017
Awesome
Anonymous Cardholder

Easy and fast application procedure. Great customer service!

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Feb 16, 2017
Love
Mazdapaige Cardholder

My go to. Customer service very professional

CK said poor chances. Apply. Have had card for about 6 months

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Feb 15, 2017
Great customer service
Banryoku Cardholder

Fantastic customer service, as per usual with Amex

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Feb 15, 2017
good "stepping stone" card
Anonymous Cardholder

Applied to receive the Blue Cash Everday card before I apply for the Chase Sapphire Preferred card. TU / Equifax of 733 and Experian of 678. Have a Citi Diamond Preferred Card with CL of $1800. Chase Auto Lease of $10k. CK said I had a Very Good chance of getting this card and checked on American Express' website to see if that was the case - it showed that i was Pre-Approved. Applied online and was told to give them a call to confirm some information. I go by my middle name, so they just needed to confirm that it was me applying for the card. Called after 6pm and customer service was great. was approved for $5k "since this is my first American Express." make about $100k/year. 

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Feb 14, 2017
Blue Cash Everyday the my "gateway" card
nola2017 Cardholder

So about two weeks ago I took a chace on applying for a Blue Cash Everyday card and was approved much to my shock. It's been a long road to rebuilding my credit so it was exciting to be approved for an American Express, a card i've always held in high regard. I then logged into CK and saw that my approval odds were very good for a Delta Skymiles Gold card with AMEX.. so i took a chance and applied for that and was approved. I got home work the same day and came home to a mail in prescreened offer for the Amex Gold PR and decided since i'm on a roll why not? I applied via phone and kept the representative on the line for almost one hour with tons of questions. By the end of the call i was so pleased with how entusiastic and well versed the representative Christian was that I decided to pull the trigger. I was approved instantly 3 cards in 2 weeks with AMEX after years of not even being able to secure the worst cards like Credit One and First premier bank. at the time of application for all 3 my scores were as follows: TU 701 EX 700 EQ 692 ... no collections, no missed payments, WF Secure Platinum Card, and Capital One QuickSilver One. 

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Feb 13, 2017
Applied today with CK 688 and 647!
jtrackstar101 Cardholder

Don't be disocuraged. Started rebuilding with the last year and half. Most baddies are gone, but still a few old debts and still approved. CK said I had "Good" odds. 

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Sample Size: 5,500
Data Created: February 02, 2015

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Blue Cash Everyday® Card from American Express

446 Reviews
Cardholders' Choice i