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Blue Cash Everyday® Card from American Express

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4.4 out of 5 stars
409 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 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.

Jan 20, 2017
Great card I love it
boogcortez27 Cardholder

I applied for this card online one month ago my credit score is 750 and got instantly approved for $8k I was surprised that's the most money I have in one card second is my Chase Freedom credit card at $5,800 well this blue card is awesome Credit karma is freakin awesome also I was at very good approval for this card thank you CK btw American Express customer service is incredible

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Jan 20, 2017
Great
Cubano44 Cardholder

I applied online, they gave me a $10,000 credit limit. 

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Jan 19, 2017
svone Cardholder

Easy approval high limit good rewards 30k limit ck scores 798-805

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Jan 19, 2017
Superb Service
Jausen3200 Cardholder

I'm 27, and I applied for this card, and, within seconds, I was approved for $35k. I have several European AMEX business cards (one Centurion), and I can't say enough about AMEX. Although, I had to submit documents of my home address, which isn't listed on my credit report, and I submitted authenticated bank statements from several banks , and they still wanted proof of income, which I don't have in the US, so they accepted trust fund papers. A manager called me within 30 minutes, after I was approved, to help with the process.

TU 847 EQ 839 EX 844

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Jan 18, 2017
Best daily use card!!
koichikita Cardholder

I love this credit card! I frequently go to grocery stores to buy my lunches and then once more in the evening to buy things for dinner. The points accumulate so quickly, that I've started to redeem rewards almost every month! The 1% on everything else is pretty good too, and has made this my go to card. My card was once compromised, and when I called customer service, the agent I spoke to was so helpful in helping to resolve the issue; I had a new card a few days later and the weird charges were no longer there!

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Jan 18, 2017
Awesome
Anonymous Cardholder

I applied for this card as someone who just started building their credit less than 6 months ago and was approved. I currently have the Discover IT secured card and AMEX approved me for this card with a higher credit limit and it's UNSECURED. Overall application experience was very good, I applied online for it and was given a 1800 number to call (Fraud Department) to verify that I had actually applied for this card which I was perfectly fine about (They are protecting me so why be upset?) and after AMEX called my bank to confirm my identity 35 minutes later I was approved for this card which they overnighted to me with UPS. Very happy with the beneifts of this card. I know you recieve cash back to be applied only as statment credit, But that is what I was planning on using it for anyway. Glad to be part of the AMEX family.

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Jan 18, 2017
Surprises
Anonymous Cardholder

Approved for 1k with 645 experience score 

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Jan 18, 2017
One of the best no-annual fee cards
Phoenix2209 Cardholder

Generous with CL increases. I started with $4,000L and now have $24,000. Great service and online account access. Knowing that you have to match the right rewards card with the right person, sometimes I find myself using this card in situations where it may not get me the best rewards, but the excellent customer service will come in handy (ex. fraudulent transaction disputes, roadside assistance, excellent purchase protection. It takes a while for points to post but, I have noticed that I get grocery points at places like Whole Foods, Trader Joe's, and even My Fit Foods. They constantly have offers you can add to your card from the accompanying app and of course, online.  Currently, they are giving a free ShopRunner account where you can get free 2-day shipping at over 100+ online stores.-Great Card

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Jan 17, 2017
Great Card
johnjacob720 Cardholder

I have the American Express Blue cash Everyday card great card. You well get points very fast and great customer service 5 stars 

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Jan 15, 2017
So far so good
Anonymous Cardholder

Credit Karma had me at 653 Tr and 648 Equ with very good odds when I applied for the card and my Ex was at 648 at the time. I was apprehensive considering the number of denials I read about despite the CK odds. But I finally applied and got the request to call the 800 number. Because I use 2 addresses they wanted to verify information before submitting the application. The whole process took about 2 minutes including hold time and he notified me that I was approved and for how much. The customer service rep was very friendly and answered my many questions after the approval. I'm going to do a balance transfer for the 12 month 0% APR promo and hope that goes well also.

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

Note: Sample data consists of Credit Karma members who hold this card.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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.

Blue Cash Everyday® Card from American Express

409 Reviews
Cardholders' Choice i