Blue Cash Everyday® Card from American Express review: Good for grocery shoppers and drivers on a budget
Editors’ Take: The Blue Cash Everyday® Card from American Express is a solid option for earning cash back on purchases at U.S. grocery stores, U.S. gas stations and U.S. online retail purchases—all with no annual fee.
Image: hands-thumbs-upGreat for cash back for families
Image: cashAnnual fee: $0
The average credit score for members who have matched with this card or similar cards is 695
The average credit limit for members who have matched with this card or similar cards is $7,712
Explore more about this card:
Here’s the average credit limit of members who matched their Blue Cash Everyday® Card from American Express or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $7,712, with $1,000 being the most common.
Here’s the average credit score of members who matched their Blue Cash Everyday® Card from American Express or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 695, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Member stats
Updated daily
31.2%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
44 years
Average age of members who matched this card or similar cards.
$95,781
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Pros and cons
Image: yesStrong cash back rates for groceries, gas and online retail purchases
Image: yesGood intro APR on purchases and balance transfers
Image: yesNo annual fee
Image: ConCash back limits and exclusions on bonus categories
Image: ConLimited redemption options
Image: Con2.7% foreign transaction fee
Blue Cash Everyday® Card from American Express review
Updated September 10, 2025
This date may not reflect recent changes in individual terms.
Written by: Tim Devaney
Is the Blue Cash Everyday® Card from American Express worth it?
If you’re looking for a straightforward way to earn cash back on everyday spending without paying an annual fee, the Blue Cash Everyday® Card from American Express could be a good fit — especially if you frequently spend on groceries and gas.
You’ll earn 3% cash back on U.S. supermarket and U.S. gas station purchases, with an annual cap of $6,000 in purchases for each category. Additionally, you’ll earn 3% cash back on U.S. online retail purchases, on up to $6,000 spent per year. After hitting the spending cap in each category, you’ll earn 1% — plus, you’ll earn 1% on all other purchases.
If you spend a lot on groceries, gas and online purchases, the benefits of this card are clear. But the spending caps could limit the upside of this $0 annual fee card.
Blue Cash Everyday® Card from American Express at a glance
- Annual fee: $0
- Welcome bonus: $200 statement credit after you spend $2,000 on purchases in the first 6 months from account opening
- Standout benefit: Good cash back on everyday categories
- Standout rewards rate: 3% cash back on up to $6,000 per category each year in purchases at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (after that, you’ll get 1% back)
- Baseline rewards rate: 1% cash back on other purchases
Blue Cash Everyday® Card from American Express best perks and features
High cash back rates for specific categories
With the Blue Cash Everyday® Card from American Express, you can earn boosted cash back on useful purchases with no annual fee.
You’ll earn 3% cash back on up to $6,000 spent per category each year in purchases at …
- U.S. supermarkets
- U.S. gas stations
- U.S. online retailers
After hitting the spending cap in each category, you’ll earn 1% cash back. All other purchases also earn 1% cash back.
Good intro APR offers
The Blue Cash Everyday® Card from American Express has an introductory 0% APR on purchases and balance transfers for 15 months after account opening. After the intro period expires, your APR on purchases changes to a variable rate of 20.24% - 29.24%. Note that there’s a balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
To take advantage of the intro APR for balance transfers, you’ll need to request your transfer within 60 days of account opening.
If you have a large purchase to make and want to spread out your payments, it’s worth considering this card — especially if the cash back categories are ones you’ll continually use going forward.
No annual fee to weigh against your cash back
The Blue Cash Everyday® Card from American Express charges a $0 annual fee. While you might not earn as much cash back as you could with some annual fee cards, there’s no annual fee cutting into your earnings.
What are the drawbacks of the Blue Cash Everyday® Card from American Express?
Cash back limits and exclusions on bonus categories
You’ll earn 3% cash back on up to $6,000 per category each year in purchases at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases. After that, you’ll get 1% back.
If you routinely spend more than that in these categories, it might be worth considering a card that offers more durable value.
And keep in mind that U.S. supermarkets don’t include warehouse clubs or superstores like Target or Walmart, so if you make most of your grocery purchases at those establishments, the high cash back rate won’t help you.
Limited redemption options
The cash back you earn with the Blue Cash Everyday® Card from American Express comes in the form of Reward Dollars. You can redeem these as a statement credit or use them directly during checkout at Amazon.com.
Charges a foreign transaction fee
The Blue Cash Everyday® Card from American Express charges a foreign transaction fee of 2.7% (including online purchases from foreign merchants). If you’re planning an overseas trip or travel often, a travel credit card with no foreign transaction fee might be a better fit.
How to redeem rewards for the Blue Cash Everyday® Card from American Express
You receive cash back in the form of Reward Dollars, which you can redeem for a statement credit or at checkout with Amazon.
Other cards to consider
- Blue Cash Preferred® Card from American Express: This card offers higher cash back for groceries, but has an annual fee.
- Capital One Savor Cash Rewards Credit Card: If you want to earn cash back for dining at restaurants, this card is worth checking out.
- Wells Fargo Active Cash® Card: This card is a good choice if you prefer solid flat-rate cash back rewards on all your purchases without worrying about categories.
Credit Karma’s methodology
At Credit Karma, our goal is to help you understand a card’s most important features — and where it may fall short compared to other options — so you can make an informed decision.
When we evaluate cash back cards, we consider the following factors:
- Welcome bonus
- Cash back rates in bonus categories
- Usefulness of bonus categories
- Spending caps on bonus categories
- Baseline cash back rate
- Rewards redemption options
- Rewards redemption restrictions
- Cash back expiration
- Annual fee
- Interest rates
- Unique benefits and perks
Looking at these aspects of the card helps us determine whether we’d recommend it to our members.
FAQs about the Blue Cash Everyday® Card from American Express
The main differences between the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express are the annual fee and cash back rates in certain categories.
The Blue Cash Everyday® Card from American Express has a $0 annual fee and offers 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (up to $6,000 per category per year, then 1%) and 1% on other purchases.
The Blue Cash Preferred® Card from American Express charges a $0 intro annual fee for the first year, then $95. But this card comes with a higher cash back rate at U.S. supermarkets of 6% (on up to $6,000 per year, then 1%). It also offers 6% cash back on select U.S. streaming subscriptions, 3% on transit and U.S. gas stations, and 1% on other purchases.
With the Blue Cash Everyday® Card from American Express, you’ll receive up to $7 back each month as a statement credit when you use your card to purchase an eligible subscription to the Disney Bundle (enrollment required).
To qualify for the Blue Cash Everyday® Card from American Express, you’ll likely need good credit. Most of our members who report having the Blue Cash Everyday® Card from American Express or similar cards have good or excellent credit scores.
Your credit limit will vary depending on your specific financial circumstances.
Credit Karma members who have the Blue Cash Everyday® Card from American Express or similar cards have a range of credit limits, with up to $3,000 being the most common and between $5,000 and $10,000 being the next most common range.
Member reviews
Most helpful positive review
May 9, 2024
Approval Odds and Credit Limits
— Credit Karma Member
My odds were "Very Good" with FICO 8 scores of 714 TU, 710 EXP and 722 FAX. Note that this site quotes Vantage 3 score, not FICO 8, Vantage is usually much higher. The lenders use FICO, not Vantage. I received a $10,000 limit with a relatively low income, I am retired. But I have over 20 credit cards and carry a ZERO Balance. People stating they received a very low limit, $1000 - $2000 probably are carrying credit card debt. Approval is mostly score driven. Credit limit is income and debt driven. This card has strong cashback, one of the best and an AMEX without a bone crushing annual fee? Sign me up! I hope that helps your approval questions.
Most helpful negative review
November 30, 2023
Don't apply
— Credit Karma Member
I have 710+ credit and make 110k a year and currently have 30% utilization total on 43k credit availability from credit cards I have now all over 8k in limits. Well they approved me, but for $1,000. It's a joke. You'll take the credit hit and get no benefit from it. This is shameful.