Blue Cash Everyday® Card from American Express: No Annual Fee and Big Cash Back Rewards

The Blue Cash Everyday® Card from American Express offers significant rewards without the burden of an annual fee, making it a top choice for those who want to maximize their everyday spending. With up to 3% cash back on essential categories like groceries, online retail purchases, and gas, plus added perks like introductory APR and statement credits for subscriptions, this card delivers value to a wide range of cardholders.

Key Features

High-Earning Rewards Structure

• 3% Cash Back at U.S. supermarkets (up to $6,000 per year, then 1% thereafter).
• 3% Cash Back on U.S. online retail purchases (up to $6,000 per year, then 1% thereafter).
• 3% Cash Back on gas at U.S. gas stations (up to $6,000 per year, then 1% thereafter).
• 1% Cash Back on all other purchases.

Rewards are earned as Reward Dollars that can be redeemed as a statement credit, giving you flexibility in how you use your cashback.

Exclusive Benefits

Introductory APR

• Enjoy 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 18.49% to 29.49% applies.

Subscription Credits

• $84 Disney Bundle Credit: Get $7 back monthly after spending $9.99 or more on eligible Disney Bundle subscriptions.
• $180 Home Chef Credit: Receive up to $15 in statement credits monthly for Home Chef meal kit subscriptions.

Send & Split® with Venmo and PayPal

• Send money and split purchases directly in the American Express app, earning rewards on the full purchase amount.

ShopRunner Membership

• Complimentary ShopRunner membership for free 2-day shipping at over 100 online retailers.

Additional Perks

Travel and Shopping Protections

• Car Rental Loss and Damage Insurance: Secondary coverage for eligible rental vehicles.
• Purchase Protection: Covers eligible purchases against accidental damage and theft for up to 90 days.
• Dispute Resolution: Assistance with fraudulent or incorrect charges.

Plan It®

• Split purchases of $100 or more into monthly installments with a fixed fee. You’ll still earn rewards as you pay over time.

Year-End Summary

• Receive a detailed summary of your spending for easy budgeting and tax preparation.

Why Choose the Blue Cash Everyday® Card?

No Annual Fee

This card delivers premium rewards without the cost of an annual fee, making it accessible to budget-conscious cardholders.

Everyday Value

From groceries to gas, the 3% cash back categories cover essential spending, while the 1% cash back on other purchases ensures you earn rewards everywhere.

Introductory APR

The 15-month 0% intro APR on purchases and balance transfers is ideal for managing larger expenses or consolidating debt.

Who Should Get This Card?

The Blue Cash Everyday® Card is perfect for:

• Families: Earn maximum rewards on groceries, gas, and online shopping.
• Budget-Conscious Shoppers: Enjoy high cashback rewards with no annual fee.
• Online Shoppers: Benefit from 3% cash back on U.S. online retail purchases.

How It Compares

Blue Cash Everyday® Card vs. Blue Cash Preferred® Card

• The Blue Cash Preferred® Card offers higher cashback rates (6% on groceries and streaming), but it comes with a $95 annual fee (waived for the first year).
• The Blue Cash Everyday® Card is a better fit for those who want rewards without an annual fee.

Blue Cash Everyday® Card vs. Citi Double Cash® Card

• The Citi Double Cash® Card earns a flat 2% cashback on all purchases (1% when you buy, 1% when you pay) with no category limits.
• The Blue Cash Everyday® Card excels for those who spend heavily in specific categories like groceries and gas.

Final Thoughts

The Blue Cash Everyday® Card from American Express is a fantastic option for anyone looking to earn significant cashback rewards without paying an annual fee. Its generous welcome bonus, versatile 3% cash back categories, and added perks like subscription credits make it a strong contender in the no-fee rewards card market.

Apply today to start earning cashback on your everyday purchases!