6 Reasons to Get Amex Blue Cash Every Day

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American Express has many great products, and I personally love using cards that earn Amex Membership Rewards points. The cashback card portfolio is a bit more limited, especially when it comes to personal cards.

6 reasons to get Blue Cash Everyday

In this article, I wanted to take a look at the Blue Cash Everyday® card from American Express and share six reasons why you might want to consider this card. In no particular order:

No annual fee

The Amex Blue Cash Everyday Card has no annual fee (Rates and Fees). Not the first year, nor the following years either. Many people try to minimize their credit card‘s annual fee, and for those purposes, this card could be lucrative.

$200 welcome bonus

The Amex Blue Cash Everyday card offers a welcome bonus where you will earn $200 statement credit after spending $2,000 in the first six months. That’s a solid bonus for a card with no annual fee, if you ask me.

Spend your welcome offer rewards any way you want

0% intro APR for 15 months

As part of its welcome offer, the Amex Blue Cash Everyday Card offers 0% introductory APR on purchases for 15 months from the date the account is opened. After that, there is a variable APR, currently between 14.74% and 24.74% (Rates and Fees).

It’s not for everyone, and on the contrary, I generally recommend avoiding financing purchases with credit cards. Then again, if a short-term 0% APR opportunity can help you and you can repay the amount before the interest rate increases, it is an option that is at least worth knowing about.

3% cash back at US supermarkets

The Amex Blue Cash Everyday card offers 3% cash back at US supermarkets (up to $6,000 per year in purchases, then 1%). Earning 3% cash back at supermarkets with no annual fee is solid, and it’s one of the best cards for supermarket and grocery store spending.

The card offers a great return on grocery spending

Save Money with the Amex Offers Program

The Amex Offers program can save you money at various retailers, simply by registering your American Express card and then making a qualifying purchase.

Different American Express cards are eligible for different offers, so in general I try to have as many Amex cards as possible to be able to take advantage of this program. Having cards with no annual fee is ideal since the card costs you nothing, but you will potentially save money.

Use cards with no annual fee to improve your credit score

Having cards with no annual fee for the long term is a great way to improve and stabilize your credit score:

  • 30% of your credit score is made up of your credit usage, and the more credit you have available but aren’t using, the better
  • 15% of your score is made up of your credit history, and the older the average age of your account, the better.

My strategy is to get multiple cards with no annual fee and keep them for the long term, as it can benefit your credit score.

2 reasons NOT to get Blue Cash Everyday

While there are several reasons to consider the Blue Cash Everyday card, there are also a few reasons not to get this card, or at least apply for it directly. In no particular order:

Get the Blue Cash Preferred card instead

If you generally like the idea of ​​the Blue Cash Everyday card, there might still be a better play here. The Blue Cash Preferred® card from American Express (test) is the premium version of the card, and it might be worth applying for instead:

  • The card offers a better welcome bonus, of a $300 credit after spending $3,000 in the first six months
  • The card has an introductory annual fee of $0 for the first year, then $95. (Rates and Fees), so you won’t pay anything the first year on either card on that front
  • The card has more robust bonus categories, as it offers 6% cash back at US supermarkets (up to $6,000 spend per year, then 1%), 6% cash back on select US streaming, 3% cash back on transit. , and 3% cash back at US gas stations
  • Even if you’re someone who prefers a card with no annual fee in the long term, it’s really worth getting this card instead – you can get it for a year, then if you’re not happy, you should be able to downshift it, giving you the best of both worlds

There are better cashback cards for everyday expenses

While there’s a lot to like about Blue Cash Everyday, it’s also not particularly well-rounded if you’re looking for an all-in-one cashback credit card.

In addition to 3% cash back at US supermarkets (up to $6,000 per year in purchases, then 1%), the card offers:

  • 2% Cash Back at US Gas Stations
  • 2% cash back at select department stores
  • 1% cash back on everything else

1% cash back isn’t very competitive these days for discerning consumers. For example, the Citi® Double Cash No Annual Fee Card (review) offers 1% cash back when you make a purchase and 1% cash back when you pay for that purchase (in the form of ThankYou points).

For your daily expenses, you will be ahead with this card compared to Blue Cash Everyday, unless you spend a lot in supermarkets and not a lot elsewhere. There are still a few perks to Blue Cash Everyday, like the $200 welcome offer, access to Amex offers, and more.

For some consumers, other cash back cards may be more lucrative

At the end of the line

If you’re looking for an American Express personal cash card with no annual fee, the Amex Blue Cash Everyday card lives up to its expectations. The card offers a solid win rate in US supermarkets and a nice welcome bonus, plus it gives you access to Amex offers.

The card isn’t for everyone, however, and for some it might make sense to consider the preferred Amex Blue Cash card instead.

If you would like to learn more about the Amex Blue Cash Everyday Card or would like to apply, follow this link.

The following links will direct you to the rates and charges for the American Express cards mentioned. These include: Blue Cash Everyday® card from American Express (Rates and Fees) and the Blue Cash Preferred® card from American Express (Rates and Fees).


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