American Express Blue Cash Everyday®

American Express Blue Cash Everyday Rewards Review

• 3% Cash Back on Groceries: Earn 3% on eligible U.S. supermarket purchases, up to $6,000 annually, then 1%. Excludes superstores, convenience stores, and warehouse clubs.
• 3% Cash Back on Gas: Earn 3% on U.S. gas station purchases, up to $6,000 annually, then 1%. Excludes gas purchases at superstores, supermarkets, and warehouse clubs.
• 3% Cash Back on U.S. Online Retail: Earn 3% on eligible online purchases from U.S. merchants selling physical goods, up to $6,000 annually, then 1%. Purchases must be categorized as online by the merchant.
• 1% Cash Back on Everything Else: Enjoy 1% back on all other eligible purchases.
• Flexible Redemption Options: Redeem your Reward Dollars as statement credits or for eligible items at Amazon.com with no minimum redemption amount.
• Exclusions Apply: Certain purchases, including fees, cash equivalents, and third-party transactions, may not qualify for rewards.

0% intro APR for 15 months

• Purchases: 0% intro APR for 15 months; then 18.24%–29.24% (variable).
• Balance Transfers: 0% intro APR for 15 months (on transfers within 60 days); then 18.24%–29.24% (variable).
• Cash Advances: 29.49% (variable).

No Annual Membership Fee

Up to $250 Statement Credit Welcome Offer

• Earn up to $250 in statement credit by spending $2,000 or more on eligible purchases within your first 6 months of Card Membership.
• Credit will be applied 8–12 weeks after meeting the spending requirement.
• Eligible purchases exclude fees, interest, cash advances, balance transfers, gift cards, and other cash equivalents.
• Offer is valid only for the Basic Card Member and is non-transferable.

Additional Benefits of the Blue Cash Everyday® Card

1. Car Rental Loss and Damage Insurance
   • Secondary coverage for damage or theft of a rental vehicle when you use your Card to pay and decline the rental company’s collision damage waiver (CDW).
   • Excludes liability coverage and rentals in Australia, Italy, and New Zealand.
2. Global Assist® Hotline
   • Offers assistance with medical referrals, customs information, and more when traveling 100+ miles from home. Third-party service charges apply.
3. Cash Back at Amazon.com Checkout
   • Redeem cash back at Amazon.com checkout to cover purchases, equal in value to using it as a statement credit.
4. Events with Amex™
   • Access exclusive ticket presales, Amex Fan Experiences, and special offers for select sports, music, and theatre events.
5. ShopRunner Membership
   • Enjoy free 2-day shipping at 100+ online stores. Complimentary membership available with enrollment.
6. Balance Transfer Offer
   • Request a balance transfer within 60 days of account opening. Fees apply.
7. Plan It®
   • Split purchases of $100 or more into equal monthly payments with a fixed fee. Rewards still apply to purchases.
8. Purchase Protection
   • Coverage for accidental damage or theft of eligible purchases made with your Card for up to 90 days. Limits and exclusions apply.
9. Send & Split®
   • Send money via Venmo or PayPal without credit card fees and split purchases with others, earning rewards on your share.
10. Dispute Resolution
    • American Express will assist in resolving fraudulent or incorrect charges on your statement.
11. Year-End Summary
    • A detailed online summary of charges from the prior year, typically available in January.
12. Additional Cards
    • Add additional cards for family members or employees (13+ years old).
13. Disney Bundle Credit
    • $7 monthly statement credit for Disney+, Hulu, or ESPN+ subscriptions when spending $9.99 or more on eligible purchases.
14. Home Chef Credit
    • Up to $15 in monthly statement credits for Home Chef meal kit subscriptions, totaling $180 annually.

PROS and CONS

Apply with Confidence Now. No impact on credit score (!) before you accept your new card.

1. Submit Your Application
   • Provide the required information and review important terms and conditions.
2. Get an Instant Decision
   • Find out if you’re approved with no impact on your credit score.
3. Accept Your Card
   • Choose to accept the Card, knowing that this step may impact your credit score when reported to credit bureaus.