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Blue Cash Everyday Card from American Express

The Blue Cash Everyday Card from American Express has no annual fee and earns cash back as Reward Dollars ⁠1⁠2. It pays 3% at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, each on up to $6,000 a year in purchases, and 1% elsewhere ⁠2⁠1.

Compiled from official sources Checked against American Express’s terms Last reviewed How we research
Contents11 sections

At a glance

Annual fee$0⁠1
Foreign transaction fee2.7% Of each transaction after conversion to US dollars⁠2
RewardsEarns 3% cash back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations (each on up to $6,000 per year in purchases, then 1%) and 1% on other eligible purchases, paid as Reward Dollars.
Rewards programAmerican Express Reward Dollars (cash back)
NetworkAmerican Express
IssuerAmerican Express · Official card page

What to know about the Blue Cash Everyday

Each 3% category has its own $6,000 yearly limit across the card account, after which purchases in that category earn 1% ⁠2⁠1. The online rate applies to website or app purchases from U.S. retailers selling physical goods; restaurants, travel, gas and services bought online do not count, and in-store mobile wallet payments are not online purchases ⁠2. Superstores, warehouse clubs and convenience stores are not treated as supermarkets ⁠2. Reward Dollars can be redeemed for statement credits or at Amazon.com checkout, with no minimum ⁠2.

The Disney Streaming Credit, which requires enrollment, pays up to $7 a month for subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com, but an annual subscription earns only one credit, in the month of purchase ⁠2. The Home Chef credit, also requiring enrollment, pays up to $15 a month on meal kit subscriptions bought at homechef.com/blue-cash-everyday ⁠2.

American Express's guides list car rental coverage of up to $50,000 per rental agreement, on a secondary basis, and purchase protection of up to $1,000 per covered purchase for 90 days against damage or theft ⁠4⁠6. Purchases made abroad carry a 2.7% foreign transaction fee ⁠2.

Earning rewards

How the Blue Cash Everyday earns cash back
RateOn
3% cash back U.S. supermarketsLimit: First $6,000 of eligible purchases across the Card Account in a calendar year, then 1%Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets⁠2
3% cash back U.S. online retail purchasesLimit: First $6,000 of purchases per year across the Card Account, then 1%Website or app purchase from a U.S. retail merchant selling physical goods; restaurants, supermarkets, gas, automotive dealers, travel, entertainment and services excluded; in-store wallet payments are not online purchases⁠2⁠1
3% cash back Gasoline at U.S. gas stationsLimit: First $6,000 of purchases per year across the Card Account, then 1%Superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations⁠2⁠1
1% cash back All other eligible purchases⁠2

Reward Dollars can be redeemed for statement credits or for eligible items at Amazon.com checkout, with no minimum redemption amount.⁠2

Travel insurance and assistance

Rental car coverageCar Rental Loss and Damage Insurance: up to $50,000 per rental agreement for damage to or theft of a rental vehicle, rentals up to 30 consecutive days; secondary coverage. Underwritten by AMEX Assurance Company.⁠4⁠3⁠2
Travel and emergency assistanceGlobal Assist Hotline: 24/7 coordination and assistance (lost passport, translation, missing luggage, emergency legal and medical referrals) when traveling more than 100 miles from home; services are free but Card Members are responsible for third-party costs.⁠2⁠7⁠9

Purchase and phone protection

Purchase protectionPurchase Protection: covers damage or theft of covered purchases for up to 90 days from purchase, up to $1,000 per covered purchase and $50,000 per eligible card per calendar year ($500 per covered event for natural disasters). Underwritten by AMEX Assurance Company.⁠6⁠5⁠2

Account features

Free credit scoreFICO Score and Experian credit report through American Express MyCredit Guide, free for Card Members.⁠8

Statement credits

Disney Streaming Credit$84 up to $7 per month. Enrollment required; monthly or annual subscription purchases (the product page says including a bundle subscription purchase) made online at U.S. websites DisneyPlus.com, Hulu.com or Stream.ESPN.com; an annual subscription qualifies for only one credit of up to $7, in the month of purchase; subscriptions bought through third-party devices or platforms or bundled with cable services are not eligible⁠2⁠1
Home Chef Credit$180 up to $15 per month. Enrollment required; Home Chef meal kit subscription purchased online at homechef.com/blue-cash-everyday⁠2

Other perks

Use cash back at Amazon.com checkoutReward Dollars can be used at Amazon.com checkout after linking the Card Account; same value as a statement credit⁠1

Not listed for this card

The American Express pages and benefit terms we checked for the Blue Cash Everyday do not list these benefits:

Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.

Sources

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