Blue Cash Everyday® Card from American Express Review

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Our Detailed Review of This Card

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The Blue Cash Everyday® Card from American Express (a NextAdvisor advertiser) stands out from its competition because it offers high cash back percentages without rotating categories, an uncommon combination for cash back credit cards. The card earns 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then you’ll earn 1%), 2% cash back at U.S. gas stations and at select U.S. department stores, including Nordstrom, Macy’s and J.C. Penney, and 1% cash back on all other purchases (with no spending cap). As if that isn’t enough, you’ll also earn a $150 cash back bonus after you spend $1,000 on purchases in the first 3 months you have the card. Or, if you’re interested in a card that earns higher rewards rates — 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and 3% cash back on transit — and has a $250 intro bonus, check out its sister card, the Blue Cash Preferred┬« Card from American Express.

The Blue Cash Everyday® Card from American Express will particularly appeal to anyone who spends a decent amount at supermarkets and gas stations. The fact that you earn this cash back automatically is particularly convenient, as some other cash back cards require you to sign up each quarter to receive the higher cash back percentages.

If you’re carrying a balance on another high-APR card, you can move it over to the Blue Cash Everyday® Card from American Express and enjoy a 15-month 0% intro APR on balance transfers, which can save you a bunch of money (See rates and fees). Note that there is a 3% balance transfer fee (or $5, whichever is greater), but it could be worth it, especially if your current interest rate is particularly high. You can also utilize the 15-month 0% intro APR on purchases, and take advantage of paying no interest for over a year on any small or large purchases you make.

In addition, you’ll get great American Express perks like roadside assistance, car rental insurance and travel accident insurance. Plus, your purchases will be safeguarded by purchase protection, which covers theft and accidental damage to items bought with the card in the first 90 days; extended warranty, which extends the warranty on your purchases for up to an additional year; and return protection, which means if a merchant won’t accept your return within 90 days, American Express may provide you with a refund. You’ll also enjoy exclusive access to ticket presales and cardholder-only events.

The Blue Cash Everyday® Card from American Express is a terrific combination of cash back rewards and a 15-month 0% intro APR on balance transfers and purchases. Not to mention there is a $150 intro bonus and no annual fee. If you use a credit card frequently at supermarkets, gas stations and department stores, the Blue Cash Everyday® Card from American Express may be your best choice.

Rewards

  • Get a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months..
  • Earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • Earn 2% cash back at U.S. gas stations and at select U.S. department stores with no spending cap.
  • Earn 1% on all other eligible purchases, with no spending cap.

Redeem Rewards

  • Redeem reward dollars for statement credits whenever your total available reward dollar balance is $25 or more. Rewards can also be redeemed for gift cards, merchandise and travel.

Fees and APR

  • Annual Fee: $0.
  • Purchase APR: 0% on Purchases for 15 months, then 15.24%-26.24% Variable, based on creditworthiness.
  • Balance Transfer APR: 0% on Balance Transfers for 15 months, then 15.24%-26.24% Variable, based on creditworthiness.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
  • Late Payment Fee: Up to $38.
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • APR for Cash Advances: 27.49% Variable.
  • Penalty APR: 29.99% Variable.
  • Returned Payment Fee: Up to $38.
  • For full details, see rates and fees.
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