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The Blue Cash Everyday® Card from American Express is a great option for those who want to earn cash rewards on everyday items instead of points and miles (though you can check out our favorite credit cards with travel miles if you want to view your options). The Blue Cash Everyday® Card from American Express comes with the ability to earn 3% cash back on U.S. supermarket purchases up to $6,000 per year (you’ll earn 1% after hitting the $6,000 spend). You can also earn:
- 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%)
- Plus, 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%)
- 1% cash back on general purchases
- $7/month back in the form of a statement credit after they spend $9.99 or more each month on an eligible subscription to The Disney Bundle (which includes Disney+, Hulu, and ESPN+; subject to auto-renewal)
- $0 annual fee
The Blue Cash Everyday® Card from American Express welcome bonus is the ability to earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months. See application info: Blue Cash Everyday® Card from American Express
The cash-back rewards categories are excellent because they cover several household buys. For that reason, we think this card is good for many people.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Blue Cash Everyday Card From American Express
The Blue Cash Everyday® Card from American Express is one of the best cash back card options available. The cash back that you receive from these purchases is given back to you in the form of Reward Dollars that can be redeemed as a statement credit. So while you’re not given hard cash, you can use your Rewards Dollars or statement credits to help offset other purchases. It can be a win-win.
This no-annual-fee card (See Rates & Fees) comes with a myriad of Amex member benefits. But we’ll get into all of these benefits later on.
$200 Welcome Bonus for Blue Cash Everyday Card
The Blue Cash Everyday® Card from American Express welcome bonus is the ability to earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months.
Streaming Service Credit
Cardholders can get $7/month back in the form of a statement credit after they spend $9.99 or more each month on an eligible subscription to The Disney Bundle (which includes Disney+, Hulu, and ESPN+; subject to auto-renewal) with the Blue Cash Everyday® Card. Enrollment required.
The Basics: Blue Cash Everyday® Card from American Express Review
Card provider: American Express
Cash back system:
- 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%)
- Plus, 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%)
- 1% cash back on general purchases
How the cash back system works
The main feature of the American Express Blue Cash Everyday rewards card is that depending on how much you spend in each category, you’re going to get a percentage of that back that you can put towards your next bill.
Let’s dive into each category for a closer look.
3% cash back on U.S. supermarket purchases (on up to $6,000 spent annually, then 1%)
Every time you purchase items at a U.S. supermarket—everything from the essentials like bread and eggs to those indulgent little cookies—Amex will give you 3% cash back on your total purchase (up to $6,000 per year in purchases, after that 1%).
So, by going grocery shopping tonight and spending $50 on groceries, you’ll earn a total of 1.5 Rewards Dollars. And of course, the Rewards Dollars pile up the more you spend. So if you’re feeding a big family and spending $200 a week, you’re going to earn your Rewards Dollars quicker. By the way, $200 a week is $6 reward dollars for purchases you were already going to make. Nice!
Some eligible U.S. supermarkets that earn cash back with the Blue Cash Everyday® Card from American Express include:
- ALDI
- FreshDirect
- Gelson’s
- Hy-Vee
- Kings Food Markets
- Meijer
- ShopRite
- Smart & Final
- Stop & Shop
- Trader Joe’s
- Vons
- Whole Foods
- Winn-Dixie
Note that this is not a complete list.
Merchants, where you WILL NOT earn 3% on your purchases, include convenience stores, specialty stores (like bakeries, wine shops, or fish markets), superstores (like Target and Walmart), meal-kit delivery services, and warehouse clubs (like BJ’s Club). The supermarket must also be in the U.S. You can find more info on the American Express website.
3% cash back on U.S. gas station purchases (on up to $6,000 spent annually, then 1%)
Just about every household spends money on gas. Whether you’re commuting or driving kids around town, all that gas adds up. So with your Blue Cash Everyday card from American Express, you can take advantage of this essential spending by earning cash back.
American Express has approved the following gas stations (this is not a complete list):
- Gulf
- Murphy USA
- Murphy Express
- Exxon
- Mobil
- Hess
- Shell
It’s important to note here that you will not earn 3% cash back if the gas station is also part of a supermarket or warehouse club, though there may be some exceptions. Additionally, additional rewards are not earned on the marina or other types of commercial fuel.
3% cash back on U.S. online retail stores (up to $6,000 spent annually, then 1%)
Now, this is a great feature! After the initial onset of the pandemic, many folks started using online retailers to make purchases safely. For this benefit, purchases must be made online via a website or through an app from U.S. retail merchants that sell directly to consumers.
A few examples of purchases that will earn additional rewards include, but are not limited to:
- Major retailers (e.g., Amazon.com, Walmart.com)
- Pet stores (e.g., Chewy.com)
- Furniture stores (e.g., Wayfair.com)
- Department stores
- Drug Stores
- Book stores
- Auto & home supply stores
- Personal and household care
- Toy & Hobby stores
- Computer & Electronic stores
- Apparel, Footwear, and Accessories stores
- Sporting goods stores
The following purchases are not considered retail purchases:
- Restaurants, including food delivery platforms
- Supermarkets, including online grocery orders
- Gasoline stations
- Automotive dealers
- Travel, including airline tickets and rideshare services
- Entertainment, including concert tickets and streaming services
- Other services, including wireless cellular providers
Payment must be made online and categorized as an Internet transaction by the merchant for purchase to be eligible. Additionally, you will not receive additional rewards for purchases ordered online but paid for in-store.
All your purchases do have to be made in the U.S. to qualify.
Unlimited 1% cash back on all other purchases
Last but not least, if the rest of your purchases don’t fall under the categories above, you can still earn cash back.
American Express will give you 1% cash back on all your other qualifying purchases.
For instance, if you’ve got to spend a little extra and buy a new $300 lawnmower at the store, that’s going to earn you an extra 3 Rewards Dollars you can put back towards your bill to pay for essentials like groceries and gas.
Learn more: Blue Cash Everyday® Card from American Express
21 Reasons to Have the Blue Cash Everyday from American Express
1. $0 annual fee (See rates and fees)
When you get approved for the Blue Cash Everyday® Card from American Express, you don’t have to pay an annual fee. This is a great feature, especially with a card that comes with so many earning opportunities. Some cash back cards have hefty annual fees.
By forgoing the annual fee, American Express allows their Blue Cash Everyday card users to focus on how they can put more money back in their pockets.
2. Uses a cash back system
The Blue Cash Everyday® Card from American Express uses a cash back system that gives you money to use towards your card balance.
You receive this cash back by spending money on your Blue Cash Everyday® Card from American Express on eligible purchases. The total number of reward dollars you receive is based on a percentage of the dollar amount of your eligible purchases during each billing period.
You can then redeem your cash back in what American Express calls Reward Dollars in increments of 25. So for each billing cycle, you can use up to 25 Reward Dollars toward your balance. Nice!
3. Get 3% cash back on U.S. supermarket purchases (up to $6,000 spent annually, then 1%)
What’s great about this card is that you’re earning rewards for spending money on essentials. So every time you go to an eligible U.S.-based supermarket and buy your weekly bread and eggs, AmEx will give you 3% cash back on your total purchase (up to $6,000 per year in purchases, after that 1%).
4. Earn 3% cash back on U.S. gas station purchases (up to $6,000 spent annually, then 1%)
Another awesome cash back feature on the Blue Cash Everyday® Card from American Express is that you’ll get 3% cash back when you make purchases at eligible U.S. gas stations, up to $6,000 spent annually (then 1%). That means every time you fill up at your local gas station or while traveling the country, you’re earning Rewards Points that can help fill up your next tank.
Let’s do the math on this one: if it costs $45 to fill up your tank every week, you will earn nearly 4 Rewards Dollars a month. That’s a great way to earn cash back for something you have to buy every week anyway!
5. Get 3% cash back on U.S. online retail stores (up to $6,000 spent annually, then 1%)
OK, you can get rewarded for splurging a little bit with the Blue Cash Everyday® Card from American Express too. While back-to-school clothes might be essential, those (stunning) new shoes might not be. Nonetheless, if you make purchases at any of the Amex-approved online retail stores you will get 3% cash back (up to $6,000 spent annually, then 1%).
6. Unlimited 1% cash back on everything else
Finally, if the rest of your purchases don’t fall under the categories above, you can still earn cash back. American Express will give you 1% cash back on all your other qualifying purchases. So if you’ve got to splurge and buy a television this month for $1,500, you’re going to earn 15 Rewards Dollars. Pretty good for something you were going to buy anyway. Plus, you can use those rewards to pay for other essentials you’ll charge to the card, like groceries or gas.
7. The welcome bonus
The Blue Cash Everyday® Card from American Express welcome bonus is the ability to earn a $200 statement credit after spending $2,000 in purchases on your new Card within the first 6 months.
8. Mobile accessibility and management
You can easily keep track of your spending, your bill’s due date, and your Rewards Dollars by using the Amex mobile app.
9. Access to exclusive entertainment offered to American Express customers
You might be able to snag presale tickets to a hot concert, event, or game thanks to your American Express Experiences. During specific time frames and in certain cities, they will put tickets up for sale which you can purchase with your Blue Cash Everyday® Card from American Express before the tickets are available to the general public. This is a great feature for those who like to go out for entertainment, as you could snag a great deal. Learn more at americanexpress.com/entertainment.
10. Streaming services credit
Cardholders can get $7/month back in the form of a statement credit after they spend $9.99 or more each month on an eligible subscription to The Disney Bundle (which includes Disney+, Hulu, and ESPN+; subject to auto-renewal) with the Blue Cash Everyday® Card. Enrollment required.
11. Car rental loss and damage insurance
American Express offers their Blue Cash Everyday® Card from American Express card users access to their car rental loss and damage insurance. When cardholders reserve and pay for the entire rental and decline the collision damage waiver (CDW) at the rental company counter, they can be covered for damage to or theft of a rental vehicle in a covered territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered.
Note that this product provides secondary coverage and does not include liability coverage.
12. Access to Amex Send & Split™
Cardholders can send money and split their purchases with any other Venmo or PayPal user with Amex Send & Split, you can send money and split purchases with any other Venmo or PayPal user. This can be done directly from the American Express app. Enrollment required. Terms apply.
13. Purchase protection
If you buy something with your Blue Cash Everyday® Card from American Express and it gets accidentally damaged or stolen, American Express provides return protection for up to 90 days from the covered purchase date. Limits do apply so be sure to read up on the exclusions and restrictions.
You hope you don’t have to use such services, but it’s great to know that American Express provides these protections for cardholders.
14. Global Assist Hotline access
If you are traveling 100 or more miles from home and need assistance services, you can use the American Express Global Assist Hotline. This service can also help you plan your trip by providing customs information and more. However, note that the cardholder is responsible for the costs charged by the third-party service providers.
15. Access to Pay It Plan It
With Pay It Plan It, cardholders have two ways to pay:
- Pay It®: Tap a purchase under $100 in the app to quickly make payments throughout the month
- Plan It®: Select purchases of $100 or more and split them up into monthly payments with a fixed monthly fee and no interest charges
You’ll still earn rewards on purchases as you normally would.
16. Additional Cards
You can add an additional card for anyone who makes purchases for you. This includes your spouse, an employee, or even your child (13+)!
17. Fraud protection
If someone steals your card or card information and uses it to purchase things you never authorized, American Express won’t hold you responsible for those fraudulent charges. Call the number on the back of your card to report a fraudulent charge.
18. Redeeming your Rewards Dollars
After you’ve raked in your Rewards Dollars, it’s time to put those dollars to good use.
Your Rewards Dollars will accrue to your account based on how much you spend in each category: eg. 3% on U.S. grocery store purchases. You can then use those Rewards Dollars in increments of 25 to pay off part of your monthly Blue Cash balance. That means the money you spent that month on essentials is going right back towards paying for other essentials. That’s a great way to save you and your family some cash.
19. Access to Pre-Sale Tickets
As an American Express cardholder, you’ll have exclusive access to pre-sales tickets to concerts, sporting events, and more.
20. Year-end summary
Cardholders can review their year-end summary online. This is typically available in January and reflects charges posted to your account from January 1st through December 31st of the prior year.
21. Bonus: Home Chef Perks
Additionally, cardholders can enjoy up to $15 back per month when they purchase a Home Chef meal kit subscription (subject to auto-renewal) with their enrolled Blue Cash Everyday® Card.
The Math Behind the Blue Cash Everyday from American Express
In order to fully understand the Blue Cash Everyday® Card from American Express, it’s important to understand the number behind your cash rewards, Rewards Dollars, and welcome bonus. Here, we’re going to break it all down for you so it’s easy to understand the earning and redemption potential of the Blue Cash Everyday® Card from American Express. Let’s get started!
Numbers behind the Rewards Dollars: 3% cash back on U.S. supermarket purchases
That covers up to $6,000 in U.S. supermarket purchases, which totals 180 rewards dollars. That means after you spend $6,000 at a supermarket that year, you’ll start earning just 1% on those purchases.
For a household that spends around $100 a week on grocery store purchases, that’s not much of a problem because the $6,000 limit will take them about a year to hit. But for a family that’s spending more than that, like $200 a week on groceries, it’ll take less than a year before they’ve hit the limit and their grocery store purchases get knocked down to 1%.
3% cash back on U.S. gas station purchases
When you make purchases at U.S. gas stations, you’ll earn 3% cash back, up to $6,000 spent annually, then 1%. So, if it costs $45 to fill up your tank every week, you will earn nearly 4 Rewards Dollars a month.
And if you’re commuting or schlepping kids back and forth all day and spending closer to $100 a week on gas, that means you’re going to be earning 8 Rewards Dollars every month. Pretty good!
3% cash back on U.S. online retail purchases
When you make purchases at approved online U.S. retailers, you’ll get 3% cash back on up to $6,000 spent annually, then 1%. That’s great for those essential purchases.
1% cash back on other purchases
If the rest of your purchases don’t fall under the categories above, you can still earn cash back. American Express will give you 1% cash back on all your other qualifying purchases. So if you’re buying a computer this month for $1,500, you’re going to earn 15 Rewards Dollars. Pretty good for something you were going to buy anyway. You can use those rewards to pay for other essentials you’ll charge to the card, like groceries or gas.
Learn more: Blue Cash Everyday® Card from American Express
Summary of Blue Cash Everyday Card from Amex
In conclusion, we hope that you’ve found this article helpful, especially in showing you ways to earn rewards with the Blue Cash Everyday® Card from American Express. We think that this is a great card to have if you’re looking for a way to earn cash back rewards on your everyday purchases.
By providing customers with up to 3 percent cash back on purchases, this card is great for someone living on their own or with a family. We all buy groceries, and a large percentage of us have cars we need to fill up. For that reason, this is a great card for your everyday purchases.
All in all, the Blue Cash Everyday card gets 4 stars in our book for the rewards system, access to great benefits, and math that adds up to good deals.
Learn more: Blue Cash Everyday® Card from American Express
Frequently Asked Questions
What kind of rewards can you earn with the American Express Blue Cash Everyday card?
The Blue Cash Everyday card uses a cash back system that gives you money to use towards your Blue Cash balance. You receive this cash back by spending money on your AmEx Blue Cash card on eligible purchases. The total number of reward dollars you receive is based on a percentage of the dollar amount of your eligible purchases during each billing period. You can use a maximum of 25 Rewards Dollars a month towards your bill.
How does the cash back system work for the American Express Blue Cash Everyday card?
With the Blue Cash Everyday® Card from American Express, you’ll earn:
- 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%)
- 3% cash back at U.S. gas stations (up to $6,000 per year in purchases, then 1%)
- Plus, 3% cash back on U.S. online retail purchases (up to $6,000 per year in purchases, then 1%)
- 1% cash back on general purchases
Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
What if someone steals my Blue Cash Everyday American Express card?
If someone steals your card, or card information and uses it to purchase things you never authorized – American Express won’t hold you responsible for those fraudulent charges.
Does American Express have an app I can use on my phone?
Yes! You can easily keep track of your spending, your bill’s due date, and your Rewards Dollars by using the AmEx mobile app.
Where can I get the American Express information on rates, fees, and other cost information?
Click the link below to learn more about the Blue Cash Everyday Card from American Express.
Learn more: Blue Cash Everyday® Card from American Express
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For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
Can these points be transferred to Membership Rewards?
Unfortunately, they can’t be transferred to MR.