Blue Cash Everyday®

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Blue Cash Everyday®

At a glance

Welcome Offer

Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.

Limited Time Offer

New Offer

All time high

Rewards

3% cash back on U.S. online retail purchases, on up to $6,000 per year in purchases (then 1%)

3% cash back on gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)

3% cash back on U.S. online retail purchases, on up to $6,000 per year in purchases (then 1%)

Points on other purchases

Intro APR

0% on purchases for 15 months

Balance Transfer Intro

0% on balance transfers for 15 months

Regular APR

18.74% - 29.74% Variable

Annual Fee

Blue Cash Everyday®

The American Express Blue Cash Everyday® Card offers a practical reward for everyday drivers: earn 3% cash back at U.S. gas stations on up to $6,000 per year in purchases, and 1% thereafter. Maximize your savings simply by fueling up. Ideal for regular commuters looking to get more from their everyday spending.

Application Tips

Get the best results with each application

Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? You can only get approved for up to - and including- 5 Amex credit cards (including personal and business), but this rule isn’t always enforced (please note the total of 5 credit cards excludes some Amex cards that are No Preset Spending Limit* cards like the Amex Platinum, Amex Gold, etc)

Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.

Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.

Limit Increase

Credit Inquires

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For existing Amex cardholders — Amex does not pull your credit for new credit card applications.

Application Inquires Credit inquiries for same-day applications will be combined, as long as they are both approved for on the same day. Note, for some existing Amex credit cardholders, Amex will| not do a hard credit pull when applying for a new credit card at any time

Welcome Offer Eligibility: Welcome Offer Eligibility You can only receive 1 welcome bonus per lifetime on each Amex credit card. If you are not eligible for the welcome bonus you will be notified by Amex before you submit the application.

Downgrade Options

Getting your card

Quickest way to get my card: Amex will sometimes give you an instant credit card number after approval, but not always. Amex physical credit cards cannot be expedited (except for the platinum cards) and will arrive after 5-7 business days

Rescore your report: To update your balance off-cycle, call 1-800-874-2717. The update will take up to 5 business days.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

No items found.

Credits

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for Disney Bundle subscriptions. Eligibility and Benefit level varies by Card.

Credits

$180 Home Chef Credit

Choose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides credits for Home Chef meal kit deliveries. Eligibility and Benefit level varies by Card.

Extra Redemption Value

ShopRunner

Get free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner. Enroll in complimentary membership as a benefit of your eligible Card.

Terms Apply. Enrollment required. Please visit americanexpress.com/benefitsguide for more details. This benefit provides complimentary ShopRunner membership which includes free 2-day shipping and free returns at participating online stores. Eligibility and Benefit level varies by Card.

Purchase Protection

Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Global Assist® Hotline

Lose your wallet? Need a medical referral? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. Global Assist Hotline can even help you prepare for your trip with customs information and more. Card Members are responsible for the costs charged by third-party service providers.

You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Auto CDW Insurance

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you 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. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your Cash to any of the following American Express Travel Partners.

Points Transfer Partners

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

0% on balance transfers for 15 months

Balance transfer Fee

Balance transfer Terms

The balance transfer must be made within the first 60 days of account opening

Foreign Transactions

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Why We Like it

If you're looking for a credit card that blends everyday utility with exciting perks, the American Express Blue Cash Everyday® Card might be just what you need. Here's why:

Cash Back Galore: Earn cash back on groceries, gas, and more—without any annual fee.
Easy Online Shopping: Complimentary ShopRunner membership for free 2-day shipping from over 100 stores.
Peace of Mind: Purchase Protection against damage or theft, plus 24/7 Global Assist® Hotline for travel emergencies.
Travel Benefits: Car Rental Loss and Damage Insurance for extra protection.
Tasty Perks: Up to $180 in Home Chef credits and up to $84 in Disney Bundle credits.

With the American Express Blue Cash Everyday® card, every dollar works smarter for you. Terms Apply

Considerations

The American Express Blue Cash Everyday® card is a popular choice for everyday spending, offering various perks and rewards. However, there are a few drawbacks to consider:

Limited Reward Categories: Mainly rewards groceries, gas, and department store purchases, which may not suit everyone.
Foreign Transaction Fees: Charges a 2.7% fee on purchases made abroad.
Lower Reward Rates: Other cards may offer higher cashback percentages in similar or more diverse categories.
High APR: The interest rate can be high depending on creditworthiness, which is costly if carrying a balance.
Cash Back Redemption Restrictions: Cashback can only be redeemed in certain increments, limiting flexibility.
Potential Annual Fee Changes: While there's no annual fee initially, watch for possible changes or added fees in subsequent years.

Consider these points to determine if the American Express Blue Cash Everyday® card aligns with your spending habits and financial goals.

Blue Cash Everyday®

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Why We Like it

Considerations

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