Blue Cash Everyday® Card from American Express: 3% on groceries, gas and online shopping.

The Blue Cash Everyday® Card from American Express offers an easy way to get a decent amount of cash back rewards on groceries, gas, and online shopping. But most families can earn more rewards and get better benefits from the Blue Cash Preferred® Card from American Express.

Here’s what you need to know about the Blue Cash Everyday® Card from American Express.

Blue Cash Everyday® Card from American Express at a glance

Here’s what you need to know about the Blue Cash Everyday® Card from American Express.

Annual fee: annual_fees (See Rates and Fees)

The Blue Cash Everyday® Card from American Express offers a good option if you want cash back rewards at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases.

Welcome offer

Earn a $200 statement credit after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership. Plus receive 10% back, up to $150, as a statement credit on purchases at restaurants worldwide within the first 6 months of Card Membership. Learn how to apply for this Resy exclusive offer.
All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.

Rewards

• 3% on groceries at U.S. supermarkets
  on up to $6,000 per year of purchases, then 1%.
• 3% on U.S. online retail purchases
  on up to $6,000 per year of purchases, then 1%.
• 3% on gas at U.S. gas stations
  on up to $6,000 per year of purchases, then 1%.
• 1% on other purchases.

Rewards are earned as cash back.

Benefits

Consumer insurance benefits

• Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.

Travel insurance benefits

• Car rental loss and damage insurance.
• Global assist hotline.

Partner benefits and statement credits

• $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
• $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
• Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.

Blue Cash Everyday® Card from American Express new cardmember welcome offer

Blue Cash Everyday® Card from American Express offer: $200 statement credit after spending $2,000 in 6 months, plus 10% back at restaurants. (Annual fee: $0)

Earn a $200 statement credit after you spend $2,000 in purchases on the Card within the first 6 months of Card Membership. Plus receive 10% back as a statement credit on purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $150 back. Get this welcome bonus.
(See Rates and Fees)

This is the best welcome bonus we know about on this card—you likely won’t see the 10% restaurant offer on most other sites, since it is not available through affiliate networks.

Bonus rewards at U.S. supermarkets, U.S. gas stations, and U.S. online retail. $84 ($7 monthly) Disney Bundle Credit (Enrollment required). (More in our card review.)

This is a link to a public offer available exclusively through Resy. All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.

Our 30 second review of the Blue Cash Everyday® Card from American Express

We like that the Blue Cash Everyday® offers a reasonable option for people who want to earn bonus cash back rewards on groceries at U.S. supermarkets and gas at U.S. gas stations. The downside is that bonus rewards are capped at $6,000 in annual spending in each category. (You’ll earn 1% on additional spending until the calendar year resets.)

The card’s 3% cash back on up to $6,000 of annual U.S. online retail purchases (1% thereafter) is a unique bonus category that makes the Blue Cash Everyday one of the best cards for rewards when shopping online. And if you already subscribe to Disney+, you can get up to $84 in credits annually by charging your subscription to your card. (Enrollment required.)

Get the card if you want a decent no-annual-fee cash back card for gas and groceries or if you subscribe to Disney+. But we think that most families would be better off with the Blue Cash Preferred® Card from American Express.

Rewards: Blue Cash Everyday® Card from American Express rewards

You’ll earn cash back rewards as you use your Blue Cash Everyday® card for spending, particularly in the card’s bonus categories. Here’s what you need to know about the Blue Cash Everyday’s rewards.

Earning rewards

Here’s what the Blue Cash Everyday card earns on purchases:

Rewards are earned as cash back.

Checking your cash back rewards

Because the Blue Cash Everyday® card only earns 3% on the first $6,000 of spending in each of its bonus categories, you might want to occasionally check on how much you’ve spent in each category. This is easiest to do through the American Express website.

After logging into your account on the Amex website, select your Blue Cash Everyday card and scroll down to the panel labeled “Reward Dollars.” Click on “Explore your rewards.” On the screen that follows, you’ll see how much you’ve earned in each of the card’s bonus categories. Keep in mind that you’ll only earn up to $180 of cash back rewards in each category before you earn 1%. (3% earnings are capped at $6,000 of spending in each category.)

Refer a friend. Earn rewards.

American Express offers some cardmembers the ability to earn additional rewards on some cards by referring friends to American Express cards. If you are eligible to refer a friend, you’ll likely see a “Refer a Friend. Earn Rewards” link when you log into your account on the American Express website. You can also find this under the “Membership” tab in the mobile app.

You can also go directly to the Refer a Friend page on americanexpress.com. When on the page, either log into your account online to or enter your card number, 4-digit security code, and last 4 digits of your social security number to check your referral eligibility and get your referral link. If you are eligible, you can send a link to your friend via email or you can copy and paste the link on the screen to post on social media or send directly.

If your friend is approved for a new American Express card using the link you sent, you may receive additional points or cash back. The amount of rewards you can earn is limited each year. Additionally, the offer you send to your friend may not be the best available offer.

Not all cards or cardmembers are eligible to refer a friend. And eligibility may change over time—I’ve personally see eligibility come and go on several of my own cards.

Using your rewards

The Blue Cash Everyday® Card from American Express’s cash back rewards can either be redeemed for a statement credit or used at checkout. Most likely, you’ll want to redeem your rewards for a statement credit.

Within the mobile app, select your account and click on the “Membership” tab. At the top of the screen, you’ll see a section labeled “Reward Dollars” and the option to redeem your rewards. Click “Redeem Rewards.” You’ll then be prompted to either redeem your entire reward dollars amount for a statement credit or redeem another amount.

While you can redeem your rewards at checkout at Amazon.com, we don’t advise using this option. You’ll give up the opportunity to earn points on your purchase and redeeming a statement credit is simpler.

Benefits of the Blue Cash Everyday® Card from American Express

Here’s an overview of the benefits offered on the Blue Cash Everyday® Card from American Express:

Consumer insurance benefits

Many cards offers consumer insurance benefits that can protect the things you buy. Terms and restrictions apply to all benefits.

Purchase protection – Purchase protection protects the things you buy with your card from damage or loss for a certain amount of time after you buy them. The purchase protection on the Blue Cash Everyday® Card from American Express provides protection on many items for 90 days from the date of purchase, up to $1,000 per covered purchase and $50,000 per card, per calendar year.

Travel insurance benefits

Cards targeted toward travelers often offer travel insurance benefits that can protect you when you are traveling away from home. Terms and restrictions apply to all benefits.

Car rental loss and damage Insurance – Car rental loss and damage insurance protects you against damage or theft to your rental vehicle. For coverage to apply, you need to reserve and pay for your vehicle using your card and decline your car rental company’s collision damage waiver. The coverage provided by your Blue Cash Everyday® Card is secondary to your personal auto insurance. This means that you will be required to make a claim against your personal auto insurance before this policy will pay. Additional terms apply. See your card’s guide to benefits for details.

Travel benefits

Terms and restrictions apply to all benefits.

Global Assist Hotline. Can provide assistance and coordination for services such as lost passport replacement, translation services, missing luggage assistance and emergency legal and medical referrals. You are responsible for charges from third-party service providers.

Third-party merchant benefits

Some cards offer statement credits for purchases at select merchant partners. Terms and restrictions apply to all benefits.

$84 The Disney Bundle credit – Receive a $7 statement credit each month when you make a qualifying purchase at Disneyplus.com, Hulu.com or Plus.espn.com equaling $12.99 or more. A qualifying purchase is a Disney Bundle monthly subscription or any other monthly subscription, annual subscription, or add-on. You must enroll to receive this benefit. Terms apply.

$180 Home Chef credit – Make cooking at home even more enjoyable. Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday Card. Terms apply.

ShopRunner. Get a free ShopRunner membership, which provides free 2-day shipping at select specialty merchants. Enrollment required. Terms apply.

Amex Offers – American Express cardmembers receive targeted merchant-specific deals through Amex Offers. These targeted offers are offered in partnership with merchants and range in value from a marginal amount of to rebates upwards of 25%. Enrollment is required to take advantage of an Amex Offer.

Cards that pair well with the Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers cash back rewards, which means that there are few opportunities for card synergies. We know of no way to increase the value of the rewards you earn by getting another card.

Since the card only offers 1% cash back on general purchases, we recommend pairing the card with a card that offers 2% cash back rewards everywhere. That will double your rewards “everywhere else” and many 2% cards can be had with no annual fee. It’s also worth considering picking up a card with a robust extended warranty benefit for purchases like expensive electronics.

Alternatives to the Blue Cash Everyday® Card from American Express

If you’re looking at the Blue Cash Everyday® Card from American Express for its rewards on groceries and gas, consider upgrading to the Blue Cash Preferred® Card from American Express. With the Blue Cash Preferred, you’ll get 6% rewards on groceries at U.S. supermarkets on up to $6,000 of purchases each calendar year, and unlimited 3% rewards on gas purchases at U.S. gas stations. Plus you’ll get Amex extended warranty and return protection in addition to purchase protection when you make purchases. If you spend a lot on groceries or gas, the upgrade will pay off.

Alternatively, you could pick up a few cards with no annual fee from our lists of the best cards for gas and the best cards for groceries.

If you shop online primarily at a single store, there are often cards that will give you more in cash back rewards. Target, Amazon, Walmart, and Costco all have options that will earn you more rewards.

When is the Blue Cash Everyday® Card from American Express right for you?

If you’re looking for a single card that can give you rewards on a moderate amount of gas and groceries and you’re averse to paying an annual fee, the Blue Cash Everyday® Card from American Express is a great fit. And if you subscribe to The Disney Bundle, the card’s value proposition is an easy win, thanks to the card’s $84 credit for The Disney Bundle (enrollment required.)

My take on the Blue Cash Everyday® Card from American Express

If you subscribe to The Disney Bundle and don’t have the Blue Cash Preferred® Card from American Express, picking up the Blue Cash Everyday® Card from American Express card will net you up to $84 a year in credits just by using the card to pay for The Disney Bundle. The card can be a great option to use for groceries at U.S. supermarkets, U.S. online shopping (including Costco and Amazon), and gas at U.S. gas stations if you want a single card for those purchases with no annual fee.

If you’re willing to pay an annual fee or hold multiple cards, you can do better in terms of rewards and benefits in any of the above categories. The Blue Cash Preferred® Card from American Express gets you 6% on your first $6,000 of groceries each year, then 1%. Plus you’ll get 3% on an unlimited amount of gas and benefit from Amex extended warranty, Amex purchase protection, and Amex return protection. If you’re willing to hold multiple cards, there are better cards for gas, groceries and online shopping at places like Target and Amazon.

I do not have this card, but I do hold the upgraded version, the Blue Cash Preferred® Card from American Express.

How to apply for the Blue Cash Everyday® Card from American Express

The best place to apply for the Blue Cash Everyday® Card from American Express is through the link below. This is a public offer through Resy, Amex’s restaurant reservation partner. You likely won’t see this link on other blogs, since it is not an affiliate link. But applying through this link will get you an extra 10% back as a statement credit on purchases made at restaurants, in addition to the standard welcome bonus, making it the best offer available.

Blue Cash Everyday® Card from American Express offer: $200 statement credit after spending $2,000 in 6 months, plus 10% back at restaurants. (Annual fee: $0)

Earn a $200 statement credit after you spend $2,000 in purchases on the Card within the first 6 months of Card Membership. Plus receive 10% back as a statement credit on purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $150 back. Get this welcome bonus.
(See Rates and Fees)

This is the best welcome bonus we know about on this card—you likely won’t see the 10% restaurant offer on most other sites, since it is not available through affiliate networks.

Bonus rewards at U.S. supermarkets, U.S. gas stations, and U.S. online retail. $84 ($7 monthly) Disney Bundle Credit (Enrollment required). (More in our card review.)

This is a link to a public offer available exclusively through Resy. All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.

A few notes on applying for American Express credit cards

Here are a few things that you should know about applying for American Express cards.

• Amex will let you know if you’re ineligible for the new cardmember welcome offer when applying. If you don’t qualify for a welcome offer for any reason, American Express will inform you during the application process and let you withdraw your application before they perform a “hard pull” on your credit report. If you withdraw your application, the withdrawn application will have no impact on your credit score.
• No hard pull if they deny you. If Amex denies your credit card application, they usually won’t issue a hard pull on your credit report. This means that your credit score won’t decrease because of the denied application.
• One welcome offer per card per “lifetime”. Most Amex card terms say that you’re ineligible for a welcome offer if you’ve ever had the card before. Some targeted offers do not have this lifetime language. Readers and other blogs have reported that Amex may internally define “lifetime” as 7 years—if it’s been 7 years since you’ve had a card, you might be eligible to get a welcome offer again.
• Some cards allow one welcome offer per card “family”. Some American Express cards, like the personal Platinum card or the Charles Schwab Platinum card have language that prohibits you from earning a welcome bonus if you’ve ever had a card from the same card family before.
• Maximum 5 Amex credit cards and 10 pay-over-time cards. You can have a maximum of 5 American Express credit cards at one time. In addition, you can hold up to 10 American Express pay-over-time cards (like the Platinum, Gold, and Green cards.) These limits are known to occasionally be flexible for some cardmembers, some of the time.
• You might be able to get a better welcome offer than the public offer. American Express offers some customers targeted offers. See our post on how to get the best welcome offers from American Express and try those methods before applying for an American Express card. You might be able to get an elevated welcome offer.
• Check your application status online. You can check the status of your American Express card application online through the Amex website.

Frequently asked questions

American Express card disclosures

• For rates and fees of the Blue Cash Everyday® Card from American Express, please visit this link: See Rates and Fees

Amex Basic Purchase Protection benefit disclosure: 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.