Blue Cash Everyday® Card review: 3% cash back in useful categories

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March 12, 2025: The Blue Cash Everyday® Card from American Express offers an easy way to get a decent amount of cash back rewards on your everyday purchases. While it isn’t the best card for anything, it’s a decent option if you want to avoid annual fees.

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

Cards and Points Rating: 4.0/5.0
Read more about our star ratings.

The Blue Cash Everyday® Card from American Express (See Rates and Fees) is a decent card for everyday purchases for someone wanting simplicity with no annual fee, and the card pairs well with a 2% cash back credit card.

The killer feature of the Blue Cash Everyday is its cash back on up to $6,000 of purchases per year (then 1%) in each of its bonus categories:

• Groceries at U.S. supermarkerts.
• U.S. online retail purchases.
• Gas at U.S. gas stations.

While the 3% bonus rewards are capped in each category, the $6,000 cap is high enough that it will probably cover most spending by most families in those categories.

If you subscribe to Disney+, ESPN Plus, or Hulu and pay for it directly (i.e. not through a bundle with something like a cell phone plan), you can benefit from the $7 monthly statement credits when you charge an eligible subscription to the card. Terms apply, enrollment required.

The card doesn’t offer much in the way of consumer protections—you might want to consider upgrading to the Blue Cash Preferred® Card from American Express or getting another card with an extended warranty benefit for your more expensive purchases. But the value proposition for most consumers, especially Disney+ subscribers, is solid.

Welcome offer: Get a cash back statement credit

Annual fee: annual_fees
(See Rates and Fees)

Best welcome offer: bonus_miles_full
Learn how to apply.

This bonus is earned as a cash back statement credit.

Blue Cash Everyday® Card from American Express at a glance

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

Best welcome offer: bonus_miles_full
Learn how to apply.

This bonus is earned as a cash back statement credit.

The above offer is currently the best available offer, we’ve seen better welcome offers on this card in the past. For more, see our coverage of the best Blue Cash Everyday offers.

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

• Amex 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 Plus 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.

Our experience: We love Disney+ credits

I don’t hold the Blue Cash Everyday® Card from American Express, but I do hold the upgraded version, the Blue Cash Preferred® Card from American Express.

With either card, you can earn what is marketed as an “$84 Disney Bundle Credit.” In reality, the credit is a monthly $7 credit and I use this to cover part of my family’s monthly Disney+ subscription. But the credit is much more widely useful than the marketing implies. If you dig into the terms and conditions, you’ll find that you can earn the credit if you charge an eligible Hulu or ESPN+ subscription as well. In my view, if you subscribe to any of these services as a standalone subscription, getting this card is an easy call.

I write about credit cards and travel rewards for a living, so I have more cards in my wallet than most people. If I didn’t have a stable of cards for my online shopping (mostly at Amazon, Target, and Costco) and my grocery store purchases, I could see myself holding the Blue Cash Everyday to keep my wallet simple and annual fees low.

Rewards: Blue Cash Everyday® Card from American Express rewards

With the Blue Cash Everyday® Card from American Express, you’ll earn cash back on your purchases. Here’s what the card earns on your spending:

• 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.

The $6,000 spending limit for bonus rewards in each category applies to each category individually, and resets with the calendar year. For example, you could spend $6,000 at U.S. Supermarkets, plus $4,000 on online retail purchases, plus $2,000 at U.S. gas stations in 2025 and earn 3% rewards on all of that spending with this card.

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

The Blue Cash Everyday® Card from American Express doesn’t offer much in the way of consumer insurance or travel benefits, but the Disney+ statement credit is a highly-useful, unique benefit of the card.

Consumer insurance benefits

• The Amex Purchase Protection benefit protects the things you buy with your card from damage or loss for up to 90 days from the date of your purchase. Coverage is up to $1,000 per covered purchase and $50,000 per card.

Travel benefits

If you travel often, you’ll probably want another card with robust travel insurance benefits, but the Blue Cash Everyday can provide some additional protection if you use it to rent a car.

• Renting a car with your card can get you Amex Car Rental Loss and Damage Insurance, which covers your rental against damage or theft. Coverage is up to $50,000 per rental agreement and excludes Australia, Italy, and New Zealand.
• The Amex Global Assist® Hotline can connect you to a variety of emergency travel, medical, and legal services 24/7 whenever you are traveling. All costs of referred services are the responsibility of the cardmember.

Statement credits and partner offers

Where the Blue Cash Everyday® Card from American Express really shines is its third party credits. If you’re a Disney+ subscriber, either this card or the Blue Cash Preferred is almost a must-get card.

• Disney Plus 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.

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

The Blue Cash Everyday® Card from American Express is a great option if you want to increase the rewards you earn and minimize credit card annual fees. Here’s how you can know that the card is right for you:

• You subscribe to Disney+. If you pay for a standalone monthly Disney+ subscription, the card’s Disney+ credit makes getting this card an easy decision.
• You want simplicity and low fees. While the Blue Cash Everyday card won’t get you the highest rate of cash back anywhere, it will get you a decent rate of cash back on a lot of your spending with no annual fees while adding minimal complexity to your wallet.
• You have another card that offers good cash back everywhere and an extended warranty. The Blue Cash Everyday only offers 1% cash back on general purchases and doesn’t have an extended warranty benefit, so you’ll want to pair it with at least one of these cards.

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

Carrying one or two other cards alongside the Blue Cash Everyday® Card from American Express can dramatically increase the rewards and utility in your wallet. Here are a few of our suggestions.

• A 2% cash back card can literally double the rewards you earn everywhere outside the Blue Cash Everyday’s bonus categories. We like the Citi Double Cash and (if you’re in TD Bank’s service area) the TD Double Up card.
• A card with an extended warranty benefit pairs well with the Blue Cash Everyday if you want to protect more expensive purchases. Alternatively, you could upgrade to the Blue Cash Preferred and get this benefit as well.)

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,

• You want better grocery rewards. You can get better grocery rewards on another card an easy upgrade option is the Blue Cash Preferred® Card from American Express. But there are plenty of other cards offering great rewards on grocery store purchases.
• You spend a lot on gas. If you drive a large vehicle or put a lot of miles on your car, the $6,000 cap on the Blue Cash Everyday’s U.S. gas station rewards might be stifling. The upgraded option, the Blue Cash Preferred® Card from American Express offers unlimited 3% rewards in this category, or check out our list of the best cards for gas purchases for other options.
• You want better rewards on online shopping. If you shop online frequently, you can often do better than 3% cash back by using a card that earns more rewards at that specific merchant. We have lists of the best cards to use at many retailers, including the best cards for Target, best cards for Costco, best cards for Amazon.com, and best cards for Walmart.

Bottom line: More rewards if you want simplicity

At the end of the day, when you go after more credit card rewards, you’re often making a tradeoff. Optimizing your wallet can mean more rewards, but at the cost of simplicity. If you want to keep things simple, the Blue Cash Everyday® Card from American Express, paired with a card offering 2% cash back rewards everywhere is a decent choice.

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

Amex Car Rental Loss and Damage Insurance (standard) disclosure: 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.

Amex Global Assist Hotline disclosure: 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.

Amex Purchase Protection (standard) 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.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.