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Maximize Your Everyday Purchases with Amex Blue Cash Everyday Card

Amex Blue Cash Everyday Card: A Great Rewards Credit Card for Everyday Purchases

If you’re looking for a rewards credit card that offers great cash back rates on everyday purchases, Amex Blue Cash Everyday Card may be the perfect fit for you. In this article, we’ll take a closer look at the benefits, perks, and features of this cash back credit card.

Who should get the card? The Amex Blue Cash Everyday Card is a great option for anyone looking to earn cash back on everyday purchases.

The cash back rates are particularly generous for U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. If you frequently shop at these places, you could potentially earn a lot of cash back over time.

It’s also a great option if you spend a lot on other purchases, such as streaming services, transit, and taxis.

Card basics

Before we delve into all the benefits and perks of the Amex Blue Cash Everyday Card, let’s first discuss the card basics.

Cash Back

The primary benefit of the Amex Blue Cash Everyday Card is the cash back rewards. You’ll earn 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

You can redeem your cash back as statement credits, starting at $25.

American Express

The Amex Blue Cash Everyday Card is issued by

American Express, a reputable financial services company that offers a variety of credit cards, charge cards, and other financial products.

Annual Fee

The Amex Blue Cash Everyday Card has no annual fee, which is a great perk for a cash back credit card. You won’t have to worry about paying an annual fee each year, which means you can keep more of your cash back rewards.

Welcome Bonus

When you sign up for the Amex Blue Cash Everyday Card, you can earn a $200 statement credit after you spend $1,000 on purchases in your first 6 months. This is a generous welcome offer that can help you start earning cash back right away.

Reward Rate

The reward rate of the Amex Blue Cash Everyday Card is competitive, particularly for the bonus categories of U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. If you frequently shop in these categories, you could potentially earn a lot of cash back over time.

Credit Score

To qualify for the Amex Blue Cash Everyday Card, you’ll need a good to excellent credit score (typically 670 or higher). If you’re not sure what your credit score is, you can check it for free through various online services.

Intro APR

The Amex Blue Cash Everyday Card offers an introductory 0% APR on purchases for 15 months, which is a great perk if you’re planning to make a big purchase or transfer a balance from another credit card. After the introductory period, the APR will depend on your credit score and other factors.

Foreign Transaction Fee

The Amex Blue Cash Everyday Card charges a 2.7% foreign transaction fee, so it’s not the best option if you frequently travel abroad or make purchases from international merchants.

Benefits and perks

Now that we’ve discussed the card basics, let’s take a look at the benefits and perks of the Amex Blue Cash Everyday Card.

Generous welcome offer

One of the best benefits of the Amex Blue Cash Everyday Card is the generous welcome offer. When you sign up for the card, you can earn a $200 statement credit after you spend $1,000 on purchases in your first 6 months.

This is a great way to jumpstart your cash back rewards and get some extra cash in your pocket.

Great intro APR

The Amex Blue Cash Everyday Card offers an introductory 0% APR on purchases for 15 months, which is a great perk if you’re planning to make a big purchase or transfer a balance from another credit card. This can help you save money on interest charges and pay off your balance faster.

Cash back on everyday items

The Amex Blue Cash Everyday Card offers generous cash back rates on everyday purchases, including 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases. This is a great way to earn cash back on the things you’re already buying.

Statement credits for the Disney bundle

If you’re a fan of Disney+, Hulu, and ESPN+, you’ll love this benefit of the Amex Blue Cash Everyday Card. When you use your card to make eligible purchases on these platforms, you can earn a $7 statement credit each month.

This can help offset the cost of your subscription and save you some money.

Home Chef statement credits

If you’re a fan of meal delivery services, you’ll love this benefit of the Amex Blue Cash Everyday Card. When you enroll in Home Chef with your Amex Blue Cash Everyday Card, you can earn $15 in statement credits each month.

This can help you save money on meal delivery and try out new recipes without breaking the bank. $0 annual fee

One of the best perks of the Amex Blue Cash Everyday Card is the $0 annual fee.

This means you can enjoy all the benefits of a cash back credit card without having to pay an annual fee each year. This can help you save money and make the most of your cash back rewards.

Car rental coverage

When you use your Amex Blue Cash Everyday Card to rent a car, you’ll automatically receive car rental insurance coverage. This can help protect you if you get into an accident or your rental car is damaged or stolen.

ShopRunner benefits

When you enroll in ShopRunner with your Amex Blue Cash Everyday Card, you’ll receive a free ShopRunner membership that offers free two-day shipping at hundreds of online retailers. This can help you save money on shipping costs and get your purchases delivered faster.

Instant card number

If you’re approved for the Amex Blue Cash Everyday Card, you’ll receive an instant card number that you can use to start making purchases right away. This can be a great way to start earning cash back rewards and take advantage of all the benefits of the card.

Conclusion

Overall, the Amex Blue Cash Everyday Card is a great cash back credit card for anyone looking to earn rewards on everyday purchases. With generous cash back rates, a great welcome offer, and a variety of benefits and perks, this card is definitely worth considering.

Whether you’re shopping for groceries, filling up your gas tank, or ordering takeout, the Amex Blue Cash Everyday Card can help you earn cash back on the things you’re already buying.

3) Drawbacks to Amex Blue Cash Everyday Card

While the Amex Blue Cash Everyday Card has many benefits and perks, it’s important to consider the drawbacks as well. Here are a few potential downsides to this cash back credit card:

Cap on bonus spending

While the Amex Blue Cash Everyday Card offers generous cash back rates on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, there is a spending cap for the bonus categories. You’ll earn 3% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on all other purchases.

Once you reach the spending cap, the earning rate for that category will drop down to 1%. This can be a downside for frequent shoppers who spend more than $6,000 per year at U.S. supermarkets.

Foreign transaction fee

Another potential downside of the Amex Blue Cash Everyday Card is the foreign transaction fee. If you frequently travel abroad or make purchases from international merchants, you’ll be charged a fee of 2.7% on each foreign transaction.

This can add up quickly and negate some of the cash back rewards you earn on your purchases.

4) Earning and redeeming cash back with Amex Blue Cash Everyday Card

If you’re considering the Amex Blue Cash Everyday Card, you may be wondering how much cash back you can earn and how to best redeem your rewards. Here are some tips for earning and redeeming cash back with this credit card:

Potential earnings in years one and two

According to a FinanceBuzz valuation model, a consumer spending $1,325 per month on groceries, gas, and other purchases, could earn around $272 in cashback rewards in the first year of holding the Amex Blue Cash Everyday Card. In the second year, the earnings could increase to around $525, factoring in the generous 20% bonus on cash back earned in the first year.

This does not include the $200 welcome bonus that you can earn after spending $1,000 on purchases within the first six months of opening your account.

Best ways to earn cash back

To maximize your cash back earnings with the Amex Blue Cash Everyday Card, consider using it for regular purchases that you would make anyway, such as groceries, gas, and online purchases. Make sure to budget your spending and stay within the spending caps for each category to earn the highest cash back rate possible.

Another way to boost your earnings is to pair the Amex Blue Cash Everyday Card with another cash back credit card, such as the Chase Freedom Flex, which offers rotating bonus categories that can earn you additional cash back on top of what you earn with the Amex Blue Cash Everyday Card.

Maximizing your redemptions

When it comes to redeeming your cash back rewards, there are a few different options to consider. One option is to redeem your rewards as statement credits, which can help offset your credit card balance or lower your monthly payment.

Another option is to use your rewards to purchase items from the Amex Rewards site, which offers a variety of merchandise, gift cards, and other items that you can purchase with your cash back rewards. Keep in mind that the redemption options and redemption value may vary, so make sure to compare your options before redeeming your rewards.

In conclusion, the Amex Blue Cash Everyday Card is a great cash back credit card for anyone looking to earn cash back on everyday purchases. While there are some potential drawbacks to consider, the benefits and perks, including the generous cash back rates, welcome bonus, and $0 annual fee, make this card a great option for many consumers.

With a little bit of planning and strategy, you can maximize your cashback earnings and get the most value out of your rewards.

5) Amex Blue Cash Everyday FAQs

If you’re considering the Amex Blue Cash Everyday Card, you may have some questions about the card and its features. Here are some frequently asked questions about this cash back credit card:

Card type differences

If you’re familiar with

American Express credit cards, you may be wondering how the Amex Blue Cash Everyday Card compares to other card types. One comparison is with the Amex EveryDay Card, which offers Membership Rewards points instead of cash back rewards.

While the Amex EveryDay Card has a lower earning rate for purchases, it offers bonus points for using the card on a regular basis. If you prefer earning cash back rewards, the Amex Blue Cash Everyday Card may be a better fit for you.

Credit score requirement

To qualify for the Amex Blue Cash Everyday Card, you’ll need a good to excellent credit score (typically 670 or higher). However, the actual credit score requirement may vary depending on your financial history, income, and other factors.

If you’re not sure if you qualify for the card, you can check your credit score for free through various online services.

Annual fees

One of the best perks of the Amex Blue Cash Everyday Card is the $0 annual fee. This means you can enjoy all the benefits of a cash back credit card without having to pay an annual fee each year.

If you’re looking for a cash back credit card with no annual fee, the Amex Blue Cash Everyday Card is a great option.

6) Other cards to consider

While the Amex Blue Cash Everyday Card is a great cash back credit card, there are a few other cards you may want to consider as well. Here are two options to consider:

Blue Cash Preferred Card from

American Express

The Amex Blue Cash Preferred Card is another cash back credit card from

American Express that offers higher cash back rates than the Amex Blue Cash Everyday Card.

You’ll earn 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis, rideshares, parking, tolls, trains, and buses), and 1% cash back on all other purchases. However, the card does have an annual fee of $95.

If you spend a lot on groceries and streaming services, the Amex Blue Cash Preferred Card may be a better fit for you.

Citi Double Cash Card

The

Citi Double Cash Card is a cash rewards credit card that offers a unique earning structure. You’ll earn 1% cash back on all purchases, and an additional 1% cash back as you pay for those purchases.

This means you can earn up to 2% cash back on all purchases, with no caps and no categories to worry about. The card has no annual fee, making it a great option if you’re looking for a simple, straightforward cash back credit card.

However, it may not offer as high of cash back rates as the Amex Blue Cash Everyday Card on certain bonus categories. In conclusion, the Amex Blue Cash Everyday Card is a great cash back credit card for anyone looking to earn rewards on everyday purchases.

While there are a few other cards to consider, the Amex Blue Cash Everyday Card offers a great balance of cash back rates, benefits, and no annual fee. Whether you’re shopping for groceries, filling up your gas tank, or ordering takeout, the Amex Blue Cash Everyday Card can help you earn cash back on the things you’re already buying.

The Amex Blue Cash Everyday Card is a cash back credit card that offers great cash back rates on everyday purchases, with no annual fee. While it has drawbacks such as a spending cap on bonus categories and a foreign transaction fee, it still offers a great balance of benefits and rewards.

To maximize your cash back earnings, use the card for regular purchases and pair it with another cash back credit card. Other cards to consider include the Blue Cash Preferred Card from

American Express and the

Citi Double Cash Card.

If you’re looking for a cash back credit card that rewards you for everyday purchases, the Amex Blue Cash Everyday Card is definitely worth considering.

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