American Express Blue Cash Is a Charge Card or Credit Card

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The Blue Cash Everyday® Card from American Express is packed full of benefits. You can earn a welcome bonus -- and who doesn't love a nice chunk of cash? Then, you'll be able to earn cash back on your spending in multiple bonus categories. Terms apply. We'll cover all the good and the bad in this Blue Cash Everyday® Card from American Express review.

Intro APR

Purchases: 0%, 15 months

Balance Transfers: N/A

Regular APR

15.49%-25.49% Variable

• One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome bonus and 0% intro APR offer round out a diverse feature set.

• • U.S. supermarkets rewards
  • Big welcome bonus
  • No annual fee

  • Foreign transaction fee
• • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.

Full Amex Blue Cash Everyday review

This credit card is a good fit for: Shoppers who want a no annual fee card (see rates and fees) and have high spending at U.S. gas stations and on U.S supermarkets purchases.

Top perks

Take a look at this card's top features:

Cash back program

You'll likely have several purchases per month earning either 2% or 3% back.

Depending on where you use the card, you'll earn between 1% and 3% cash back as statement credits. Here are its cash back rates:

• 3% at U.S. supermarkets, capped at $6,000 per calendar year
• 2% at U.S. gas stations
• 1% on other purchases
• Terms apply

Overall, this is a great gas and groceries credit card with a solid mix of bonus categories at places most people visit frequently.

Welcome bonus

The Blue Cash Everyday® Card from American Express has a welcome bonus of $200 in statement credits earned after spending $2,000 on purchases within the first six months. Terms apply.

Read more: Best Sign-Up Bonus Credit Cards

No annual fee

If you're only interested in no annual fee cards, the Blue Cash Everyday® Card from American Express qualifies.

0% intro APR

The intro APR applies to purchases for the first 15 months, putting it among the best 0% APR cards. After, the go-to rate is 15.49%-25.49% Variable. Terms apply (see rates and fees).

Related: Read The Ascent's list of the Best American Express Credit Cards

As of Jul. 06, 2022

Blue Cash Everyday® Card from American Express	Blue Cash Preferred® Card from American Express	Citi® Double Cash Card – 18 month BT offer
Rating image, 4.50 out of 5 stars. 4.50 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 5.00 out of 5 stars. 5.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.	Rating image, 5.00 out of 5 stars. 5.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.
Apply Now for Blue Cash Everyday® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
	Read Full Review	Read Full Review
Rates & Fees	Rates & Fees
Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Good/Excellent (670-850)
Welcome Offer: $200 statement credit	Welcome Offer: $350 statement credit	Welcome Offer: N/A
Rewards Program: 1% - 3% cash back	Rewards Program: 1% - 6% cash back	Rewards Program: Up to 2% cash back
Intro APR: Purchases: 0%, 15 months Balance Transfers: N/A	Intro APR: Purchases: 0%, 12 months Balance Transfers: N/A	Intro APR: Purchases: N/A Balance Transfers: 0%, 18 months
Regular APR: 15.49%-25.49% Variable	Regular APR: 15.49%-25.49% Variable	Regular APR: 15.49% - 25.49%, variable
Annual Fee: $0	Annual Fee: $95	Annual Fee: $0
Highlights: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49%. 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). 2% Cash Back at U.S. gas stations. 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. No annual fee. Terms Apply.	Highlights: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49% 6% Cash Back at U.S. supermarkets on 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/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. $95 Annual Fee. Terms Apply.	Highlights: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Apply Now for Blue Cash Everyday® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
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What could be improved

These areas could be improved upon:

Foreign transaction fee

The card has a 2.7% foreign transaction fee (see rates and fees). This is slightly lower than the usual foreign transaction fee other card charge -- but it's still an extra expense when you travel. Plus, all of this card's bonus categories specify U.S. businesses. As a result, the card is only a good choice if you spend most of your time (and money) in the United States. If not, you should keep looking for other credit cards.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

To get the Blue Cash Everyday® Card from American Express, we recommend you have a good credit score, which means a FICO® Score of 670 or higher. American Express can be flexible with their requirements, and there are the occasional reports of successful applicants with scores as low as 600 -- but if your score is low and you apply for this card, just be aware you'll be rolling the dice.

The Amex Blue Cash Everyday is right for you if:

For a cash back card without an annual fee, the Blue Cash Everyday® Card from American Express has quite a bit to offer. It's a card you should consider if you're looking for any of the following:

• A no annual fee cash back card.
• One of the bigger welcome bonuses in its category.
• A high cash back rate at U.S. supermarkets or for U.S. gas.
• A lengthy 0% intro APR period for purchases.

Read more: Best Rewards Credit Cards

FAQs

• The credit limit for the Blue Cash Everyday® Card from American Express ranges from $500 to over $15,000. It varies based on a variety of factors, including your annual income and credit history.

• It's usually not hard to get the Blue Cash Everyday® Card from American Express if you have good credit. While American Express looks at your entire financial profile, applicants with a FICO® Score of 670 and above have high approval odds.

• Yes, you can have two Blue Cash Everyday® Card from American Express cards. However, you won't be eligible for a welcome bonus on the second card.

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Source: https://www.fool.com/the-ascent/credit-cards/american-express-blue-cash-review/

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