Blue Cash Everyday American Express

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Blue Cash Everyday American Express

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  • $150 reward as statement credit welcome bonus
  • Up to 3% cash back
  • $0 annual fee


  • 0% APR intro offer for 15 months
  • Extra cashback at qualifying retailers
  • $0 annual fee


Blue Cash Everyday Card Summary

The Blue Cash Everyday Card from American Express comes with a great number of benefits for people who use their credit card mostly at local supermarkets, as well as gas stations. The card does not charge an annual fee, which is certainly convenient for those who are on a tight budget.

A generous welcome bonus is provided in the form of a statement credit but does require the customer to spend a minimum amount on qualifying. Triple cashback bonuses are awarded on selected purchases, but there is a limit on how much points a customer can accumulate when taking advantage of this offer.

An introductory period applies to the issuance of the Blue Cash Everyday Card from American Express. The customer is given 15 months to enjoy transactions without interest fees being added to their account. This offer does not only exist for standard purchase transactions but also extends to Balance Transfers.


PROS:
  • $150 reward as statement credit welcome bonus
  • Up to 3% cash back
  • $0 annual fee

CONS:
  • Minimum reward redemption of $25
  • Needs a minimum credit score of 690
  • High APR after the intro period


Best Features

With no annual fees charged on the Blue Cash Everyday Card from American Express, customers can enjoy ownership of the card without incurring this particular type of Fee once a year. The card also has a welcome offer that customers can take advantage of, where $150 in cashback is awarded and applied to their statement credit, but there is a minimum spend required to claim this reward.

Customers can earn up to 3% cash back on purchases that are made with the Blue Cash Everyday Card from American Express. The 3% cashback offer extends to purchases made at selected U.S. supermarkets. A 2% cashback is provided on purchases made at selected department stores and gas stations within the United States. All other purchase transactions are awarded a 1% cashback rate.

The intro offer applies a 0% APR to both Balance Transfers and regular purchase transactions that are made during the first 15 months after the customer was issued with the card.


Drawbacks

A major drawback for many potential customers would be the fact that the cash back welcome bonus is applied as a statement credit and cannot be redeemed in any other way. The customer also needs to spend at least $1,000 within the initial three months to benefit from this welcome offer.

When cash back rewards are redeemed, there is a minimum set to $25. Thus, the customer will first need to accumulate enough points to redeem the minimum amount.

Another important drawback is the fact that the acceptance of American Express cards is significantly more restricted compared to MasterCard and Visa.


Overall Summary

People who enjoy a cashback rewards credit card with no annual fee will surely find the Blue Cash Everyday Card from American Express as an attractive option. The card does come with several perks, including an extended 0% APR intro offer, along with a welcome bonus offer that can be redeemed when certain criteria are met. The card does fall short in some departments, such as the fact that a relatively high credit score is needed by the customer to qualify for the product. There is also a limitation in merchants accepting American Express cards, as well as a minimum applied to reward redemption, which needs to be taken into consideration.


Who this card is best for

The Blue Cash Everyday Card from American Express offers now annual fees, along with a generous bonus cashback offer on purchases made with the card. This card is also good for people who would need to conduct Balance Transfer transactions during the first few months without the need to worry about incurring further interest charges.


 

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