The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
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Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Amex Blue Cash Everyday Card review: Decent earning and no annual fee
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
also contributed to this story
February 28, 2025 • 10 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A cash-back card with no annual fee is highlighted as a strong choice for those who prefer straightforward rewards over travel points.
The card provides elevated returns at supermarkets, gas stations and online retailers, though spending caps apply to these categories.
Perks include monthly statement credits for select streaming and meal kit services, targeted offers and basic travel protections.
Ideal for students, young professionals or those with modest monthly spending who want to build credit while earning rewards.
What to consider
Bonus earning rates are capped at $6,000 per year in each major category, after which rewards decrease.
A foreign transaction fee applies to international purchases, potentially reducing value for travelers.
Eligibility for the welcome offer is subject to a one-time rule and other issuer criteria, but a pre-application tool can confirm eligibility before applying.
What you'll miss from the article
A detailed comparison of competing cash-back cards and guidance on maximizing value based on your spending habits.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Related stories
Blue Cash Everyday® Card from American Express
TPG Editor's Rating3 / 5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
3%
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).
1%
Earn 1% cash back on all other eligible purchases.
Blue Cash Everyday Card from American Express overview
The (see rates and fees) is best suited for you if you prefer cash-back rewards over travel rewards. This card may be a good fit if you aren't willing to pay an annual fee or you won't spend more than several hundred dollars on your card each month. Rating*: ⭐⭐⭐
*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Making the most of travel rewards can be a challenging endeavor — which is why many consumers lean toward cash-back credit cards. There are many options in this category, including several that have no annual fee.
One such card — the may not be the best choice for everyone, but it does offer solid returns on popular spending categories without an annual fee (see rates and fees).
3% cash back at U.S. supermarkets (up to $6,000 per calendar year, then 1%)
3% cash back at U.S. gas stations and U.S. online retail purchases (up to $6,000 for each category per calendar year, then 1%)
Access to Amex Offers
Spending cap on bonus categories
Foreign transaction fee applies on international transactions (see [termsConditions pid="22035733" overridetext="rates and fees"])
Blue Cash Everyday welcome offer
The allows you to find out your offer and see if you are eligible for as high as $200 cash back after spending $2,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
It also offers a 0% introductory APR on purchases and balance transfers for 15 months (then 19.49%-28.49% variable APR; see rates and fees).
Luckily, Amex has a welcome offer eligibility tool that will tell you whether you're eligible for the bonus — before you submit. If not being eligible to earn the bonus is a deal-breaker, you can withdraw your application before there's a hard pull on your credit.
Disney Streaming Credit: Get up to $84 annually ($7 monthly) as a statement credit for Disney Streaming purchases. Valid at DisneyPlus.com, Hulu.com or Stream.ESPN.com U.S. websites (subject to auto-renewal). Enrollment is required in advance.
Home Chef statement credit: Receive up to $180 in credits per calendar year, split up as up to $15 per month, when you pay with your Blue Cash Everyday card (subject to auto-renewal). Enrollment is required in advance. Terms apply.
Car rental insurance: You can enjoy secondary rental car insurance when paying for the rental with your card — up to $50,000 of protection against theft or damage.*
GRADYREESE/GETTY IMAGES
Global Assist Hotline: When you're more than 100 miles from home, you'll get 24/7 access to medical, legal, financial and select emergency coordination and assistance services. However, you'll be responsible for any costs charged by third-party service providers.**
Pay It® Plan It®: If you need additional flexibility when paying your credit card bill, you can use Pay It® to quickly make payments for purchases under $100 throughout the month (available through the American Express app). You can also use Plan It® for qualifying purchases of $100 or more and split them into monthly payments with a fixed monthly fee. There is no enrollment or sign-up requirement.
American Express Experiences: Amex offers cardholders access to pre-sale tickets and exclusive events.
That's a solid selection of benefits for a no-annual-fee card, best for people who can use the statement credits and things like the American Express Experiences perks.
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. **Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.
3% cash back on the first $6,000 you spend each calendar year at U.S. supermarkets (then 1%)
3% back on the first $6,000 you spend each calendar year at U.S. gas stations (then 1%)
3% back on the first $6,000 you spend each calendar year at U.S. online retailers (then 1%)
1% on all other eligible purchases
MARIA SAVENKO/SHUTTERSTOCK
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
While the spending caps might be a turnoff for some, $6,000 annually is still nothing to sneeze at, and a 3% return in broad categories like supermarkets and online retailers is solid.
The is a cash-back credit card, so the redemption process is very straightforward. You earn cash-back rewards in the form of Blue Cash reward dollars, which you can redeem for statement credits with no minimum redemption amount and redeem at Amazon.com checkout.
DOLGACHOV/GETTY IMAGES
Occasionally, American Express may offer you other ways to redeem reward dollars, such as gift cards or merchandise.
However, if given other options, ensure that your redemption rate is the same or better than redeeming for a statement credit. With statement credits, your rewards are worth one cent apiece, so you'll want to make sure any other redemption is at least that valuable.
The most natural competitors for the card are other cards earning cash back.
If you want higher earning rates on a similar card: offers 6% back at U.S. supermarkets (on up to $6,000 of purchases per year, then 1% back), 6% back on select U.S. streaming subscriptions, 3% back on transit, 3% back at U.S. gas stations and 1% back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. However, it carries a $95 annual fee ($0 introductory annual fee for the first year; see rates and fees). For more information, check out our full review of the Blue Cash Preferred card.
If you want more options for using your earnings: The (see rates and fees) has no annual fee and earns 2 points per dollar on all purchases — 1 point when you purchase and another 1 point when you pay your bill. You can cash out these points or use them with hotel and airline programs for travel. For more information, check out our full review of the Double Cash Card.
The is a great card if you want to get bonus cash back on groceries at U.S. supermarkets, gas and U.S. online shopping without an annual fee. However, the earning limits in these bonus categories might be too low to maximize your spending, so check out our guide to choosing a cash-back card for more guidance on finding the right option for you.
To be a top cash-back credit card, a card must offer an excellent rewards structure. The doesn't quite have that, but it could be a solid cash-back card for many — especially students and credit card beginners with low monthly budgets. Plus, the card has no annual fee and provides monthly statement credits that can lead to positive value year after year for current cardholders.
For rates and fees of the Blue Cash Everyday, click here. For rates and fees of the Blue Cash Preferred, click here.
