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Credit Card Blue Cash Everyday Card From American Express Review

Blue Cash Everyday Card From American Express Review

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Blue Cash Everyday Card

Do you want to earn cash rewards on your credit card purchases without worrying about the annual fee? Then, the Blue Cash Everyday Card is for you. Just as the name implies, you can easily use this card for your everyday purchases to enjoy amazing rewards. The more you spend, the more you earn.
The credit rating required for this card is Fair to Excellent (660+). The Card has a lot of pros and a few cons as you will see below;

Blue Cash Everyday Card

The Pros

  • Generous, unlimited spending rewards.
  • Higher rewards earned on “everyday” purchases.
  • Long promotional period

The Cons

  • Fairly high APRs.


  • Firstly, 3% cash back at supermarkets
  • Secondly, 2% at U.S. gas stations and (select) U.S. department stores
  • Thirdly, 1% on all other purchases.
  • Fourthly, $100 statement credit if you make $1,000 in purchases within the first three months

Cash Everyday Card APRs

  • Firstly, 0% on purchases and balance transfers for 15 months (balances must be transferred within the first 30 days to receive the promotional rate)
  • Secondly, 12.99 to 21.99% after that, depending on your credit history.
  • Thirdly, the cash advance APR: 25.24%
  • Fourthly, penalty APR: 27.24%.


  • No annual fee.
  • Late payment fee: Up to $37.
  • Returned payment fee: Up to $37.
  • Balance transfer fee: $5 or 3% of the balance.
  • Cash advance fee: $5 or 3% of the advance.
  • Over the limit fee: None.

Cash Everyday Card from American Express Review

American Express has replaced its Blue Cash card with two new ones:

Cash Everyday Card and Cash Preferred Card.

Interestingly, the Cash Everyday Card has no annual fee but has less generous rewards than the Blue Cash Preferred Card, which has a $75 annual fee.
The original Blue Card, which Amex is no longer marketing, had several flaws, including a high spending rate in select categories. You also have to wait a full year before you get your reward, in the form of a statement credit. Amex has fixed most of those problems with these two new cards.
There are several key differences between this card and Cash Preferred. You earn only 3% at supermarkets (excluding superstores and warehouse clubs), 2% at gas stations and department stores, and 1% on all other purchases, with no limit, compared to 6%-3%-1%, respectively, on the Preferred card.

The initial spending bonus is $100 on this card, while the Preferred rewards $150 for the same spending requirements.
Rewards redemptions are the same for both cards. As soon as you earn $25 in rewards, you can redeem them for statement credits, although Amex says you can redeem them for merchandise and gift cards, at Amex’s discretion.

APRs on both cards are also the same: 0% on purchases and balance transfers for the first 15 months, then 12.99 to 21.99%, also depending on your credit.

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