Blue Cash Everyday Card from American Express Review

The Blue Cash Everyday Card from American Express offers a simple yet powerful rewards structure, with 3% cash back on groceries, gas, and online shopping in the U.S. (up to $6,000 per year in each category) and 1% back on everything else.

Plus, you’ll get a welcome bonus of $200 after spending $2,000 in purchases on your new card within the first six months. Enjoy an introductory 0% APR on purchases for 15 months, making it an excellent option for financing more significant expenses. Remember, though, that there’s a foreign transaction fee of 2.7%, so it might not be the best choice for frequent international travelers.

Quick Highlights

• $200 welcome bonus: Earn a $200 statement credit after spending $2,000 within six months of account opening.
• No annual fee: Keep your rewards without paying a yearly price.
• Enjoy 0% interest on purchases and balance transfers for 15 months (then 19.24%–29.99% variable APR).
• Earn 3% back on groceries, gas, and online shopping (up to $6,000 yearly, then 1%).
• Redeem cash back as statement credits or for Amazon purchases.
• Get $7/month back on Disney Bundle subscriptions.
• Enjoy up to $15 monthly on Home Chef meal kits.

Rewards and Benefits

• Supercharge your grocery spending: Earn 3% back on groceries, up to $6,000 per year (then 1%).
• Shop online, earn big: Get 3% cash back on online purchases, up to $6,000 per year (then 1%).
• Fill up & save: Enjoy 3% cash back on gas, up to $6,000 per year (then 1%).
• Everyday purchases rewarded: Earn 1% cash back on everything else.

Benefits

• Car Rental Loss & Damage Insurance: Relax knowing your rental car is covered for damage or theft in most territories (exclusions apply; check details). Avoid expensive rental company waivers!
• Global Assist® Hotline: Get help with emergencies, medical referrals, and travel planning when you’re far from home.

Shop & Enjoy

• Disney Bundle Credit: Score $7 off your monthly Disney Bundle subscription (Disney+, Hulu, ESPN+), totaling $84 in savings over a year!
• Home Chef Credit: Enjoy delicious meals delivered to your door with up to $15 back per month on your Home Chef subscription.
• Shop Runner: Get free 2-day shipping from hundreds of online stores on your favorite items.
• American Express Experiences: Access exclusive ticket presales and special events in your area, from concerts to Broadway shows.

Feature and Benefits of Blue Cash Everyday Card

• Balance Transfer Offer: Move high-interest debt and save balance transfers for 60 days of opening the account.
• Purchase Protection: Shop worry-free with coverage against accidental damage and theft for up to 90 days on eligible purchases.
• Send & Split®: Send money and split bills with friends easily, avoiding standard Venmo and PayPal fees. Even earn rewards on split purchases! (Enrollment required)
• Dispute Resolution: American Express has your back in case of fraudulent or incorrect charges.
• Year-End Summary: Easily track your spending and rewards earned with a convenient annual summary. A clear picture of your spending habits from the previous year, all conveniently presented online.
• Plan It®: Spread larger purchases into manageable monthly installments with fixed fees. View your year-end summary directly in your online account or the American Express App.

Blue Cash Everyday Card Rate and Fee

• Intro Purchases APR: Enjoy 0% APR for the first 15 months
• Intro Balance Transfers APR: Get 0% APR for 15 months on transfers requested within 60 days of account opening.
• Regular APR: 19.24%-29.99% Variable.
• Plan It Fee: Up to 1.33% of each purchase moved into the plan.
• Penalty APR Applies: The Blue Cash Everyday® Card penalty APR is a higher interest rate (29.99%)
• Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater.
• Cash Advances Fee: $10 or 5% of the advance amount, whichever is greater.
• Late Payment: Up to $40
• Foreign Transaction Fee: 7% of each transaction after converting into U.S. dollars.
• Return Payment Fee: Up to $40
• Over Limit Fee: None

Redeem options

1. 1. Statement Credit

• This is the simplest and most common way to redeem your rewards. You can automatically save your Rewards Dollars as a monthly credit for any statement balance.
• This option is available by logging into your online account and navigating to the “Rewards” section.

2. 2. Redeem at Amazon

• You can link your Blue Cash Everyday Card to your Amazon account and use your reward dollars to purchase directly on Amazon.com.
• This option offers flexibility and allows you to redeem your rewards in smaller increments.
• Linking your accounts is necessary and can be done through the American Express website or app.

3. Other Redemption Options

• While unavailable for the Blue Cash Everyday® Card, American Express sometimes offers additional redemption options for other cards, such as gift cards, travel experiences, or merchandise.
• It’s worth checking the American Express website or app periodically to see if new options are available.

Eligibility Criteria

General Credit Score Range

• Suitable to Excellent: Aim for a FICO score of 670 to 850, good to excellent.
• Lower Scores: While possible, getting approved with lower scores is more challenging. Consider building your credit before applying.

Other Factors

• Payment History: Consistent on-time payments are crucial. Late payments or delinquencies can significantly hurt your chances.
• Credit Utilization: Keep your credit card balances below your limit (ideally below 30%). High utilization suggests potential overspending and could raise concerns.
• Income: Sufficient income to support your credit card payments is essential.
• Length of Credit History: A more extended credit history with responsible use is beneficial.

Blue Cash Everyday Card Online Application

• Visit the official American Express website for the Blue Cash Everyday Card.
• Click the “Apply Now” button.
• Fill out the online application form with your personal information, including your name, address, Social Security number, and employment details.
• Could you review your application and submit it?
• American Express will typically notify you of their decision within 24-72 hours.

To apply for the Blue Cash Everyday® Card from American Express, you’ll need the following information:

Personal Information

• Full Name: As it appears on your government-issued ID
• Date of Birth: To verify your age
• Social Security Number: For credit check
• Current Address: For billing and communication
• Phone Number: For contact purposes
• Email Address: To receive updates and account information

Employment Information

• Employment Status: Employed, self-employed, retired, etc.
• Employer Name: If employed
• Job Title: If employed
• Annual Income: To assess creditworthiness

Customer Service

• Customer service: 1-800-GET-A-CARD (1-800-438-2273).
• Official Website: American Express

Conclusion

The Blue Cash Everyday Card from American Express is safe to say that credit card offers a decent option for cash-back rewards on everyday purchases. The 3% cash back on groceries is one of its most vital features, especially for families or individuals who spend a significant amount on groceries each month.

The 2% cash back on gas and department store purchases is also a great perk for those who frequently make these purchases. Prominent families and frequent travelers rejoice! This card’s featured reward categories turn everyday spending into valuable rewards.

The introductory APR on purchases and balance transfers makes it ideal for financing a major purchase or consolidating debt. Take advantage of the opportunity to maximize your savings and simplify your finances.

Whatcard Recommended Credit Cards

• American Express Business Gold Card Review
• Southwest Rapid Rewards Premier Credit Card Review