| Rewards | 3% cash back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations — up to $6,000 in spending per year in each category. After you hit the $6,000 cap in each of those categories, you earn 1% cash back. 1% cash back on all other eligible purchases. |
|---|---|
| Signup Bonus | Earn a $200 statement credit after spending $2,000 in purchases within the first 6 months of card membership. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.99% (variable). |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $40 |
| Purchases APR | 19.74% – 28.74% variable. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amex Blue Cash Everyday® Card is known for its solid no-annual-fee cash-back structure, especially the 3% categories on U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. It also comes with a decent intro offer and a 0% intro APR period, which many budget-minded shoppers appreciate.
Most users say the card is “easy to use” and like that the 3% categories cover everyday spending rather than niche purchases. Many reviewers mentioned that Amex’s customer service feels more premium than you’d expect on a $0-annual-fee card.
On the flip side, cardholders often complain about the $6,000 yearly cap on the 3% categories, which resets earnings to 1% pretty quickly for bigger families. Others note that the online-shopping category can be a little confusing since not all retailers code the same way. A few users also wish the rewards were more flexible, since cash back is issued as Amex “Reward Dollars.”
Personally, I think the Blue Cash Everyday is a great fit for someone who wants reliable, no-fee cash back on core categories without tracking rotating rewards. But if you’re a heavy grocery spender or want richer perks, there are stronger options at the higher-tier level.
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