American Express
Blue Cash Everyday Card
Estimated value every year on typical spending
$480/ year
Every year, after the annual fee. Year one adds a $200 welcome bonus: $680
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the American Express Blue Cash Everyday Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $480 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
The fine print
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.74% to 28.74% variable
- Foreign fee
- 2.7%
- Top perk
- $84 Disney Streaming Credit
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 3% cash back on eligible purchases at U.S. supermarkets, U.S. online retail purchases, and gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%)
Sign-up bonus
$200 Cash Back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
Best for
- Big spenders on groceries
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 15 months
- Regular APR
- 19.74% to 28.74% variable
- Balance transfer fee
- Fees apply.
- $500/mo on groceries earns about $180/year (3%).
- $1200/mo on everyday spending earns about $144/year (1%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Blue Cash Everyday Card: questions people ask
Is the American Express Blue Cash Everyday Card worth it?
With no annual fee, the American Express Blue Cash Everyday Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $480 a year on typical spending. The welcome bonus adds roughly $200 in the first year.
What is the American Express Blue Cash Everyday Card annual fee?
The American Express Blue Cash Everyday Card has no annual fee ($0).
What is the American Express Blue Cash Everyday Card welcome bonus?
As High As $200 Cash Back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the American Express Blue Cash Everyday Card earn?
3% cash back on eligible purchases at U.S. supermarkets, U.S. online retail purchases, and gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%).
What credit score do you need for the American Express Blue Cash Everyday Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the American Express Blue Cash Everyday Card charge foreign transaction fees?
Yes: 2.7%.
Does the American Express Blue Cash Everyday Card have a 0% intro APR?
0% for the first 15 months. After that the regular APR is 19.74% to 28.74% variable.
Compare Blue Cash Everyday Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.