American Express Blue Cash Everyday
American Express cash back card with no annual fee. Earns 3% on US supermarkets, up to $6,000 a year, 3% on US online retail, up to $6,000 a year, 3% on US gas stations, up to $6,000 a year.
Terms read from American Express's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Foreign transaction fee
- 2.7%
- Intro APR on purchases
- 6 months
- Intro APR on balance transfers
- 6 months, 3% fee
Rewards
- 3% on US supermarkets, up to $6,000 a year
- 3% on US online retail, up to $6,000 a year
- 3% on US gas stations, up to $6,000 a year
- 1% on everything else
Earns cash back.
Credits, as counted
- Disney streaming bundle credit: $7 a month40% used
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $450 | $250 | $951 | Month 1 |
| Family | $888 | $688 | $2,263 | Month 1 |
| Frequent traveller | $927 | $727 | $2,382 | Month 1 |
Frequently asked questions
Is the American Express Blue Cash Everyday worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $888 in year 1 and $688 a year after that, after no annual fee. It pays for its fee by month 1.
What is the American Express Blue Cash Everyday welcome bonus?
$200 back after $2,000 in purchases in the first 6 months.
Does the American Express Blue Cash Everyday charge foreign transaction fees?
Yes, 2.7% of each purchase in a foreign currency.
What isn't counted in its value?
The intro APR is up to 18 months but can be as short as 6, so 6 months is counted.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.