Blue Cash Everyday® Card from American Express
Basic Information
Program ID: amex-everyday
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:48
Last Scraped: 01/15/2026 05:44
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,924.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 1,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $10,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Membership Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.40%
Bonus Categories: 2x U.S. Supermarkets (up to $6,000 per year). All purchases receive 20% more points when 20 or more purchases are made in a billing period (effectively 1.2x on base spend, 2.4x on U.S. Supermarkets).
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Aer Lingus, Aeromexico, Air Canada, Air France/KLM, ANA, Avianca, British Airways, Cathay Pacific, Delta, Emirates, Etihad, Hawaiian Airlines, Iberia, JetBlue, Qantas, Singapore Airlines, Virgin Atlantic, Choice Hotels, Hilton Honors, Marriott Bonvoy.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning applicants are generally ineligible for a welcome bonus if they have ever held this specific card before. A maximum of two American Express credit card applications are permitted within any 90-day period. Eligibility typically requires a good to excellent credit score, a stable income, and meeting Amex's internal underwriting criteria.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, bust-out fraud, sudden and significant changes in spending patterns inconsistent with historical behavior, excessive credit cycling, high cumulative credit limits across Amex cards, applying for too many cards in a short period (even if within Amex's 2/90 rule but indicative of risk), defaulting on payments, or engaging in activities deemed abusive of card benefits.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
No annual fee, solid rewards for everyday spending, reliable American Express customer service, useful introductory APR offer.
Top Negative Feedback:
Lower rewards rate compared to premium cards, American Express not universally accepted by all merchants, foreign transaction fees apply.
Approval Experience Score: 88.0 / 100
Recommended Alternatives
- Blue Cash Everyday® Card from American Express
- Chase Freedom Unlimited®
- Discover it® Cash Back
Card Value Score: 72.0 / 100
Est. Annual Rewards: $145.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0