Blue Cash Everyday® Card from American Express

American Express American Express Standard Pending

Back Apply Now

16

Benefits

2

Reward Categories

2x

Max Reward

19.2%

APR From
Basic Information
PENDING

Program ID: amex-everyday

Issuer: American Express

Card Name: Blue Cash Everyday® Card from American Express

Card Type: Credit

Network: American Express

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:48

Last Scraped: Jan 22, 2026 07:16

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Supermarkets 2x Points at U.S. supermarkets $6,000
General 1x Points on all other eligible purchases No Cap
Rewards Summary
PENDING

Reward Type: Membership Rewards Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x U.S. Supermarkets (up to $6,000 per year); 20% bonus on points earned when making 20 or more purchases in a billing period.

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Points do not expire as long as the account is active.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

Transfer Partners: Delta SkyMiles, British Airways Executive Club, Air France/KLM Flying Blue, Emirates Skywards, Hilton Honors, Marriott Bonvoy, Virgin Atlantic Flying Club, ANA Mileage Club

Redemption Penalties: None

Benefits & Protections (Detailed) 16 Total
PENDING
Customer Service 1
24/7 Customer Service
24/7 customer support

Get help with your account anytime, anywhere.

Financial 1
No Annual Fee
$0 annual fee

There is no annual fee for the Amex Everyday Card.

Financial Management 5
Fraud Protection
Protection against unauthorized charges

American Express uses fraud protection to help protect you from unauthorized charges. If you see a charge you don’t recognize, you can dispute it.

Pay It Plan It®
Flexible payment options

Pay It Plan It® gives you more ways to pay. Use Pay It® to select small purchases and pay them right away. Use Plan It® to split up large purchases into monthly payments with a fixed fee.

Amex® App
Mobile account management

Manage your account on the go, from virtually anywhere.

Account Alerts
Spending and payment alerts

Stay on top of your spending with alerts for purchases, payments, and more.

Free Credit Score
Free FICO® Score

Get your FICO® Score for free.

Rewards 3
Earn 2X Membership Rewards® points at U.S. supermarkets
2X points on up to $6,000 at U.S. supermarkets

Earn 2X Membership Rewards® points on the first $6,000 spent at U.S. supermarkets each calendar year. After that, earn 1X point.

Earn 1X Membership Rewards® point on other eligible purchases
1X point

Earn 1X Membership Rewards® point on all other eligible purchases.

Get 20% more points when you make 20 or more purchases in a billing period
20% more points

Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases less returns and credits.

Shopping 1
Amex Offers
Discounts and extra rewards

Get discounts and earn extra rewards on shopping, dining, travel, and more.

Shopping Protection 2
Purchase Protection
Up to 90 days protection

Purchase Protection can help protect eligible purchases made on your Card against accidental damage or theft for up to 90 days from the date of purchase.

Extended Warranty
Up to 1 additional year

When you use your Card for eligible purchases, Extended Warranty can provide up to one additional year to the original manufacturer’s warranty. Applies to warranties of 5 years or less.

Travel 2
Car Rental Loss and Damage Insurance
Coverage for damage or theft of rental vehicle

Car Rental Loss and Damage Insurance can provide coverage for damage to or theft of a rental vehicle when you use your eligible Card to reserve and pay for the entire rental and decline the optional collision damage waiver (CDW) at the rental car counter.

Global Assist® Hotline
24/7 emergency assistance

When you travel more than 100 miles from home, you can rely on the Global Assist Hotline 24/7 for medical, legal, financial or other select emergency coordination and assistance services. Card Members are responsible for the costs charged by third-party service providers.

Welcome Offer 1
Welcome Offer - Bonus Points
10,000 Membership Rewards® points

Earn 10,000 Membership Rewards® points after you use your new Card to make $2,000 in purchases within the first 6 months of Card Membership.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

10,000

Points/Miles

Requirement: Spend $1,000 in 90 days

Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 19.24% - 29.24%

Balance Transfer APR: 0%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 0 months

Promo Financing: Introductory APR

Promo Duration: 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning applicants are generally eligible for the welcome bonus only if they have not previously held the Amex Everyday card. Additionally, American Express has an application restriction of a maximum of 2 credit card approvals within a 90-day period. Eligibility typically requires excellent credit history, a stable income, and meeting Amex's internal underwriting criteria.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, rapid application for multiple cards, suspicious spending patterns inconsistent with declared income, credit cycling, failure to pay bills on time, or engaging in activities deemed abusive of Amex's rewards programs.

Cliff Effect Rules: The primary 'cliff effect' for the Amex Everyday card is the 'one welcome bonus per lifetime' rule for this specific product. While Amex has broader 'family rules' for some premium card lines (e.g., Platinum, Gold), the Everyday card's bonus eligibility is primarily tied to whether you have ever held this specific card before.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.0 / 5.0

Top Positive:
No annual fee, solid rewards for everyday spending especially groceries, good customer service, access to Amex Offers, useful for building Amex relationship.

Top Negative:
Lower reward rates compared to premium cards, foreign transaction fees, Amex acceptance can be an issue in some smaller merchants, requires 20+ transactions for bonus points.

Approval Experience: 90.0 / 100

Recommended Alternatives
  • Blue Cash Everyday Card from American Express
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0