Blue Cash Everyday® Card from American Express
Basic Information
Program ID: blue-cash-everyday
Issuer: American Express
Card Type: Credit
Network: American Express
Card Tier: Standard
Data Complete: Yes
Created: 01/06/2026 04:42
Last Scraped: 01/15/2026 05:22
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater |
| 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: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $2,000.00
Time Period: 180 days
Bonus Timing: Statement credit typically posts to your account 8-12 weeks after you meet the spending requirement, but often much sooner (within a few days of the statement closing after the requirement is met).
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.03%
Bonus Categories: 3% U.S. Supermarkets (on up to $6,000 in purchases per year), 3% U.S. Gas Stations (on up to $6,000 in purchases per year), 3% U.S. Online Retail Purchases (on up to $6,000 in purchases per year)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Cash back does not expire as long as the account is active and in good standing.
Transfer Partners: Not Applicable (Cash Back Card)
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 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Based on current American Express policy, projected for 2026: Applicants must be 18 years or older, have a valid SSN or ITIN, be a U.S. resident, and possess a good to excellent credit history. The 'Lifetime bonus rule' dictates one welcome bonus per card product per lifetime. The '2/90 rule' limits applicants to a maximum of 2 credit card applications within a 90-day period. Amex may also consider the number of existing Amex cards and recent credit inquiries.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3-6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Amex cards, abuse of welcome offers/referrals, excessive credit seeking (especially after approval), rapid spending on new cards followed by inactivity, suspicious spending patterns inconsistent with income, payment defaults or bounced payments, frequent product changes or downgrades.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
No annual fee, strong cashback rates on everyday essentials like groceries and gas, simple rewards structure, and a solid welcome offer.
Top Negative Feedback:
Lower cashback rates compared to its premium counterpart (Blue Cash Preferred), foreign transaction fees, and Amex acceptance can be limited in some international locations.
Approval Experience Score: 88.5 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 82.0 / 100
Est. Annual Rewards: $300.00
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: 80.0%
Terms Version Control
Version ID: v1.0