Blue Cash Everyday® Card from American Express
American Express American Express Standard Pending
16
Benefits4
Reward Categories3x
Max Reward19.2%
APR FromBasic Information
PENDINGProgram ID: blue-cash-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
Rewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| U.S. Online Retail Purchases | 3x | Cash Back | Earn 3% Cash Back on U.S. online retail purchases. | $6,000 | |
| U.S. Gas Stations | 3x | Cash Back | Earn 3% Cash Back at U.S. gas stations. | $6,000 | |
| U.S. Supermarkets | 3x | Cash Back | Earn 3% Cash Back at U.S. supermarkets. | $6,000 | |
| Other Eligible Purchases | 1x | Cash Back | Earn 1% Cash Back on other eligible purchases. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 0.01x
Bonus Rate: 0.03x
Categories: 3% U.S. Supermarkets (up to $6,000 per year, then 1%), 3% U.S. Gas Stations (up to $6,000 per year, then 1%), 3% U.S. Online Retail Purchases (up to $6,000 per year, then 1%)
Quarterly Rotating: No
Cap Amount: $6,000.00
Expiration Policy: Cash back does not expire as long as your account is active.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: N/A (Cash back cannot be transferred to partners)
Redemption Penalties: None
Benefits & Protections (Detailed) 16 Total
PENDINGCash Back Rewards 4
Cash Back on U.S. Supermarkets
3% cash back (up to $6,000 spent annually)Earn 3% cash back on purchases at U.S. supermarkets (on up to $6,000 spent annually, then 1%).
Cash Back on U.S. Online Retail Purchases
3% cash back (up to $6,000 spent annually)Earn 3% cash back on purchases at U.S. online retail purchases (on up to $6,000 spent annually, then 1%).
Cash Back on U.S. Gas Stations
3% cash back (up to $6,000 spent annually)Earn 3% cash back on purchases at U.S. gas stations (on up to $6,000 spent annually, then 1%).
Cash Back on Other Eligible Purchases
1% cash backEarn 1% cash back on other eligible purchases.
Customer Service 1
Global Assist Hotline
24/7 travel assistanceFor coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.
Entertainment & Experiences 1
American Express Experiences
Access to presale tickets and exclusive eventsAccess to presale tickets and exclusive events.
Extended Warranty 1
Extended Warranty
Up to 1 additional year, $10,000 per item, $50,000 annuallyWhen 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. Coverage is limited to the actual amount charged to your Card for the item up to $10,000 per item, with a maximum of $50,000 per Card Member account per calendar year.
Financial Management 3
No Annual Fee
No annual feeThere is no annual fee for this card.
Pay It Plan It®
Flexible payment optionsPay It® allows you to make small purchases, under $100, and pay them right away. Plan It® allows you to split up purchases of $100 or more into monthly installments with a fixed fee.
Send & Split®
Send and split money with no Amex feesSend money to any Venmo or PayPal user from the Amex App and split purchases with other Amex Card Members, with no Amex fees.
Purchase Protection 1
Purchase Protection
Up to $1,000 per occurrence, $50,000 annuallyPurchase 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. Coverage is limited to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Security & Fraud 1
Fraud Protection
No liability for fraudulent chargesAmerican Express helps protect you from fraud. If you're a victim of fraud, you are not held responsible for fraudulent charges.
Shopping Benefits 2
Amex Offers
Discounts and extra rewardsGet discounts and earn extra rewards on shopping, dining, travel, and more with Amex Offers.
ShopRunner Membership
Free 2-day shipping and returnsEnroll to get free 2-day shipping on eligible items and free returns at over 100 online stores.
Travel Protection 1
Car Rental Loss and Damage Insurance
Secondary coverage for rental car damage/theftCar 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) offered by the rental company. This is not a primary insurance policy.
Welcome Offer 1
Welcome Offer Statement Credit
$200 statement creditEarn a $200 statement credit after you spend $2,000 in purchases on your new Card in the first 6 months.
Benefits Summary (Flags)
PENDINGExtended 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
Sign-Up Bonus
PENDING$200
Cash BackRequirement: Spend $2,000 in 180 days
Timing: Statement credits typically post to your account within 8-12 weeks after you meet the spending requirement, but often appear sooner.
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: | 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 & APR
PENDINGStandard APR
Purchase APR: 19.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants for the Blue Cash Everyday card must be 18 years or older, a US resident with a valid SSN or ITIN, and possess a good to excellent credit history. American Express strictly enforces a 'one welcome bonus per card per lifetime' rule, meaning you are eligible for the welcome offer for the Blue Cash Everyday card only once. Application velocity rules include a maximum of 2 credit card approvals within a 90-day period, and generally, no more than 1 credit card approval within a 5-day period. Amex may also consider overall credit exposure and recent application history across all Amex products.
Max Cards Per Issuer: 5
Min Spend Interval: 6 months
Cliff Effect Rules: The primary 'cliff effect' for American Express is the 'one welcome bonus per card per lifetime' rule, which prevents earning a bonus on the Blue Cash Everyday card if you have ever received a bonus for this specific product before. While there isn't a direct 'cliff' preventing a bonus on Blue Cash Preferred if you've had Everyday (or vice-versa, unless specific offer terms state otherwise), the lifetime rule is strictly enforced per unique product.
Holiday Promos: American Express frequently runs general spending offers and targeted promotions, especially during Q4 (holiday shopping season) and sometimes Q1 (post-holiday sales), as well as their annual 'Shop Small' campaign.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.1 / 5.0
Top Positive:
Excellent no-annual-fee cash back on groceries, gas, and online retail purchases; strong Amex customer service and benefits.
Top Negative:
Lower cash back caps compared to premium cards; 1% on general spending; foreign transaction fees.
Approval Experience: 88.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 78.0 / 100
Est. Annual Rewards: $348.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0