Blue Cash Everyday® Card American Express Review 2024

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The Blue Cash Everyday® Card from American Express has long been a favorite for those seeking a credit card that rewards everyday spending without an annual fee. As we move into 2024, it’s time to take a fresh look at this popular card and see how it stacks up in the current financial landscape. In this review, we’ll cover everything from its cash-back rewards and welcome offer to its interest charges and additional benefits.

Key Features of the Blue Cash Everyday® Card

  • Annual Fee: $0, making it an appealing option for those who prefer no annual fee cards.
  • Cash-Back Rewards: Earn cash back in the form of reward dollars on U.S. supermarkets, U.S. gas stations, and select U.S. online retail purchases.
  • Welcome Offer: New cardholders can enjoy a welcome bonus after meeting the spending requirements within the first months of account opening.
  • Intro APR: The card offers an introductory APR on purchases for a limited time, followed by a variable APR.

Earning Cash-Back Rewards

The Blue Cash Everyday® Card offers a straightforward rewards structure:

  • U.S. Supermarkets: Earn cash back on eligible purchases at grocery stores, up to a specified limit per calendar year.
  • U.S. Gas Stations: Earn cash back on eligible purchases at gas stations.
  • Online Shopping: Earn cash back on eligible online retail purchases.

It’s important to note that cash-back rewards are earned in the form of reward dollars, which can be redeemed for statement credits, gift cards, or merchandise.

Welcome Offer and Bonus Categories

One of the highlights of the Blue Cash Everyday® Card is its welcome offer for new cardholders. This bonus can provide a significant boost to your rewards earnings in the first year. Additionally, the card may offer bonus rewards in specific categories, such as online shopping or eligible subscriptions, providing even more opportunities to earn cash back.

Interest Charges and Fees

While the Blue Cash Everyday® Card does not have an annual fee, there are other charges to be aware of:

  • Balance Transfers: There is a fee for balance transfers, and the card may offer an intro APR for balance transfers for a limited time.
  • Foreign Transaction Fee: The card may have a foreign transaction fee, which is something to consider if you travel abroad.
  • Late Payment Fees: It’s essential to make at least the minimum payment on time to avoid late fees and potential damage to your credit score.

Additional Benefits and Perks

The Blue Cash Everyday® Card comes with a variety of American Express benefits, including:

  • Amex Offers: Card members can access exclusive offers for shopping, dining, and more.
  • Rental Loss and Damage Insurance: Coverage for rental cars when you use your card to pay for the rental.
  • Global Assist Hotline: Assistance with travel emergencies when you’re more than 100 miles from home.

Redemption Options and Limitations

Reward dollars earned with the Blue Cash Everyday® Card can be redeemed in various ways, including as a statement credit, for gift cards, or for merchandise. However, there is usually a minimum redemption amount required, and it’s important to be aware of any limitations that apply to the redemption options.

Comparing Blue Cash Everyday® to Other Cards

When considering the Blue Cash Everyday® Card, it’s helpful to compare it to other similar cards, such as the Blue Cash Preferred® Card from American Express, which offers higher cash-back rates in certain categories but comes with an annual fee. Other cards to consider might include the Chase Freedom Flex℠ or the Wells Fargo Active Cash® Card, depending on your spending habits and preferences.

Maximizing Rewards with the Blue Cash Everyday® Card

The Blue Cash Everyday® Card from American Express is designed to reward everyday spending, particularly at U.S. supermarkets and U.S. gas stations. Let’s dive into how cardholders can make the most of these rewards and other benefits.

Earning Cash Back on Everyday Purchases

  • U.S. Supermarkets: One of the standout features of the Blue Cash Everyday® Card is the cash-back rewards on purchases at grocery stores. This makes it an excellent option for those who spend a significant amount on groceries each month.
  • U.S. Gas Stations: Similarly, the card offers cash back on purchases at gas stations, providing extra savings for commuters and travelers.
  • Online Retailers: In addition to physical stores, the card rewards online shopping, making it a versatile choice for both in-store and digital purchases.

Making the Most of Additional Benefits

  • Eligible Subscriptions: The card offers a monthly statement credit for eligible subscriptions, such as the Home Chef meal kit subscription, providing value for users who enjoy convenient meal solutions.
  • Amex Offers: Cardholders can access exclusive deals and discounts through Amex Offers, adding extra savings on a variety of purchases.
  • Purchase Protection: The Amex Assurance Company provides purchase protection, offering peace of mind for your new purchases against damage or theft.

Managing Fees and Interest

  • Balance Transfer Fee: While the card offers an intro APR on balance transfers, it’s essential to be aware of the balance transfer fee and ensure that it’s a cost-effective option for consolidating debt.
  • Intro Plan Fees: For those considering a large purchase, the card’s intro plan fees can provide a way to manage payments over time without accruing interest.

Navigating the Application Process

  • Credit Score: A good credit score is typically required to qualify for the Blue Cash Everyday® Card, so it’s a good idea to check your credit before applying.
  • Application Process: The online application process is straightforward, and users of American Express’s online services can expect a seamless experience.

Leveraging the Card for Maximum Value

  • Intro APR Offer: The introductory APR offer on new purchases can help manage costs on a large purchase, providing flexibility in paying off the balance over time.
  • Cash-Back Rewards: To maximize rewards, use the card for all eligible purchases, especially in bonus categories like grocery stores and gas stations.
  • Redemption Options: Cash-back rewards can be redeemed in various forms, including statement credits, gift cards, and merchandise, offering flexibility in how you use your rewards.

The Blue Cash Everyday® Card from American Express remains a strong contender in 2024 for those looking for a no-annual-fee credit card that rewards everyday spending. With its cash-back rewards on groceries, gas, and online shopping, along with additional perks like statement credits for subscriptions and purchase protection, it offers a well-rounded package for the average consumer. As always, it’s important to consider your spending habits and financial goals to determine if this card aligns with your needs and to use it responsibly to maximize its benefits.

Is the Blue Cash Everyday® Card Right for You?

The Blue Cash Everyday® Card from American Express is a solid option for those who want a simple, no-annual-fee card that rewards everyday purchases. It’s particularly well-suited for individuals who spend a significant amount at U.S. supermarkets and gas stations and prefer cash-back rewards. However, if you’re looking for a card with more robust travel benefits or higher rewards rates in certain categories, you may want to explore other options.

In conclusion, the Blue Cash Everyday® Card remains a competitive choice in 2024 for those seeking a straightforward cash-back card with no annual fee. Its rewards structure, welcome offer, and additional benefits make it a strong contender for anyone looking to maximize their cash-back earnings on everyday purchases. As always, consider your spending habits, financial goals, and the card’s terms and conditions to determine if it’s the best fit for