Blue Cash Everyday®: 3% Cashback on Groceries, Gas, and Online Shopping
Earn 3% cashback on everyday spending – including U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations – on up to $6,000 per year in each category, worth up to ~$540 annually in rewards.
The Bottom Line
4.1
BIG4CREDIT RANKING
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Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Blue Cash Everyday® is a great no-annual-fee card for everyday spending, especially if you want extra cashback on groceries, gas, and online shopping. It’s easy to use and doesn’t require tracking rotating categories or managing complex rewards. The card works well as a long-term, low-maintenance option for daily purchases. However, the rewards are moderate, so heavy spenders may get more value from a card with higher rates and an annual fee. If you want simple, reliable cashback with no commitment, this card is a solid choice.
Blue Cash Everyday®
Apply now
On 's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.49% - 28.49% Variable APR
Buy Now, Pay Later Split eligible purchases of $100 or more into equal monthly installments with a fixed fee. Simply select the purchase in your online account or the American Express® App, and you’ll continue to earn rewards on your purchases as usual.
Plan it®
Credit Score
670-850 (Good/Excellent)
Rewards Earn 3% cashback on up to $6,000 per calendar year in each of the following categories: U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations. Plus, earn 1% on all other eligible purchases.
1% - 3% Cashback
Welcome Offer Earn a $200 bonus after spending $2,000 in the first six months.
$200
Welcome Offer
- Earn a $200 bonus after spending $2,000 in the first six months.
Rewards
- 3% Cashback on up to $6,000 per year in each of the following categories:
- U.S. Supermarkets
- U.S. Online Retail Purchases
- U.S. Gas Stations
- 1% Cashback on all other purchases.
Redemption Options
- Redeem cashback as a statement credit or use it at Amazon.com checkout.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
- Regular APR: After the introductory period, a variable APR of 19.49% - 28.49% applies to purchases and balance transfers.
- Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 2.7% of each purchase transaction in U.S. dollars.
Statement Credits
- $84 Disney Streaming Credit: If you already pay for Disney+, Hulu, or ESPN+, this credit can cover up to $84 per year in streaming costs.
Travel Protections
- Car Rental Coverage (secondary): Provides reimbursement for theft and collision damage when you decline the rental company’s coverage and pay for the rental in full with your card. Coverage is secondary in the U.S. to your personal insurance.
Travel & Emergency Assistance
- Global Assist® Hotline: Provides 24/7 assistance while traveling more than 100 miles from home, including help with medical, legal, and travel emergencies. This service helps connect you to local resources, but you are responsible for any costs charged by third-party providers.
Purchase Protections
- Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $1,000 per claim and $50,000 per year.
Convenience Features
- Send & Split®: If you often split purchases with friends or family, Send & Split® lets you request repayments through Venmo or PayPal directly from the Amex app while still earning rewards on the full purchase. Repayments are applied as statement credits. Enrollment required.
- Additional Cards: Adding authorized users lets you earn cashback on their purchases at the same rates, helping households or couples pool spending and earn rewards faster. Additional cards are free and earn rewards just like the primary card.
Nice Extras
- Amex Ticket Access: Get early access to select event tickets through Amex Presale Tickets® and Reserved Tickets®, including concerts, sports, and more.
Shopping & Savings
- Amex Offers: Amex Offers lets you add targeted merchant discounts to your card and earn statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability. Enrollment required.
Buy Now, Pay Later Options
- Plan It®: Plan It® lets you split eligible purchases of $100 or more into equal monthly installments with a fixed fee while still earning rewards on the original purchase.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
Related Card Options
- Blue Cash Preferred®: higher grocery rewards (up to 6% back) if your spending can justify the annual fee. 👉 Check Blue Cash Preferred® Card details before you decide.
EarnSmart Rewards Strategy
- Active Cash®: Earn unlimited 2% cashback on all purchases, providing a strong baseline for spending outside Blue Cash Everyday® bonus categories. 👉 Learn more about Active Cash®.
- Custom Cash®: Earn 5% cashback on your top eligible spending category each billing cycle (up to the cap), helping boost rewards beyond Blue Cash Everyday®’s capped categories. 👉 Learn more about Custom Cash®.