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Blue Cash Everyday® Card from American Express Review

American Express has been a prominent member of the credit card community since it’s inception.  For years, they focused on high fee, high rewards and perks charge cards tailored to the wealthy.  Over the last decade however, American Express has made a great effort to cater to middle class income earners.  The Blue Cash Everyday® Card from American Express is their strongest offer yet for two reasons.  This card stands out with it’s cash back platform AND it charges no annual fee.

Blue Cash Everyday® Card from American Express Cash Back Rewards

The everyday rewards program for the Blue Cash Everyday® Card from American Express is as follows:

  • 3% cash back at U.S. Supermarkets (for the first $6,000 spent every year)
  • 2% cash back at U.S. select department stores and at the pump
  • 1% cash back everywhere else

Learn more about this and other cash back credit cards and apply online at CardRatings.com.

For the typical family of four, 3% cash back at the grocery store stands to be great savings.  $500 a month spent means $15 cash back.  Multiply that out across 12 months, and you’ll save $180 at the grocery store every year.  Tack on $2,000 spent on gas every year ($40 cash back) and 1% on everything else and you quickly save hundreds annually.

Tack on another $100 during year one because AMEX offers an up-front bonus!  All new cardmembers will receive a $100 statement credit after spending $1,000 in the first three months.  This is a one-time bonus and the spend hurdle of $1,000 isn’t very imposing.

Blue Cash Everyday® Pricing Details

Included with everything you see is a 0% intro APR on purchases and balance transfers for 12 months.  After the intro rate expires, the ongoing variable APR is 13.99%  – 24.99%.  The cash advance APR on the Blue Cash Everyday® Card from American Express is 26.24% variable.  The penalty APR (NEVER LET THIS HAPPEN) is 29.99% variable.  If you’re making a balance transfer, there is a 3% fee.

Most importantly and impressively, there is no annual fee.  The older brother of this card, the Blue Cash Preferred® Card from American Express carries a $95 annual fee.  It also carries and increased rewards program.  Bigger up front bonus, 6%/3%/1% rewards platform and the same pricing details.  Depending on how often you plan to you this card, you may want to consider the Preferred version and annual fee.

Additional Blue Cash Everyday® Card from American Express Perks

Extended Warranty – When you use your Blue Cash Everyday® Card from American Express to make purchases, American Express will extend your warranty.  Warranty extensions occur as follows:

  • If your warranty is less than a year, American Express will match it.
  • If your warranty is between 1 year and 5 years, American Express will add one additional year
  • If your warranty is over 5 years, American Express adds nothing.  Sorry.

In order to qualify to receive the extended warranty, your account with American Express must be in good standing.  The maximum dollar amount protection on a single purchase is $10,000 and no more than $50,000 per member per calendar year.

Accidental Damage Protection – Sometimes life sucks.  You buy a brand new computer only to accidentally drop it and crack the screen.  American Express has you covered for up to 90 days if your purchaser doesn’t cover the damage.  Same rules apply as above; you must have an account with AMEX in good standing.  The limits are also the same, $10,000 max per purchase, $50,000 max per calendar year.

ShopRunner Membership – If you’re in the mood for free 2-day shipping, then this benefit can save you a lot of wait time.  Cardmembers need to visit this link and sign-up an eligible American Express Card.  Your account and membership will always remain active so long as the card you register remains open and in good standing.

Bottom Line

Owning a cash back credit card is an essential part of a strong personal finance portfolio.  I know there are purists out there who like to pay cash for everything but to be honest, that’s foolish. Setting aside the obvious rewards benefits, a strong credit card offers protection too.  The Blue Cash Everyday® Card from American Express is one of those diamond in the rough cards that excel everywhere.  Consider it for your future purchases.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
9.4

Rewards Program

10/10

Up Front Bonus

9/10

Pricing Details

10/10

Annual Fee

10/10

Added Perks

9/10

Pros

  • Great Rewards Program
  • No Annual Fee
  • 0% Intro APR for 12 months
  • $100 Cash Back Bonus

Cons

  • Spend Limit on Grocery Cash Back
  • Low Cash Back % Elsewhere