Amex Blue Cash Everyday Credit Card Review
Key Takeaways
Blue Cash Everyday is a no‑annual‑fee cash‑back card with better perks than most $0‑fee competitors — but its $200 sign‑up bonus and limited flexibility make it hard to justify over higher‑value travel‑rewards cards that count against your Chase 5/24 slots. Unless you need cash back in this card’s specific categories and have already locked in more lucrative options, you can safely pass.
Why This Card Could Be Right For You
If you prefer simple, low‑maintenance cash back, Blue Cash Everyday can still add value. Spend $2,000 in the first six months to earn a $200 sign‑up bonus, then collect 3 % back at U.S. supermarkets, U.S. online retailers, and U.S. gas stations (up to $6,000 per category each year) and 1 % everywhere else — without paying an annual fee.
- Ongoing credits: up to $7 per month for an eligible Disney+ bundle and up to $15 per month for Home Chef meal kits (a combined potential $264 yearly).
- Extra protection: secondary car‑rental loss‑and‑damage coverage when you charge the rental to this card.
When The Usual Advice Doesn't Apply
Skip this card if you:
- Want points that transfer to airlines or hotels. This card’s rewards are statement credits only.
- Focus on free travel above all else; the card’s only travel‑related perk is rental‑car coverage.
How The Amex Blue Cash Everyday Credit Card Fits In The Cash in Cents Ecosystem
Amex’s two consumer cash‑back cards:
- Amex Blue Cash Everyday: No annual fee, $200 bonus, 3 % categories listed above.
- Amex Blue Cash Preferred: $95 annual fee (waived year 1), $250 bonus, 6 % back at U.S. supermarkets (up to $6,000), 3 % back on transit and U.S. gas, same Disney+ credit.
Neither card earns transferable travel points. If travel rewards are your priority, consider Amex’s Membership Rewards cards instead:
- Amex Green: 40,000‑point bonus; $150 annual fee largely offset by a $199 Clear Plus credit.
- Amex Gold Card: 60,000‑point bonus; $325 annual fee; rich grocery and restaurant multipliers plus dining and Uber credits.
- Platinum Card: 80,000-point bonus; $695 annual fee; extensive airline, hotel, and lifestyle credits along with premium travel perks.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 20,000 | $2,000 | 1.0 ¢ | $0 | $0 |
$220
|
Spend Categories
1X points
1¢ Per Dollar Spent
3X points
3¢ Per Dollar Spent
3X points
3¢ Per Dollar Spent
3X points
3¢ Per Dollar Spent
Card Benefits
Up to $15 in monthly when a Card on the Card Account is used to purchase a Home Chef meal kit & $7 back monthly after spending $9.99+ each month on an eligible auto-renewing subscription to the Disney Bundle.
Enjoy up to 1 additional year on the original manufacturer’s warranties of 5 years or less.
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System Cash in Cents
Transfers In From
1:1 71% value retained
1:1 100% value retained
1:1 91% value retained
1:1 63% value retained
1:1 91% value retained
1:1 71% value retained
