Amex blue cash everyday credit score

Amex blue cash everyday credit score

Supermarkets and on other

everyday purchases with the

Blue Cash Everyday® Card from American Express. ‡

Cash Back is received in the form of Reward Dollars that can be

redeemed as a statement credit.

at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) ‡

at U.S. gas stations ‡

at select U.S. department stores ‡

on other purchases. Terms and limitations apply. ‡ Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Fall for Friendsgiving with Easy Recipes and DIY Projects

Need inspiration for Friendsgiving? Check out these videos for simple (yet epic) ideas. Then earn Cash Back with the Blue Cash Everyday ® Card from American Express.

to the service and security of American Express Membership.

Sometimes the unexpected happens. But when you use your Card for eligible purchases, it’s nice to know that theft and accidental damage can be covered by Purchase Protection ? . 1

1 Up to 90 days and $1,000 per occurrence, $50,000 per calendar year.

You’re backed by Fraud Protection. When you use your American Express Card you won’t be responsible for fraudulent charges. We will work with you to resolve the issues.

No worries. If you try to return an eligible item purchased with your Card within 90 days from the date of purchase and the merchant won’t take it back, Return Protection ‡ may provide a refund.

Limited to $300 per item and $1,000 per calendar year. Purchases must be made in the U.S. and its territories.

Stranded on the Side of the Road?

With the Roadside Assistance Hotline ‡ you can get emergency services like towing, changing a flat or boosting a battery in the U.S., Canada, Puerto Rico and USVI. Third-party service costs are your responsibility. There are some vehicle and road exclusions.

Why is it that as soon as a manufacturer’s warranty runs out, something always seems to happen? With Extended Warranty ? , the length of your warranty can be matched for up to 1 additional year when you use your American Express ® Card for eligible purchases, that come with an original U.S. manufacturer’s warranty of 5 years or less. 2

2 Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.

? Underwritten by AMEX Assurance Co. Phoenix, AZ and Tokio Marine Pacific Ins. Ltd., Hagatna, Guam

Blue Cash Everyday Card from American Express

Verdict: Blue Cash Everyday® is one of our favorite overall cash back rewards credit cards, especially when trying to earn rewards on gas and groceries.

Should I Choose Blue Cash Preferred Instead?

The Blue Cash Preferred Card offers greater cash back on groceries (with the same $6,000 cap). So, if you spend at least $3,167 per year in groceries, you will earn enough additional cash back rewards to justify the current (2018) $95 annual fee for Preferred version.

Key Features & Benefits

Blue Cash Rewards Program Overview

The Blue Cash rebate system is actually pretty simple because there are no rotating categories. If you spend a lot on gas, groceries and clothing (most normal human beings do), this card has a fantastic rewards program.

Shortcomings of Rewards Program

Interest Rate, Fees & Other Fine Print

There is no annual fee with this card. Also, you may add additional people to your account at no cost to increase your cash back rewards. However, the card comes with late-payment and returned-payment fees of up to $38, as well as a foreign transaction fee. Overall, the fees are a bit high on this card - and can easily wipe out any rewards you earn.

If you occasionally miss payments, you may want to consider the Discover it card, which has no late fee on your first late payment and no penalty APR to worry about. The Blue Cash card does have a foreign transaction fee as well, unlike the Discover it card, if you do a significant amount of shopping outside of the United States.

How Blue Cash Compares to Other Cash Back Rewards Cards

Our Guide to Cash Back cards provides some nice tables and tips on choosing which cash back card will maximize your rewards. We suggest you check out that article. Or you can read on to get the highlights.

Blue Cash Everyday vs. Blue Cash Preferred

The Blue Cash Preferred is similar to the American Express Blue Cash Everyday card, except for these few key differences:

Thus, the Blue Cash Preferred Card makes more sense for bigger spenders, as their extra rewards will negate the annual fee. A simple test is to see if you spend at least $3,100 per year on groceries. If you do, you will earn sufficient additional cash back to justify the Preferred card's annual fee.

Blue Cash Versus Rotating Category Credit Cards

Unlike the Blue Cash card, many credit cards offer cash back on a rotating basis. The most popular are the Discover it and the Chase Freedom cards.

The categories that offer cash back rewards change every quarter. One quarter may have rewards for gasoline and travel and the next may have rewards for other items such as groceries and home improvement.

For savvy consumers, there is very little difference between each type of card. However, the credit card companies are banking on the hope that you not only spend in approved categories, but also spend on others.

If you are able to always stay on top of which categories are approved for bonus cash back, then this issue should not be a major deciding factor in determining which card is for you.

However, you can simply eliminate the risk of spending outside of approved categories by going with a card like the Blue Cash card. As the categories do not change on a quarterly basis, you’ll know what you will and will not get cash back on.

Just imagine if you purchased a $1,000 vacation a day too late on a card with rotating categories? You’d lose out on some money that you were counting on. Essentially, if you are not certain that you will keep up with rotating categories, it is best to go with a card like the Blue Cash card. The AmEx Blue Cash card will also be a better bet if you always want higher rewards for groceries and gas.

We highly recommend this excellent cash back rewards card.

Overall, Blue Cash Everyday Card from American Express is a great card for people who are looking to get cash rebates on every day purchases such as clothing, gas, and food.

The useful features such as the Buyers Assurance Plan and Return Protection are an added bonus, however they are really just icing on an already great cake. If you want high rewards for gas, groceries and clothing, the Blue Cash Everyday card is hard to beat, especially with no annual fee and a great sign-up bonus.

American Express EveryDay vs. Blue Cash Everyday

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of card offers.

If you’re an avid cook or live in a big household with a lot of mouths to feed, then your grocery bill is almost certainly one of your biggest monthly expenses. That presents a big opportunity if you’re looking for ways to maximize your spending. If you’re willing to use a card for all or most of your grocery spending, then you could amass a substantial amount of rewards just by stocking your refrigerator.

American Express offers some of the best grocery-centric rewards bonuses around. But if you’re not sure which American Express card to choose, it’s a good idea to think through how you plan to use it. For cardholders who want a well-rounded grocery card, but don’t want to pay an annual fee, both the American Express EveryDay card and the American Express Blue Cash Everyday card offer a solid amount of value. But for most cardholders, the Blue Cash Everyday card is, by far, the best choice. Here’s why:

If you want to earn as much as possible without paying an annual fee and don’t mind being rewarded in cash back rather than membership rewards, the Blue Cash Everyday card is much more rewarding. With this card, you not only get 3 percent cash back for every dollar you spend on groceries (up to $6,000), you also get an unlimited 2 percent cash back on gas and department store purchases and 1 percent cash back on everything else. That can add up quickly if you use your Blue Cash card every time you need to restock your closet or kitchen or fill up on gas.

Here’s what else we found when comparing the two cards:

The Amex EveryDay® Credit Card vs. Blue Cash Everyday® Card from American Express

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We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

Don’t let their names fool you. Sure, The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express come from the same card issuer. And, sure, both emphasize everyday spending and offer attractive rewards for U.S. supermarket shopping. But look a bit closer and you’ll see that these are two different breeds of card.

A key difference between the two is the type of rewards they offer. The Amex EveryDay® Credit Card from American Express dispenses rewards in the form of Membership Rewards® points, while the Blue Cash Everyday® Card from American Express offers cash back in the form of reward dollars that can be redeemed for statement credits.

Want to compare more rewards cards? Shop now

Still confused about which card to choose? Don’t worry. We dug deeper and found that the cash back from the Blue Cash Everyday® Card from American Express usually offers more value than the Membership Rewards® points from The Amex EveryDay® Credit Card from American Express. We’ll explain why in a moment, but first, let’s check out the head-to-head specs.

At a glance: The Amex EveryDay® Credit Card from American Express vs. Blue Cash Everyday® Card from American Express

Use card at least 20 times on purchases in a billing period and earn 20 percent more points on those purchases less returns and credits

Access to presale or exclusive entertainment tickets

Access to presale or exclusive entertainment tickets

The winner: Why we prefer the Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

From cardholders in the last year

14.49% - 25.49%* Variable

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Everyday® Card from American Express
  • Terms Apply.

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Not everybody loves math, but we do (at least when it comes to credit cards). We crunched the numbers and found that the Blue Cash Everyday® Card from American Express often adds up to a better value thanThe Amex EveryDay® Credit Card from American Express. Let’s break it down by category.

The Blue Cash Everyday® Card from American Express really sets itself apart from The Amex EveryDay® Credit Card from American Express when it comes to grocery shopping.

Each Membership Rewards® point you’ll earn withThe Amex EveryDay® Credit Card from American Express is worth up to 1 cent, and you’ll earn two points for each dollar you spend at eligible U.S. supermarkets (on up to $6,000 per year).

That’s pretty good, but with the Blue Cash Everyday® Card from American Express, you’ll get 3 percent cash back per dollar spent at eligible U.S. supermarkets (on up to $6,000 per year, then 1 percent).

If you factor in the 20 percent more points you’ll get if you use The Amex EveryDay® Credit Card from American Express 20 or more times in a billing period, the Blue Cash Everyday® Card from American Express still wins in the grocery department.

Say you spend $500 a month on groceries. With The Amex EveryDay® Credit Card from American Express, you’ll earn 1,000 Membership Rewards® plus an additional 200 with the bonus, for a total of 1,200 (up to a $12 value).

With the Blue Cash Everyday® Card from American Express, you’ll earn $15 cash back on the same spend.

Let’s look at a couple of other spending categories. At U.S. gas stations and select U.S. department stores, you’ll earn 2 percent cash back with purchases made with the Blue Cash Everyday® Card from American Express, which works out to 2 cents per dollar spent.

With The Amex EveryDay® Credit Card from American Express, you’ll earn one Membership Rewards® point for each dollar spent, with each point worth up to 1 cent. In this scenario, the Blue Cash Everyday® Card from American Express again emerges as the clear winner.

If you compute the value of the welcome offer for The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express, the Blue Cash Everyday® Card from American Express comes out slightly ahead.

With The Amex EveryDay® Credit Card from American Express, you’ll get 10,000 Membership Rewards® points if you spend $1,000 in purchases within three months of account opening. With points valued at up to 1 cent each, that welcome offer is worth up to $100.

With the Blue Cash Everyday® Card from American Express, on the other hand, you’ll get a $150 statement credit after spending $1,000 in purchases within three months of account opening.

We’d go with the Blue Cash Everyday® Card from American Express. Remember: Membership Rewards® points are worth up to 1 cent each, depending on how you redeem them. We’d rather take the easier path and go with the $150 statement credit.

In The Amex EveryDay® Credit Card from American Express‘s favor is this: If you use the card at least 20 times on purchases during one billing period, you’ll collect 20 percent more points on those purchases less returns and credits.

American Express Blue Cash Everyday

Tell Us About Your Blue Cash Everyday® Card from American Express

Existing cards: Amazon Store Card ($1000), Discover IT Student ($500), Chase Freedom ($2000).

This is my highest limit card.

I am a student. So think though my score looks good, the limit is low because I have no income.

Length of Credit history: 1 year

Amex pulled EX in my case.I was approved for $5000.

Approved for $1000.

I have over 20 year history

I got approved for $20000.

I have the Amex Everyday ($10k). Got approved for $10k with this card.

Was approved for $5k.

Approved for $2500, but CLI to $5000 after I activated!

Approved for $2500, but CLI to $5000 after I activated!

approved for $10k instantly.

approved for $1000. I just graduated, which is why I think my limits are lower.

Never thought I would be approved. but I was.

I was quite surprised at my limit (to be honest). Thought that I would just get maybe $2k limit or so. Looking to using my card at the pump and at the groceries.

Cards: 1 Capital One

I applied and got instantly approved for $1.5k.

Collections: 1 - $2000

Got approved for $2500. On the same day, I applied for Chase slate and also got approved for $4000.

Tell Us About Your Blue Cash Everyday® Card from American Express



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