American Express Blue Cash Everyday - Find Me a Card

American Express Blue Cash Everyday

A great no annual fee cash back card for groceries, gas, and online retail purchases (3% cash back), with a $200 welcome bonus.

Your total savings: $2,090 over the next 5 years

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Credit Score Required:
Average (670-739)
American Express
American Express

Rewards & Perks

Reward Highlights

  • $200 welcome bonus (after spending $2,000 in the first 6 months).
  • 3% cash back on groceries, gas, and online retail purchases (for up to $6K spent per each of those categories) and 1% on everything else.

Other Rewards & Perks

  • Global Assist Hotline: When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial, or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more.
  • American Express Experiences: Get access to concert, theater, and special event tickets before they go on sale to the public.
  • Pay It or Plan It: Two different options to pay down your balance. Take advantage of the "Pay It" option to pay small purchase amounts (under $100), or you can "Plan It" to split up large purchases ($100 or more) with a fixed fee.
  • Other perks include: Fraud protection and car rental loss and damage insurance.
  • The Disney Bundle: Receive $7 back each month (up to $84 back annually) after spending $13.99 or more each month on an eligible subscription to The Disney Bundle which includes Disney+, Hulu, and ESPN+ using your Card. (Enrollment required.)
  • $180 Home Chef Credit: Receive up to $15 per month in statement credits when you purchase Home Chef meal solutions online with your enrolled Blue Cash Everyday® Card. (Shipping available in the contiguous US only.)

Special Signup (Promo) Rewards & Perks

  • $200 welcome bonus (after spending $2,000 in the first 6 months).
  • 0% APR on purchases and BTs for the first 15 months.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 13.99-23.99% (but 0% for the first 15 months).
  • Foreign transaction fee: 2.7%

Annual Fee: $0

Interest Rate (“Purchase APR”): 13.99-23.99% (0% for the first 15 months)

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Foreign Transaction Fee: 2.7%

Penalty APR: 29.24%

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Other Info

Date Introduced: 2011-04-27

Date Last Updated: 2022-07-16

Notes & Fine Print

Plan Fee (Fixed Finance Charge): 0% introductory plan fee on each purchase moved into a plan during the first 15 months. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

Summary of Penalty Conditions

This APR will vary with the market based on the Prime Rate. This APR may be applied to new transactions on your account if: 1) you make one or more late payments; or 2) your payment is returned by your bank How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.

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