Blue Cash Everyday® Card from American Express - Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Overview of the Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is a popular choice for those looking to earn cash back on everyday purchases without the burden of an annual fee. This card offers a straightforward rewards structure, allowing users to earn cash back on various categories such as groceries, online retail, and gas stations. With additional perks like a generous sign-up bonus and a unique statement credit for eligible subscriptions, this card is designed to provide value to its users while maintaining flexibility and ease of use.

Pros

One of the standout features of the Blue Cash Everyday® Card is its $0 annual fee, making it an attractive option for those who want to avoid yearly costs associated with credit cards. Additionally, new cardholders can earn a $200 statement credit after spending $2,000 within the first six months, providing a solid incentive for those looking to maximize their initial rewards.

The card also excels in its cash back offerings. Users can earn 3% cash back at U.S. supermarkets, online retail purchases, and U.S. gas stations on up to $6,000 spent each year in these categories, after which the rate drops to 1%. This tiered rewards system is beneficial for individuals who frequently shop in these areas, allowing them to earn more cash back on their essential purchases.

Another attractive aspect of this card is the ability to receive cash back in the form of Reward Dollars, which can be redeemed as statement credits or directly at Amazon.com checkout. This flexibility enhances the user experience, allowing for seamless redemption of rewards.

Cons

While the Blue Cash Everyday® Card offers a robust rewards structure, it does have some limitations. The 3% cash back rate is capped at $6,000 per year in each eligible category, meaning that once you reach this threshold, you'll only earn 1% on additional purchases in those categories. For heavy spenders in these areas, this cap may limit the potential cash back earnings.

Additionally, the card has specific terms and enrollment requirements for certain benefits, such as the $7 monthly statement credit for the Disney Bundle. This means that users need to be mindful of the conditions to fully reap the rewards, which could be seen as a drawback for those who prefer a more straightforward rewards program.

Why We Like This Card

• No annual fee makes it accessible for a wide range of users.
• Generous sign-up bonus of $200 after initial spending.
• Strong cash back earning potential in key spending categories.
• Flexible redemption options for rewards enhance usability.
• Beneficial for families or individuals who frequently shop at supermarkets and gas stations.

Overall, the Blue Cash Everyday® Card from American Express is an excellent choice for those looking to earn cash back on everyday expenses without incurring an annual fee. Its combination of rewards, flexibility, and user-friendly features makes it a valuable addition to any wallet.