The Blue Cash Everyday earns 3.0X on groceries, 3.0X on online_shopping, 3.0X on gas, 1.0X on all_purchases with a $0 annual fee.
Our Verdict
The Blue Cash Everyday is a cashback rewards card from American Express that carries a no annual fee on the visa network. At its core it earns 1.0X cash back on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Cash-back seekers will appreciate the simplicity — every dollar spent converts directly to statement credits or deposits with no points math required. The Blue Cash Everyday is best suited for cardholders who prioritize easy redemptions over maximum aspirational value.
With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
Apply for the Blue Cash Everyday →Rewards Structure
Fee Analysis
The Blue Cash Everyday has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Grocery | 5411 Grocery Stores, Supermarkets | 3x | 99 Ranch Market, Acme Markets, Albertsons, Albertsons - Albuquerque |
| Grocery | 5422 Meat Provisioners – Freezer and Locker | 3x | Kansas City Steaks, Omaha Steaks, Snake River Farms, SteakEz |
| Grocery | 5441 Candy, Nut, and Confectionery Stores | 3x | Fannie May, Godiva Chocolatier, Jelly Belly, Pepperidge Farm |
| Grocery | 5451 Dairy Products Stores | 3x | Kemps, Oberweis Dairy, Organic Valley, Stonyfield Farm |
| Online-Shopping | 5999 Miscellaneous and Specialty Retail Stores | 3x | AliExpress, Amazon, Amazon.com, Boxed |
| Streaming | 4899 Cable and other pay television (previously Cable Services) | 3x | Acorn TV, Amazon Prime Video, AMC+, Apple TV+ |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Strengths and Weaknesses
Strengths
- 3X top earn rate on bonus categories
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
- High variable APR up to 29.99%
How to Apply
You can apply for the Blue Cash Everyday directly through American Express's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on American Express's website — a pre-approval uses a soft pull and does not affect your credit score.