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Blue Cash Everyday® Card from American Express

04/15/24 12:49 pm
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Disclaimer: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

 

Are you seeking a credit card that offers great cash back on everyday purchases without an annual fee? The Blue Cash Everyday® Card from American Express could be your solution, offering substantial rewards and valuable benefits for savvy spenders.

 

Overview of Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is designed for those who value simplicity and rewards in their financial tools. Here's a quick glance at what this card offers:

  • Annual Fee: $0. See rates & fees.
  • Rewards Rate: 3% Cash Back at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations on up to $6,000 per category per year, then 1%. 1% Cash Back on all other purchases 
  • Intro Offer: Earn a $200 statement credit after spending $2,000 in the first 6 months
  • Intro APR: 0% for 15 months on purchases and balance transfers
  • Regular APR: 19.24% - 29.99% Variable
  • Recommended Credit Score: Good - Excellent

 

Pros and Cons of Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express offers a balance of benefits that may suit a wide range of financial strategies, but it's not without its limitations.

Pros:

  • No Annual Fee: Maximize your savings without worrying about a yearly charge. See rates & fees.
  • High Rewards Rate: Up to 3% cash back on key spending categories like U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations on up to $6,000 per category per year.
  • Introductory APR Period: Enjoy 0% intro APR on purchases and balance transfers for the first 15 months, then 19.24% - 29.99% Variable.
  • Bonus Categories: Earn increased rewards in everyday spending categories.
  • Flexible Rewards Redemption: Redeem your cash back as a statement credit or at Amazon.com checkout.

Cons:

  • Credit Score Requirements: Only available to those with good to excellent credit.
  • Spending Caps on Bonus Rewards: 3% cash back is limited to the first $6,000 per year in selected categories, then drops to 1%.
  • Variable APR Post-Intro Period: After the introductory period, the APR could be high depending on your creditworthiness.
  • Foreign Transaction Fees: Not ideal for international use due to additional fees.

 

Everything Blue Cash Everyday® Card from American Express Can Do For You

With the Blue Cash Everyday® Card, your everyday spending not only becomes more rewarding but also easier on your wallet. Here are some examples of how you can benefit:

  • Grocery Shopping: Earn 3% back at U.S. supermarkets, up to $6,000 per year; that's up to $180 back annually. Then 1% back.
  • Fueling Up: 3% back at U.S. gas stations on purchases up to $6,000 per year, then 1%, can significantly lower your monthly fuel expenses.
  • Online Purchases: Get 3% back when shopping online up to $6,000 annually, then 1%, perfect for routine purchases or bigger investments.

 

Unique Benefits of Blue Cash Everyday® Card from American Express

This card isn’t just about cash back; it's packed with additional perks that enhance its value.

 

Stream Entertainment Services:

With the Blue Cash Everyday® Card, entertainment becomes more rewarding and less expensive. By subscribing to the Disney Bundle, which includes Disney+, Hulu, and ESPN+, you can get $7 back monthly via statement credit. 

This benefit kicks in when you spend $9.99 or more each month on these subscriptions. Imagine catching up on your favorite series or cheering for your team without worrying about the full cost—this card makes it cheaper and more enjoyable.

 

Online Shopping Rewards:

In today's digital age, shopping online has become a norm, and the Blue Cash Everyday® Card rewards you for it. Earn 3% cash back on up to $6,000 per year in U.S. online retail purchases, then 1%. Whether you're updating your wardrobe, buying the latest gadgets, or stocking up on household essentials, this card helps you save significantly. 

 

Fuel Savings:

The price at the pump can fluctuate, making budgeting for gas a challenging task. With this card, you'll receive 3% cash back at U.S. gas stations for up to $6,000 per year, then 1%. This benefit is ideal for commuters or anyone who travels frequently by car. 

For example, suppose you spend $100 on gas. In that case, you get $3 back—over time, this adds up to a considerable amount, providing real savings that you can redirect towards other financial goals or leisure activities.

 

Things to Look Out For

While the Blue Cash Everyday® Card from American Express offers many benefits, it's not for everyone. Consider these points:

  • High APR After Intro Period: If you tend to carry a balance, the variable APR could be costly.
  • Spending Caps: The benefits diminish significantly after the initial $6,000 spent in bonus categories each year.
  • Credit Requirements: Not suitable for those with a credit score below good.

 

Conclusion

The Blue Cash Everyday® Card from American Express stands out as a practical choice for those who spend regularly at supermarkets, gas stations, and online shopping, offering impressive cash back rewards without an annual fee. However, its benefits are best enjoyed by those who can manage their balance well to avoid high APRs after the introductory period. See rates & fees.

  

Learn more to see if the Blue Cash Everyday® Card from American Express fits your financial lifestyle.

 

Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.



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