Blue Cash Everyday® Card from American Express
The Blue Cash Everyday covers the three places most households actually spend: groceries, gas and online shopping, each at 3% on up to $6,000 per category per year. There is no annual fee, and a 0% intro APR for 15 months applies to purchases and balance transfers alike. Monthly Disney streaming and Home Chef credits add quiet value. Bigger grocery budgets outgrow the caps and belong on the Blue Cash Preferred.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% back at U.S. supermarkets, on U.S. online retail purchases and at U.S. gas stations, each up to $6,000 per year
- 0% intro APR for 15 months on purchases and balance transfers
- Up to $84 per year in Disney streaming credits, enrollment required
- Up to $180 per year in Home Chef meal kit credits, enrollment required
- No annual fee
- American Express purchase protections and dispute support
- Annual fee: $0
- Intro APR: 0% for 15 months on purchases and balance transfers
- Regular purchase APR after the intro period: 19.49% - 28.49% Variable
- Balance transfer APR: 19.49% - 28.49% Variable, transfers must be requested within 60 days of account opening, fee is Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Cash advance APR: 28.74% Variable
- Late payment fee: Up to $40
- Foreign transaction fee: 2.7% of each transaction after conversion to U.S. dollars
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You want grocery, gas and online shopping rewards without paying an annual fee
- Your spending per category stays near or under $6,000 per year, keeping the full 3%
- You need 15 months of 0% intro APR for a purchase or a balance transfer
- Your family already pays for Disney streaming or Home Chef, so the credits are found money
- You should skip it if your grocery bill is large, the Blue Cash Preferred's 6% rate beats this card even after its fee
Blue Cash Everyday® Card from American Express Review
The Blue Cash Everyday asks nothing, no annual fee, and answers the three most common household categories with 3% back. Its caps are the fine print that matters. This review checks whether $6,000 per category fits your budget or squeezes it.
How You Earn
Three practical 3% categories, each with its own $6,000 annual cap.
- Caps reset each calendar year
- U.S. supermarkets exclude superstores and warehouse clubs
| Category | Earn rate |
|---|---|
| U.S. supermarkets (up to $6,000 per year) | 3% |
| U.S. online retail purchases (up to $6,000 per year) | 3% |
| U.S. gas stations (up to $6,000 per year) | 3% |
| Other eligible purchases | 1% |
How You Redeem
Cash back accrues as Reward Dollars.
- Redeem for statement credits
- No minimum redemption for statement credits
Benefits and Protections
Streaming and meal kit credits are the quiet extras on a free card.
- Up to $84 Disney streaming credit per year, $7 monthly, enrollment required
- Up to $180 Home Chef credit per year, $15 monthly, enrollment required
- Purchase protections and dispute support
Who This Card Is For
Households with moderate grocery, gas and online spending that want a free, low-maintenance card. The 15 month intro APR also makes it a reasonable balance transfer landing spot. High grocery spenders should pay for the Preferred instead.
- Budget-conscious families
- Online shoppers within the cap
- Balance transfer seekers who want rewards after payoff
Comparison
| Feature | Blue Cash Everyday® Card | Citi Double Cash® Card | U.S. Bank Cash+® Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | As high as $200 back, $2,000 in 6 mo | $200 after $1,500 in 6 mo | $200 after $1,000 in 90 days |
| Rewards Rate | 3% groceries, gas, online retail, capped | 2% on everything, no caps | 5% on two chosen categories, capped |
| Intro APR | 0% for 15 months, purchases and transfers | 0% for 18 months, transfers only | 0% for 15 billing cycles, both |
| Foreign Transaction Fee | 2.7% after conversion | 3% of each transaction in U.S. dollars | See issuer terms |
| Best For | Everyday essentials | Flat-rate simplicity | Category maximizers |
Issuer Comparison
| Feature | Blue Cash Everyday® Card | Blue Cash Preferred® Card | American Express® Gold Card |
|---|---|---|---|
| Annual Fee | $0 | $0 intro for the first year, then $95 | $325 |
| Welcome Offer | As high as $200 back, $2,000 in 6 mo | As high as $300 back, $3,000 in 6 mo | As high as 100,000 pts, $8,000 in 6 mo |
| Rewards Rate | 3% groceries, gas, online retail, capped | 6% groceries and streaming, 3% gas, transit | 4X dining and U.S. supermarkets |
| Key Credits | Disney streaming, Home Chef | Disney bundle credit | Up to $424 dining, Uber, Resy, Dunkin' |
| Best For | No-fee essentials | Big grocery budgets | Dining plus points |
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