Everyone wants the status that comes with an Amex Gold or Platinum card, but are they really the best suited cards for your needs? While they hold prestigious and luxurious benefits, they also have high annual fees, while other cards have no annual fees and offer just as much, if not more, depending on what you need, of course.

---

Blue Cash Everyday® Card from American Express: A Smart Cash Back Choice

Introduction to the Blue Cash Everyday® Card from American Express

The Blue Cash Everyday® Card from American Express is an excellent cash-back credit card for everyday spending. With no annual fee and solid rewards on essential categories, this card is perfect for those who want to earn cash back on their grocery, gas, and online purchases without the hassle of a high-cost membership or complicated reward structures.

Whether you’re a shopper who spends on groceries, gas, or streaming, the Blue Cash Everyday® Card helps you maximize your spending power while earning rewards for what you use most.

---

Key Benefits of the Blue Cash Everyday® Card

✔ Welcome Bonus: Earn $200 statement credit after spending $2,000 in the first 6 months
✔ Rewards Structure:

• 3% cash back on up to $6,000 per year in grocery store purchases (then 1%)
• 2% cash back on gas stations and select department stores
• 1% cash back on all other purchases
  ✔ No annual fee
  ✔ 0% intro APR on purchases and balance transfers for 15 months (then 19.24%–27.24% variable APR)
  ✔ Cash back as statement credit or deposit into an eligible American Express savings account
  ✔ Exclusive access to American Express offers

The Blue Cash Everyday® Card is an excellent choice for those who want a simple, straightforward cash-back cardwith solid earning potential on everyday categories.

---

Rewards & Earning Structure

Welcome Bonus

• Earn $200 statement credit after spending $2,000 in the first 6 months
• Value: $200 in statement credit

Ongoing Earning Rates

• 3% cash back on up to $6,000 in grocery store purchases (then 1%)
• 2% cash back on gas stations and select department stores
• 1% cash back on all other purchases

💡 Pro Tip: The 3% at grocery stores is one of the highest cash-back rates in its class, making it an excellent card for people who regularly shop for groceries.

---

Best Ways to Redeem Blue Cash Everyday® Rewards

The Blue Cash Everyday® Card offers flexible redemption options to make the most of your rewards:

1. Statement Credit (Best Option: 1 cent per point)

✔ Redeem your cash-back rewards for statement credit applied directly to your bill
✔ Value: 1 cent per point

2. Direct Deposit into a U.S. Bank Account

✔ You can deposit your cash-back rewards into a U.S. checking or savings account
✔ Value: 1 cent per point

3. Gift Cards or Merchandise

✔ Redeem for gift cards from popular retailers or online stores
✔ Value: 1 cent per point

💡 Pro Tip: The best value is obtained by redeeming for statement credit or direct deposit.

---

Additional Perks & Benefits

0% Intro APR for 15 Months

• 0% intro APR on purchases and balance transfers for the first 15 months
• After the intro period, the variable APR will be 19.24%–27.24%
• Perfect for big purchases or transferring high-interest balances

American Express Offers

• Exclusive access to American Express Offers, including discounts at retailers, travel perks, and more
• Offers are personalized and updated regularly

Purchase Protection & Travel Benefits

• Purchase Protection: Covers eligible purchases made with the card in case they are damaged or stolen within 90 days
• Return Protection: American Express may provide a refund for eligible items that merchants won’t accept returns for within 90 days
• Travel Accident Insurance

---

Blue Cash Everyday® Card vs. Competitors

Feature	Blue Cash Everyday® Card	Chase Freedom Flex℠	Capital One QuicksilverOne
Annual Fee	$0	$0	$39
Welcome Bonus	$200 statement credit	$200 cash back	$200 cash back
Best Earning Rate	3% grocery, 2% gas	5% rotating categories, 3% dining	1.5% on all purchases
Foreign Transaction Fees	2.7%	None	None
Intro APR	0% for 15 months	0% for 15 months	N/A

✔ Best for grocery rewards: Blue Cash Everyday® Card
✔ Best for flexible travel rewards: Chase Freedom Flex℠
✔ Best for simplicity (flat-rate cash back): Capital One QuicksilverOne

---

Who Should Get the Blue Cash Everyday® Card?

✔ Anyone who shops at grocery stores regularly
✔ People who want solid rewards for everyday spending
✔ Individuals looking for a card with no annual fee
✔ Cardholders who want an intro 0% APR period
✔ Those who prefer cash-back rewards

---

Bottom Line: Is the Blue Cash Everyday® Card Worth It?

The Blue Cash Everyday® Card from American Express is an excellent choice for everyday spending, offering:

✔ 3% cash back on groceries (up to $6,000 per year)
✔ 2% cash back on gas and select department stores
✔ No annual fee
✔ 0% intro APR on purchases and balance transfers for 15 months
✔ Flexibility in redemption for statement credits or deposits

If you shop at grocery stores, gas stations, or department stores frequently, and want a no-annual-fee cash-back card, the Blue Cash Everyday® Card is a great fit for your wallet.