Blue Cash Everyday Card from American Express
No annual fee · $84/yr in printed statement credits · 1% on everything else · 2.7% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3% | on the first $6,000/year |
| Online retail | 3% | on the first $6,000/year |
| Gas | 3% | on the first $6,000/year |
| Everything else | 1% | uncapped |
See how it ranks: best groceries cards · best online retail cards · best gas cards.
Statement credits — $84/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Disney Streaming Credit | $84/year | monthly · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Cash back (Reward Dollars) usable at Amazon.com checkout
- Car Rental Loss and Damage Insurance (secondary)
- Global Assist Hotline
- Purchase Protection (up to $1,000 per purchase / $50,000 per year)
- Send & Split
- Amex Presale/Reserved Tickets access
- Balance transfer offer available within first 60 days
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy groceries spender. The 3% on groceries stops after $6,000 of it per year. Past that the same purchases earn its base 1%, so the headline rate describes the first $6,000 only.
Compared head-to-head
- Blue Cash Everyday Card from American Express vs Capital One Quicksilver — which earns more?
- Blue Cash Everyday Card from American Express vs Discover it Cash Back — which earns more?
- Blue Cash Everyday Card from American Express vs Fidelity Rewards Visa Signature — which earns more?
- Blue Cash Everyday Card from American Express vs Max Cash Preferred (Elan) — which earns more?
- Blue Cash Everyday Card from American Express vs Wells Fargo Active Cash — which earns more?
- Blue Cash Everyday Card from American Express vs Bilt Blue Card — which earns more?
- Blue Cash Everyday Card from American Express vs Blue Cash Preferred Card from American Express — which earns more?
- Capital One Savor vs Chase Freedom Flex vs Blue Cash Everyday Card from American Express — all three side by side
- Blue Cash Preferred Card from American Express vs Capital One Savor vs Blue Cash Everyday Card from American Express — all three side by side
- U.S. Bank Altitude Go Visa Signature Card vs Capital One Savor vs Blue Cash Everyday Card from American Express — all three side by side
More from American Express
- Blue Cash Preferred Card from American Express $95/yr
- Centurion Card from American Express $5,000/yr
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card $150/yr
- Delta SkyMiles® Gold Business American Express Card $150/yr
- Delta SkyMiles® Platinum American Express Card $350/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com. Spot an error? Tell us.