Will I Be Approved for Blue Cash Everyday

Many or all of the products here are from our partners that pay us a commission. It's how we make money. But our editorial integrity ensures our experts' opinions aren't influenced by compensation. Terms may apply to offers listed on this page.

The Blue Cash Everyday® Card from American Express is packed full of benefits. You can earn a welcome offer to start. Then, you'll be able to earn cash back on your spending in multiple bonus categories. Terms apply. We'll cover all the good and the bad in this Blue Cash Everyday® Card from American Express review.

Blue Cash Everyday® Card from American Express

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

15.49%-26.49% Variable

One of the highest rewards-earning U.S. gas and U.S. supermarkets cards we've seen with no annual fee. The lucrative welcome offer and intro APR round out a diverse feature set.
- U.S. supermarkets and online retail rewards
- U.S. gas stations cash back
- Big welcome offer
- No annual fee (see rates and fees)
- Foreign transaction fee
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 15.49% to 26.49% variable APR.
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Get $7 back each month after using your Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
- Terms Apply.

Full Amex Blue Cash Everyday review

This credit card is a good fit for: Shoppers who want a no annual fee card and have high spending at U.S. gas stations and on U.S supermarkets purchases.

Top perks

Take a look at this card's top features:

Cash back program

You'll likely have several purchases per month earning either 1% or 3% back.

Depending on where you use the card, you'll earn between 1% and 3% cash back as statement credits. Here are its cash back rates:

3% at U.S. supermarkets, capped at $6,000 per calendar year
3% for U.S. online retail purchases, capped at $6,000 per calendar year
3% at U.S. gas stations, capped at $6,000 per calendar year
1% on other purchases
Terms apply

Overall, this is a great gas and groceries credit card with a solid mix of bonus categories at places most people visit frequently.

Welcome bonus

The Blue Cash Everyday® Card from American Express has a welcome bonus of $200 in statement credits earned after spending $2,000 on purchases within the first six months. Terms apply.

Read more: Best Sign-Up Bonus Credit Cards

No annual fee

If you're only interested in no annual fee cards, the Blue Cash Everyday® Card from American Express qualifies.

0% intro APR

The intro APR applies to purchases and balance transfers for the first 15 months, putting it among the best 0% APR cards we've found. After, the go-to rate is 15.49%-26.49% Variable. Terms apply (see rates and fees).

Statement credits

The card also packs in some lucrative statement credits for popular services. These include $84 in Disney bundle credits and $180 in Home Chef credits. Here are all the details you need to know:

Disney Bundle: Cardholders can earn $7 back monthly when spending at least $13.99 monthly on eligible Disney subscriptions, which include Disney+, Hulu, and ESPN+. Enrollment is required and purchases must be made on your 15.49%-26.49% Variable.
Home Chef: Cardholders enrolled with Home Chef can earn up to $15 in statement credits monthly, for a total of $180 yearly.

Related: Read The Ascent's list of the Best American Express Credit Cards

As of Jul. 14, 2022


Blue Cash Everyday® Card from American Express	Blue Cash Preferred® Card from American Express	Citi® Double Cash Card – 18 month BT offer
Rating image, 4.50 out of 5 stars. 4.50 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.	Rating image, 5.00 out of 5 stars. 5.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.	Rating image, 5.00 out of 5 stars. 5.00 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Apply Now for Blue Cash Everyday® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
	Read Full Review	Read Full Review
Rates & Fees	Rates & Fees
Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Good/Excellent (670-850)	Credit Rating Requirement: Good/Excellent (670-850)

Welcome Offer: $200 statement credit	Welcome Offer: $350 statement credit	Welcome Offer: N/A

Rewards Program: 1% - 3% cash back	Rewards Program: 1% - 6% cash back	Rewards Program: Up to 2% cash back

Intro APR: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months	Intro APR: Purchases: 0%, 12 months Balance Transfers: N/A	Intro APR: Purchases: N/A Balance Transfers: 0%, 18 months

Regular APR: 15.49%-26.49% Variable	Regular APR: 15.49%-25.49% Variable	Regular APR: 15.49% - 25.49%, variable

Annual Fee: $0	Annual Fee: $95	Annual Fee: $0

Highlights: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. No Annual Fee. Balance Transfer is back! Enjoy Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 15.49% to 26.49% variable APR. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. New! 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. Get $7 back each month after using your Card to spend $13.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required. Terms Apply.	Highlights: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low intro APR: 0% intro APR for 12 months on purchases from the date of account opening, then a variable rate, 15.49% to 25.49% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. $95 Annual Fee. Terms Apply.	Highlights: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). The standard variable APR for Citi Flex Plan is 15.49% - 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Apply Now for Blue Cash Everyday® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
Show More Show Less

What could be improved

These areas could be improved upon:

Foreign transaction fee

The card has a 2.7% foreign transaction fee (see rates and fees). This is slightly lower than the usual foreign transaction fee other card charge -- but it's still an extra expense when you travel. Plus, all of this card's bonus categories specify U.S. businesses. As a result, the card is only a good choice if you spend most of your time (and money) in the United States. If not, you should keep looking for other credit cards.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

To get the Blue Cash Everyday® Card from American Express, we recommend you have a good credit score, which means a FICO® Score of 670 or higher. American Express can be flexible with their requirements, and there are the occasional reports of successful applicants with scores as low as 600 -- but if your score is low and you apply for this card, just be aware you'll be rolling the dice.

The Amex Blue Cash Everyday is right for you if:

For a cash back card without an annual fee, the Blue Cash Everyday® Card from American Express has quite a bit to offer. It's a card you should consider if you're looking for any of the following:

A no annual fee cash back card.
One of the bigger welcome bonuses in its category.
A high cash back rate at U.S. supermarkets or for U.S. gas.
A lengthy 0% intro APR period for purchases.

Read more: Best Rewards Credit Cards

FAQs

The credit limit for the Blue Cash Everyday® Card from American Express ranges from $500 to over $15,000. It varies based on a variety of factors, including your annual income and credit history.
It's usually not hard to get the Blue Cash Everyday® Card from American Express if you have good credit. While American Express looks at your entire financial profile, applicants with a FICO® Score of 670 and above have high approval odds.
Yes, you can have two Blue Cash Everyday® Card from American Express cards. However, you won't be eligible for a welcome bonus on the second card.

carpenterloiced1971.blogspot.com

Source: https://www.fool.com/the-ascent/credit-cards/american-express-blue-cash-review/