Best For
Rewards Rate - Cashback
- 3% U.S. supermarkets (≤ $6k/yr, then 1%)
- 3% U.S. online retail (≤ $6k/yr, then 1%)
- 3% U.S. gas stations (≤ $6k/yr, then 1%)
- 1% Other purchases
$185 Savings
Estimated savings over 15 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- $200 statement credit after $2,000 in purchases within the first 6 months
- Annual fee
- $0
- Regular APR
- 20.24% – 29.99% Variable APR
- Recommended credit
- 670–850 (Good to Excellent)
- Travel Perks
- None
Highlights
- Elevated cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail (each with annual caps).
- $0 annual fee with classic Amex shopping and purchase protections.
- Simple redemption and broad acceptance.
Who is this card good for?
- Households with steady grocery and gas spend.
- Online shoppers who want a no‑fee card with useful categories.
- Beginners seeking a straightforward Amex cash‑back card.
Pointalize Opinion
Pros
- Three everyday 3%‑style categories with no annual fee.
- Solid protections for a $0‑fee product.
- Easy‑to‑understand rewards structure.
Cons
- Category caps limit annual upside.
- No premium travel features; best for domestic everyday spend.
Pointalize Final Thoughts
Blue Cash Everyday is a practical, no‑fee workhorse for U.S. households—use the capped categories for consistent savings year‑round.