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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
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.