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โ˜…โ˜…โ˜…โ˜…โ˜… 4.4How we rate

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American Express ยท Amex

Blue Cash Everyday Card from American Express

โ˜… 3% at U.S. supermarkets No Annual Fee Cash Back No Annual Fee 0% Intro APR Gas & Commuting

Pick the Blue Cash Everyday for no-fee grocery and online-shopping cash back: 3% at U.S. supermarkets, U.S. online retail and U.S. gas, each on the first $6,000/year, then 1%. Max all three caps and you'd earn $540 a year before the base rate kicks in. Its paid sibling, the Blue Cash Preferred, pays 6% at groceries but charges a fee, so this version wins only if your grocery spend is moderate. The 2.7% foreign fee and Amex's thinner overseas acceptance make it a stay-home card. Confirm the current welcome offer and that you haven't triggered Amex's once-per-lifetime rule on amex.com.

โŸณ Rates & fees verified June 2026 โ€” always confirm the current terms on the issuer's official site before applying.

Annual fee
No annual fee
Rewards rate
3% at U.S. supermarkets, U.S. online retail and U.S. gas stations (each on the first $6,000/yr, then 1%), 1% on other purchases
Welcome bonus
Cash back welcome offer after meeting the minimum spend
Intro APR
0% intro APR on purchases and balance transfers for 15 months
Regular APR
19.24%โ€“29.99% variable
Foreign transaction fee
2.7%
Recommended credit
Good to Excellent (700+)
Best for
Families with moderate grocery and online spend, no fee

What you earn

  • โœ“Cash back arrives in the form of Reward Dollars
  • โœ“Statement credits including the Disney Bundle
  • โœ“Comes with a 0% intro APR stretch

๐Ÿ‘ Pros

  • + Carries no yearly fee
  • + Healthy everyday spending categories
  • + A 0% intro APR period

๐Ÿ‘Ž Cons

  • โ€“ Tacks on a 2.7% fee for foreign transactions
  • โ€“ Each category tops out at $6,000 a year
  • โ€“ Amex gets less acceptance overseas than Visa or Mastercard

Can you get it?

  • โ–ธA credit score in the good-to-excellent range
  • โ–ธEnough income to back the credit line
  • โ–ธWelcome offer falls under Amex's once-per-lifetime rule

Requirements are general guidance โ€” the issuer makes the final decision. Learn more about card requirements โ†’

Decided on the Blue Cash Everyday Card from American Express?

Finish your application on American Express's own secure site.

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