Blue Cash Everyday Card from American Express

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.

Blue Cash Everyday Card from American Express at a glance

Rewards & perks

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

Pros

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

Cons

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

Who should apply

• A credit score in the good-to-excellent range
• Enough income to back the credit line
• Welcome offer falls under Amex's once-per-lifetime rule

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official American Express site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.