Blue Cash Everyday^®: 3% Cashback on Groceries, Gas, and Online Shopping

Pros and Cons

Pros:

• 3% cashback on U.S. supermarkets
• 3% cashback on U.S. online retail purchases
• 3% cashback on U.S. gas stations
• No annual fee
• $84 annual Disney streaming credit
• Welcome bonus
• Introductory 0% APR on purchases and balance transfers
• Car rental coverage
• Purchase protection
• Cashback rewards are straightforward to understand

Cons:

• $6,000 annual spending cap in each 3% category
• Only 1% cashback on most other purchases
• Foreign transaction fee
• Grocery rewards exclude warehouse clubs and superstores
• No major travel rewards or premium travel protections
• The ongoing variable APR can be high

Welcome Offer

Earn a $200 bonus after spending $2,000 in the first six months.

Rewards

• 3% Cashback on up to $6,000 per year in each of the following categories:
  • U.S. Supermarkets
  • U.S. Online Retail Purchases
  • U.S. Gas Stations
• 1% Cashback on all other purchases.

Redemption Options

Redeem cashback as a statement credit, a deposit into an FDIC-Insured American Express^® High Yield Savings Account, or use it at Amazon.com checkout.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Purchases and Balance Transfers: Enjoy 0% intro APR for 15 months from account opening. To qualify for the balance transfer offer, transfers must be completed within the first 60 days.
• Regular APR: After the introductory period, a variable APR of 19.74% - 28.74% applies to purchases and balance transfers.
• Balance Transfer Fees: $5 or 3% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 2.7% of each purchase transaction in U.S. dollars.

Statement Credits

$84 Disney Streaming Credit: If you already pay for Disney+, Hulu, or ESPN+, this credit can cover up to $84 per year in streaming costs.

Travel Protections

Car Rental Coverage (secondary): Provides reimbursement for theft and collision damage when you decline the rental company’s coverage and pay for the rental in full with your card. Coverage is secondary in the U.S. to your personal insurance.

Travel & Emergency Assistance

Global Assist^® Hotline: Provides 24/7 assistance while traveling more than 100 miles from home, including help with medical, legal, and travel emergencies. This service helps connect you to local resources, but you are responsible for any costs charged by third-party providers.

Purchase Protections

Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $1,000 per claim and $50,000 per year.

Convenience Features

• Send & Split^®: If you often split purchases with friends or family, Send & Split^® lets you request repayments through Venmo or PayPal directly from the Amex app while still earning rewards on the full purchase. Repayments are applied as statement credits. Enrollment required.
• Additional Cards: Adding authorized users lets you earn cashback on their purchases at the same rates, helping households or couples pool spending and earn rewards faster. Additional cards are free and earn rewards just like the primary card.

Nice Extras

Amex Ticket Access: Get early access to select event tickets through Amex Presale Tickets^® and Reserved Tickets^®, including concerts, sports, and more.

Shopping & Savings

Amex Offers: Amex Offers lets you add targeted merchant discounts to your card and earn statement credits or bonus rewards on qualifying purchases. Offers vary by card and availability. Enrollment required.

Buy Now, Pay Later Options

Plan It^®: Plan It^® lets you split eligible purchases of $100 or more into equal monthly installments with a fixed fee while still earning rewards on the original purchase.

Ratings

• Net Value & Cost Efficiency: 6.7/10
• Rewards & Earnings Power: 8.4/10
• Welcome Bonus Value: 8/10
• First-Year Earning Boost: 0/10
• APR & Interest Structure: 6.5/10
• Simplicity & Transparency: 9/10
• Perks, Benefits & Protections: 2.9/10
• Issuer Credibility & Stability: 7.7/10
• Installment & BNPL Features: 7/10
• Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Customer Satisfaction

The American Express Blue Cash Everyday^® Card received a 634 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, placing it above the average score for no-annual-fee rewards credit cards.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Related Card Options

Blue Cash Preferred^®: higher grocery rewards (up to 6% back) if your spending can justify the annual fee.

EarnSmart Rewards Strategy

For cardholders looking to expand beyond Blue Cash Everyday^®’s grocery, gas, and online shopping rewards, these cards add travel benefits, rotating bonus categories, and stronger everyday earning:

• U.S. Bank Altitude^® Connect (Travel & transportation): Earn up to 5X points on eligible travel purchases and 4X at gas stations and EV charging stations on the first $1,000 in combined purchases each quarter. A strong complement for frequent travelers who want additional rewards beyond Blue Cash Everyday’s everyday categories.
• Chase Freedom Flex^® (Dining & rotating 5% categories): Earn 3% cashback on dining and drugstores, plus 5% on rotating quarterly categories (activation required). It adds valuable bonus categories that Blue Cash Everyday doesn’t cover as well. Plus, no foreign transaction fees.
• Wells Fargo Active Cash^®(Everyday spending): Earn unlimited 2% cash rewards on purchases, providing a stronger return on miscellaneous spending that would otherwise earn just 1% with Blue Cash Everyday.

» MORE: See Big4credit’s best cash back credit cards

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.