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Blue Cash Everyday Card from American Express®

in Personal Credit Cards

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Blue Cash Everyday Card from American Express®

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Blue Cash Everyday Card from American Express® is a credit card issued by American Express Bank, which is based in New York, NY. 

Blue Cash Everyday Card from American Express® is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Blue Cash Everyday Card from American Express® has a variable purchase APR that ranges from 14.74% up to 25.74%.

The card has a variable balance transfer APR that ranges from 14.74% up to 25.74%.

It also has a variable cash advance APR starting at 26.99%.

Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

Yes, Blue Cash Everyday Card from American Express® offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.

What are the fees?

The following fees apply to Blue Cash Everyday Card from American Express®:

  • There is no annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 2.7%. Transactions in a foreign currency get hit with a 2.7% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $27.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries
  • Retail

Is a signup bonus offered?

Yes, Blue Cash Everyday Card from American Express® offers card users a signup bonus worth up to $150 after spending $1000.

Is an annual loyalty bonus offered?

Blue Cash Everyday Card from American Express® doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Blue Cash Everyday Card from American Express® provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

Does Blue Cash Everyday Card from American Express® report your account activity to credit bureaus?

Blue Cash Everyday Card from American Express® reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period
25
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Foreign Currency Transaction Fee
2.7%
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Credit Score Range
640 - 850
850 300 640
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards
3x
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Retail
Every Purchase
1x
Signup Bonus
$150
Cash Advance APR
(Variable APR)
Starting at
26.99%
Purchases APR
(Variable APR)
14.74% - 25.74%
0% 29%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
Introductory Rate
0%
Balance Transfer APR
(Variable APR)
14.74% - 25.74%
8% 29%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3%
Introductory Rate
0%
Intro APR period (months)
15

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