Last Updated: 05/14/2026
Blue Cash Everyday® Card from American Express
Claimed
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +80
Strongly recommended20 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
19.99% - 28.99%(Verified 09/19/2025)
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Credit Score Range
N/A
Annual Fee
$0
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Number of Reviews
Blue Cash Everyday® Card from American Express Review
This is a cashback credit card issued by American Express® National Bank. If you're wondering whether Blue Cash Everyday® Card from American Express is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.99% up to 28.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Blue Cash Everyday® Card from American Express charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.7% every time you make a transaction outside the U.S.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Blue Cash Everyday® Card from American Express
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Blue Cash Everyday® Card from American Express FAQ
Does Blue Cash Everyday® Card from American Express have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retail | Up to 3 % cash back (3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 % cash back for a total of $6000 (3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%).) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 % cash back for a total of $6000 (Earn 3% cash back at U.S. supermarkets) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back (1% cash back on other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Blue Cash Everyday® Card from American Express have a signup bonus?
Yes. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Does Blue Cash Everyday® Card from American Express offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Blue Cash Everyday® Card from American Express benefits?
Blue Cash Everyday® Card from American Express provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Blue Cash Everyday® Card from American Express?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Blue Cash Everyday® Card from American Express has a variable purchase APR that ranges from 19.99% up to 28.99%. The card has a variable balance transfer APR that ranges from 19.99% up to 28.99%. It also has a variable cash advance APR of 29.24% .
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.Does Blue Cash Everyday® Card from American Express have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.99% - 28.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Blue Cash Everyday® Card from American Express have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Blue Cash Everyday® Card from American Express?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.7% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Blue Cash Everyday® Card from American Express have a foreign transaction fee?
Blue Cash Everyday® Card from American Express charges a foreign transaction fee of up to 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Blue Cash Everyday® Card from American Express?
The customer service number for Blue Cash Everyday® Card from American Express is (800) 528-4800.
What is the support contact email for Blue Cash Everyday® Card from American Express?
The support contact email for Blue Cash Everyday® Card from American Express is info@americanexpress.com.
How do people rate the customer service and user experience of Blue Cash Everyday® Card from American Express?
Overall, Blue Cash Everyday® Card from American Express is strongly recommended based on community reviews that rate customer service and user experience.
Does Blue Cash Everyday® Card from American Express report your account activity to credit bureaus?
Yes, Blue Cash Everyday® Card from American Express reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does American Express® National Bank perform a hard credit pull?
Yes, Blue Cash Everyday® Card from American Express performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Blue Cash Everyday® Card from American Express
- Visit the website of Blue Cash Everyday® Card from American Express.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Blue Cash Everyday® Card from American Express Disclosure: Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
7:00AM - 12:00AM
Monday
7:00AM - 12:00AM
Tuesday
7:00AM - 12:00AM
Wednesday
7:00AM - 12:00AM
Thursday
7:00AM - 12:00AM
Friday
7:00AM - 12:00AM
Saturday
7:00AM - 12:00AM
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Other Credit Cards from American Express® National Bank
Purchase APR
18.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0 - $150
Disclaimer popup with additional information
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$325
Disclaimer popup with additional information
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
20.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$895
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$150
Rating not yet determined
Purchase APR
20.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$550
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$150
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$5K
Rating not yet determined
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$650
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +80, or 4.6 on a 5-point rating scale.
+80
-1000+100
No one recommends
Everyone recommends
Blue Cash Everyday® Card from American Express Community Reviews
Would you recommend Blue Cash Everyday® Card from American Express to your friends?
AN
Amber N.
Nov 30, 2023
May or may not recommend
Really good u guys keep up with the good work
BA
Bruce A.
Sep 2, 2023
May or may not recommend
Bluebird card. But why does it matter? This is about theft, the worst possible customer experience, corporate greed and disregard for, rather contempt for customers. I charged my prepaid debit card from my bank as instructed. $500. Receipt tendered. Funds INSTANTLY extracted from my bank. INSTANTLY! 3 weeks later I don't have my money and Bank of America's foreign-based customer service team refuses to help. Case closed. The money went ...Show More
SR
Saila R.
Nov 30, 2022
May or may not recommend
I recommend it because it is accepted worldwide. But you have to confirm the access every time you use it in abroad for security purpose.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This is my first and only Amex and I love it! No annual fee and so many perks like Shoprunner for free. I also like the rental car insurance available and how affordable it is. Amex customer service is fantastic. I only needed to call once, it's been a while so I don't remember why I called but I do remember how incredibly friendly and genuine they were.
AB
Anthonia B.
Oct 13, 2022
May or may not recommend
Accepted everywhere, never had problems with them. They make everything very simple and the cashback to me is a huge bonus. I love that I can get something in return for all the money I spend. American Express is my go-to.
TM
Tony M.
Oct 12, 2022
May or may not recommend
Very vesitle in terms of cash back perks and the customer service is excellent
NP
Najla P.
Oct 12, 2022
May or may not recommend
Even I don't have bank account with them, they provide the best support on my Credit Card. Their customer service is superb! The agents usually listen to your concerns and try their best to solve your problems with the merchants. they provide wide range of offers and cashback to each purchase
UM
Uena M.
Mar 10, 2022
May or may not recommend
I have American Express cards for the convenience they offer. This is one of my favorite cards because they offer cashback on all your purchases. I also like the bonuses they offer with the card.
Mohammed M.
Mar 4, 2022
May or may not recommend
American Express is a great company love they're mobile interface...easy to pay my bills and great customer serrvice!
DL
Dakota L.
Feb 20, 2022
May or may not recommend
I enjoy using the American Express Blue Cash card because of its flexibility. You accumulate cash back rewards at a steady rate and there is a cash advance option if you need it. The card is a great safety net for short term liquidity spikes in your personal finances. The monthly payments appear lower than other cards in my wallet. Manage the card wisely though because the interest rate is ...Show More
Sophia D.
Jan 20, 2022
May or may not recommend
This is my first and only Amex and I love it! No annual fee and so many perks like Shoprunner for free. I also like the rental car insurance available and how affordable it is. Amex customer service is fantastic. I only needed to call once, it's been a while so I don't remember why I called but I do remember how incredibly friendly and genuine they were.
JN
Joel N.
Dec 21, 2021
May or may not recommend
Stay away from this card. Very high interest rates and horrible customer service. Would not recommend this card to my worst enemy. It's really that bad. I would avoid it at all costs.
MP
Myra P.
Jul 16, 2021
May or may not recommend
We took a loan and had the lowest % of interest. among all of our cards, this has the lowest! We are not even worried if we missed a payment but it would reflect on our file so we're preventing it. But still, sure am like seeing $20 as interest instead of worrying.
MC
Marjorie C.
Feb 3, 2021
May or may not recommend
Their customer service is superb! The agents usually listen to your concerns and try their best to solve your problems with the merchants. Excellent!!!
LS
Lester S.
Jan 3, 2021
May or may not recommend
This was my first credit card and have been using it since 2018. I love their initial money reward (I don't know if they still have that offer). This is another option for anyone who is looking to get into credit cards as a beginner. Compared to Discover IT credit cards, they don't have any monthly quota for usage and you can save at gas stations all year round! I ...Show More
LW
Lb W.
Nov 27, 2020
May or may not recommend
I currently use this card to make purchases varying from my apple subscriptions, to my groceries, to my late night doordash orders. What makes this card awesome is the cashback feature on every type of purchase. Also, because I knew I was going to use the card heavily, I knew I was going to make the $1000 goal to get the signup bonus. What makes card stand out from the ...Show More
AD
Amanda D.
Nov 7, 2020
May or may not recommend
I was apprehensive about the hard credit check that this card requires. Luckily, I was approved with a 720 FICO score.
I was excited to use this card due to all of its strong cash back rewards. The $200 statement credit posted right to my account once I spent $1,000 within the first 3 months of opening the credit line.
This card offers no annual fee which is excellent.
One downside ...Show More
JK
Jacqueline K.
Sep 30, 2020
May or may not recommend
This is one of my favorite credit cards to use. I have had it for about 7 years and they were one of the first cards I had to offer and increase my limit substantially, which in turn, greatly helped to increase my credit score. There are a lot of cash back options and we have saved a lot of money using this feature. The only con, not a ...Show More
JH
Jeffrey H.
Aug 16, 2020
May or may not recommend
I have been using this card for almost 5 years now and it’s the best. I received a 200.00 welcome bonus (because a friend sent me their link) and after 1000 in the first three months, it posted right to my account. They are always offering promotions and cash back depending on where you send, and have the best customer care support around. They are super knowledgeable and kind. I ...Show More
Nirupom C.
Aug 4, 2019
May or may not recommend
I have been using this card for a year. So, far I had very good experience with this card. I got $200 welcome bonus as my friend referred me for this card. I had to use $1000 in first 3 months for the welcome bonus. I also got 3% in departmental stores. Initially, I got 10 k CL with just 695 TU score. EXP score was also same. AMEX does ...Show More
Showing 20 of 20 reviews
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