Blue Cash Everyday® Card: A Complete Guide

The Blue Cash Everyday® Card from American Express is a popular cashback credit card that offers great value for individuals looking to earn rewards on everyday purchases without paying an annual fee. Known for its generous cashback structure, the card is a top choice for people who spend regularly on groceries, gas, and other essentials. If you are considering applying for this card, this comprehensive guide will cover everything you need to know about the Blue Cash Everyday® Card, including its benefits, how to apply, and how to make the most of its features.

Key Features of the Blue Cash Everyday® Card

1. Cashback Rewards One of the most appealing features of the Blue Cash Everyday® Card is its cashback rewards structure. The card offers cash back in various categories, helping you earn rewards on the purchases you make most often:
   • 3% Cash Back on U.S. Supermarket Purchases: The Blue Cash Everyday® Card provides 3% cash back on the first $6,000 spent at U.S. supermarkets each year (then 1%). This makes it an excellent choice for families and individuals who regularly shop for groceries.
   • 2% Cash Back on U.S. Gas Stations and Select U.S. Department Stores: Cardholders earn 2% cash back at U.S. gas stations and select department stores. Whether you’re fueling up your car or shopping for clothing, you can rack up rewards quickly.
   • 1% Cash Back on Other Purchases: For all other purchases, the card provides 1% cash back, which means you’ll still earn rewards on everyday spending like dining out or shopping online.
   This tiered rewards structure ensures you earn more where you spend most, which can add up to substantial savings over time.
2. Welcome Bonus The Blue Cash Everyday® Card offers a generous welcome bonus to new cardholders. After spending a minimum of $1,000 on purchases within the first 3 months of opening the account, you can earn $200 in statement credits. This is an excellent way to jumpstart your cashback rewards from day one.
3. No Annual Fee One of the most attractive aspects of the Blue Cash Everyday® Card is that it does not charge an annual fee. This makes it a great option for individuals who want to earn cashback rewards without the added cost of an annual fee, which can eat into your overall rewards.
4. 0% Intro APR on Purchases and Balance Transfers If you’re looking to make large purchases or transfer existing credit card debt, the Blue Cash Everyday® Card offers a 0% Introductory APR on both purchases and balance transfers for the first 15 months. After the introductory period, the APR will adjust to a standard rate, which can vary based on your creditworthiness.
5. Cash Back Redemption Options The cashback rewards you earn with the Blue Cash Everyday® Card are easy to redeem. You can redeem your cash back in several ways:
   • Statement credits: Apply your cashback rewards toward your balance.
   • Gift cards: Use your rewards for gift cards at a variety of retailers.
   • Deposits: You can transfer your cashback to your linked bank account for greater flexibility.
6. American Express Benefits As a card issued by American Express, the Blue Cash Everyday® Card comes with various additional benefits, including:
   • Purchase Protection: Purchase protection offers coverage for eligible items you buy with your card in case of theft or damage within a certain period.
   • Extended Warranty: Extend the manufacturer’s warranty on eligible purchases, providing added peace of mind.
   • Return Protection: If a merchant won’t accept a return, American Express may help you return the item within a specified time frame.
   These features offer extra protection and value for your everyday purchases.
7. Access to American Express Offers As a Blue Cash Everyday® Cardholder, you’ll also have access to a wide range of American Express Offers. These are limited-time discounts and promotions at popular retailers, both online and in-store. By activating offers in your American Express account, you can earn additional cashback or discounts on purchases you were already planning to make.

How to Use the Blue Cash Everyday® Card Effectively

To make the most of your Blue Cash Everyday® Card, consider the following strategies:

• Maximize the 3% Cash Back on Groceries: To earn the maximum rewards, focus on using your card for all grocery store purchases. Remember, you can earn 3% back on the first $6,000 spent annually at U.S. supermarkets, which is a great way to get more value out of your everyday grocery runs.
• Track Your Spending on Gas and Department Stores: With 2% cash back on gas station purchases and select U.S. department stores, use the Blue Cash Everyday® Card whenever you fill up your tank or shop at participating department stores. This ensures you maximize your rewards on frequent spending categories.
• Pay Attention to the 1% Cash Back on Other Purchases: While the 1% cash back rate is lower, you’ll still earn rewards on purchases that don’t fall into the 3% or 2% categories. Use the card for everyday expenses like dining out, online shopping, or paying for services to accumulate rewards steadily.
• Plan Large Purchases During the 0% APR Period: If you need to make a significant purchase or transfer a balance, consider using your Blue Cash Everyday® Card during the 15-month 0% APR period. This gives you more time to pay off your balance without accruing interest, making it easier to manage your finances.

How to Apply for the Blue Cash Everyday® Card

Applying for the Blue Cash Everyday® Card is straightforward and can be done entirely online. Follow these simple steps to apply:

1. Visit the American Express Website: Go to the official American Express website and search for the Blue Cash Everyday® Card. You will find detailed information about the card, its benefits, and the application process.
2. Check Your Credit Score: The Blue Cash Everyday® Card typically requires good to excellent credit (a score of 670 or higher). It’s a good idea to check your credit score before applying to ensure you meet the eligibility requirements.
3. Fill Out the Application: Once you’re ready to apply, click the “Apply Now” button and complete the online application form. You will need to provide personal information such as your name, address, Social Security Number (for identity verification), annual income, and employment details.
4. Review the Terms and Submit: After filling out your application, take a moment to review the terms and conditions, including the interest rates, fees, and rewards structure. Once you’re satisfied, submit your application.
5. Wait for Approval: In most cases, American Express will provide an instant decision on your application. If your application is approved, you will receive your Blue Cash Everyday® Card within 7-10 business days.
6. Activate Your Card: Once you receive your card, follow the instructions included with your card to activate it. You can activate your card online, through the American Express mobile app, or by calling the customer service number.

Final Thoughts on the Blue Cash Everyday® Card

The Blue Cash Everyday® Card from American Express is a fantastic option for individuals looking to earn cashback on everyday spending. With no annual fee, generous cashback categories, and a solid welcome bonus, it’s an ideal choice for people who want to earn rewards while keeping things simple. Whether you’re looking to maximize grocery spending or enjoy cash back on gas and department stores, this card has something for everyone.

If you’re ready to start earning cash back on your purchases, apply for the Blue Cash Everyday® Card and enjoy the benefits today!