Amex Blue Cash Everyday benefits guide

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Key takeaways

  • The Blue Cash Everyday Card from American Express offers a wide range of benefits alongside its lucrative rewards rate.
  • Cardholders can get a variety of statement credits and also take advantage of the standard benefits that come from American Express.
  • Those with a higher household spending threshold, particularly in grocery store purchases, might prefer the rates and benefits from the Amex Blue Cash Preferred Card instead.

The Blue Cash Everyday® Card from American Express is a solid rewards credit card for the everyday spender and a great option for families. It has no annual fee and has offered a generous rewards rate for purchases made at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases since the card was upgraded in July 2022 .

The Blue Cash Everyday is one of two main cash back cards offered by American Express — the other being the Blue Cash Preferred® Card from American Express , which comes with a $95 annual fee ($0 intro annual fee for the first year). Although these two cards offer fairly similar benefits, the Blue Cash Everyday is likely a better fit for cardholders who may not earn enough rewards to offset the Blue Cash Preferred’s annual fee.

Here’s a look at the benefits offered by the Amex Blue Cash Everyday to help you decide if it’s the right cash back option for you.

Rewards rate and welcome bonus

To start, the Blue Cash Everyday Card lets cardholders earn the following cash back rates on common, everyday purchases:

  • 3 percent cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1 percent)
  • 3 percent back at U.S. gas stations (on up to $6,000 in purchases per year, then 1 percent)
  • 3 percent back at U.S. online retailers (on up to $6,000 in purchases per year, then 1 percent)
  • 1 percent back on all other purchases

Further, new cardholders can earn up to $200 in statement credits after spending $2,000 in purchases on the new Card within the first six months from account opening.

0% intro APR

The Blue Cash Everyday offers a 0 percent intro APR on both purchases and balance transfers for 15 months, followed by a variable APR of 19.24 percent to 29.99 percent. This makes it a solid balance transfer credit card option, while also offering the ability to pay off a large purchase over time sans interest.

Annual credits

The Blue Cash Everyday Card boasts a couple of annual credits that could be worth up to $264. Those include:

  • Up to $180 in Home Chef credits per year ($15 in monthly statement credits for online meal kit purchases, subject to auto renewal)
  • Up to $84 in credits for The Disney Bundle per year ($7 monthly statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) to The Disney Bundle, which includes Disney+, Hulu and ESPN+)

These credits mean you’ll get even more value from this no-annual-fee card on top of the cash back rewards, welcome bonus and zero-interest offer on purchases and balance transfers.

Entertainment benefits

Cardholders of the Blue Cash Everyday have access to American Express Experiences, which includes access to exclusive presale tickets and entry into member-only events — from Broadway shows and concerts to sporting events and one-of-a-kind art exhibits.

Travel benefits

The Amex Blue Cash Everyday travel benefits are relatively bare bones, as this is more of a card for everyday spenders ( specifically gas and groceries ) than frequent travelers. However, American Express offers a Global Assist Hotline to support its members whenever they travel 100 miles or more from home. Representatives are available by phone to assist with lost passports, translation services, missing luggage and emergency legal or medical referrals.

Amex also offers car rental loss and damage insurance when you use your card to reserve and pay for the rental. Not all vehicle types and rentals are covered, however, and liability coverage is not included. Coverage also might not be not available in select countries.

It’s also important to note that the Amex Blue Cash Everyday has a 2.7 percent foreign transaction fee for every purchase made outside of the United States (after conversion to U.S. dollars) — meaning if you plan to travel abroad, you may want to pay with a card that doesn’t charge these fees.

Card protections and insurance benefits

The Blue Cash Everyday card includes Amex purchase protection from accidental damage or theft for up to 90 days from the purchase date. You’ll be reimbursed up to $1,000 per eligible item with an annual limit of $50,000 per card. In the event of fraudulent or incorrect charges, American Express also provides dispute resolution assistance.

Payment option benefits

The Blue Cash Everyday includes the American Express Pay It, Plan It program. The Pay It option allows you to quickly make payments for small, qualifying purchases under $100, while the Plan It option allows you to put purchases over $100 into extended monthly payment plans for a fixed fee. You won’t be able to add purchases to Plan It if the purchase would cause your balance to exceed 95% of your Account Total New Balance on your last billing statement, cause your plan balance to exceed 95% or cause you to exceed your Pay Over Time Limit. Purchases made under either option will still earn rewards like any other purchase.

Additionally, the zero-interest offer on purchases applies to purchases split up into Plan It monthly installments. After the introductory period ends, Plan It purchases will include a monthly plan fee of up to 1.33 percent of each purchase amount moved into the plan (and based on its plan duration), along with the APR that would otherwise apply to the purchase.

Access to Amex Offers

All U.S. American Express consumer and business cards are also eligible to participate in the Amex Offers program. In addition to each Amex card’s given rewards and perks, Amex Offers allows members to earn statement credits on qualifying purchases from select brands. In the past, some of the brands have included PayPal, Best Buy, Home Depot, Samsung, Goldbelly and Instacart.

Cardholders can browse Amex Offers and choose which offers to activate before making a purchase, and it’s possible you could earn more than 25 percent cash back on a purchase. It’s important to note that each Amex Offer has a spending requirement and an expiration date. To maximize these benefits, cardholders should regularly check Amex Offers for promotions that fit their spending.

How to maximize Amex Blue Cash Everyday benefits and perks

It’s important to get the most out of your credit cards and take full advantage of what they offer. To maximize the benefits of the Amex Blue Cash Everyday, cardholders should first focus on offers that are time-sensitive, such as its first-year welcome bonus and zero-interest offer on purchases and balance transfers (if you need it).

After that, it’s important to plan out your spending in order to make the most out of the 3 percent categories — and be sure to regularly check Amex Offers to see if any of the program’s current offerings align with your shopping plans or habits.

Blue Cash Everyday vs. Blue Cash Preferred

If your spending habits are beyond this card’s offerings, then you may want to upgrade to the Blue Cash Preferred Card and maximize its benefits. Some of the benefits of the Blue Cash Preferred include:

  • $95 annual fee ($0 intro annual fee for the first year)
  • 6 percent back on U.S. supermarket purchases (on up to $6,000 per year, then 1 percent); 6 percent back on select U.S. streaming subscriptions; 3 percent back on transit and U.S. gas station purchases; 1 percent back on all other purchases
  • $250 statement credit welcome offer after you spend $3,000 in purchases within the first six months
  • 0 percent intro APR on purchase and balance transfer for 12 months (19.24 percent to 29.99 percent variable after)

Although both cards have a $6,000 cap on U.S. supermarket purchases per year (then 1 percent), the Blue Cash Preferred’s 6 percent cash back rate at U.S. supermarkets provides the chance to earn $360 in cash back annually (in addition to 1 percent on purchases thereafter). The Blue Cash Everyday, on the other hand, has the potential to earn only $180 in cash back (plus 1 percent on purchases after that) on groceries per year.

For a single person or a couple, the Blue Cash Everyday might make more sense . But for a family of three or four that spends more annually on everyday purchases, the Blue Cash Preferred could be a better choice , as it offers the chance to earn enough rewards to offset the card’s ongoing $95 annual fee.

The bottom line

The Blue Cash Everyday Card from American Express provides great benefits for the right type of spender — those who want to be rewarded for everyday spending but don’t want to pay an annual fee.

Other perks include a zero-interest offer and the benefits of simply being an American Express member: purchase protection, travel assistance, American Express Experiences, Amex Offers and more. If you’re looking for a top no-annual-fee card with a generous rewards rate on gas and groceries, the Blue Cash Everyday is a great choice .

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 and Underwritten by New Hampshire Insurance Company, an AIG Company.

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Why I love the Blue Cash Everyday Card from American Express

Man getting gas for car wearing mask

Why the Blue Cash Everyday is great for big spenders on gas and groceries

two man setting groceries on kitchen counter

Amex Blue Cash Preferred vs. Blue Cash Everyday

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Is the Amex Blue Cash Everyday worth it?

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Blue Cash Everyday Card from American Express review: Solid grocery run rewards for no annual fee

Amex Blue Cash Everyday Card review: Decent earning and no annual fee

Katie Genter

Blue Cash Everyday® Card from American Express overview

The Blue Cash Everyday® Card from American Express is best suited for you if you prefer cash-back rewards over travel rewards. This card may be a good fit if you aren't willing to pay an annual fee or you won't spend more than several hundred dollars on your card each month. Rating*: ⭐⭐⭐

*Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Making the most of travel rewards can be a challenging endeavor — which is why many consumers lean toward cash-back credit cards . There are many options in this category, including several that have no annual fee .

One such card — the Blue Cash Everyday Card from American Express — underwent a significant refresh in July 2022 , with boosted earning rates and added statement credits. It may not be the best choice for everyone, but it does offer solid returns on popular spending categories without an annual fee (see rates and fees ).

This card is ideal for those who prefer cards without annual fees or cash-back rewards instead of points and miles . With a recommended credit score of 670 or above, the Blue Cash Everyday Card can also help students and young professionals continue to build credit while earning modest rewards.

Let's take a closer look at the Blue Cash Everyday Card to decide whether this card is right for you.

Related: Why you should get (and keep) a no-annual-fee credit card

Blue Cash Everyday welcome offer

The Blue Cash Everyday Card is currently offering a $200 statement credit after you spend $2,000 on purchases in the first six months of card membership. That's a 10% return on spending and the highest offer we've seen on this card .

blue cash everyday travel insurance

Due to Amex's once-per-lifetime rule , you likely won't be eligible for this welcome offer if you have or previously had the Blue Cash Everyday Card. Amex also might consider other factors when determining your eligibility for the welcome offer .

Luckily, Amex has a welcome offer eligibility tool that will tell you whether you're eligible for the bonus — before you submit. If not being eligible to earn the bonus is a deal-breaker, you can withdraw your application before there's a hard pull on your credit .

Related: How to use the CardMatch tool to get better credit card welcome offers

Blue Cash Everyday benefits

As with most no-annual-fee cash-back credit cards , the Blue Cash Everyday Card from Amex doesn't offer many benefits. However, the card does offer the following perks:

  • Disney Bundle statement credit : Receive up to $84 in credits each year (up to $7 per month) after spending $9.99 or more each month on your eligible Disney Bundle subscription when paying with the Blue Cash Everyday card. Enrollment is required in advance for this benefit.
  • Home Chef statement credit: Receive up to $180 in credits annually, given as $15 per month, when you pay with your Blue Cash Everyday card. Enrollment is required in advance.
  • Amex Offers : As an American Express cardholder, you'll get access to targeted offers that can save you money .
  • Car rental insurance: You can enjoy secondary rental car insurance when paying for the rental with your card — up to $50,000 of protection against theft or damage.*

blue cash everyday travel insurance

  • Global Assist Hotline : When you're more than 100 miles from home, you'll get 24/7 access to medical, legal, financial and select emergency coordination and assistance services. However, you'll be responsible for any costs charged by third-party service providers.**
  • Pay It® Plan It®: If you need additional flexibility when paying your credit card bill , you can use Pay It® to quickly make payments for purchases under $100 throughout the month (available through the American Express app). You can also use Plan It® for qualifying purchases of $100 or more and split them into monthly payments with a fixed monthly fee. There is no enrollment or sign-up requirement.
  • American Express Experiences : Amex offers cardholders access to pre-sale tickets and exclusive events.

That's a solid selection of benefits for a no-annual-fee card, best for people who can use the statement credits and things like the American Express Experiences perks.

*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc. **Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Cardmembers are responsible for the costs charged by third-party service providers.

Related: Best American Express credit cards for 2024

Earning rewards with the Blue Cash Everyday

With the Blue Cash Everyday Card from Amex, you'll earn:

  • 3% cash back on the first $6,000 you spend each calendar year at U.S. supermarkets (then 1%)
  • 3% back on the first $6,000 you spend each calendar year at U.S. gas stations (then 1%)
  • 3% back on the first $6,000 you spend each calendar year at U.S. online retailers (then 1%)
  • 1% on all other eligible purchases

blue cash everyday travel insurance

Cash back is received as reward dollars that can be redeemed for statement credits.

While the spending caps might be a turnoff for some, $6,000 annually is still nothing to sneeze at, and a 3% return in broad categories like supermarkets and online retailers is solid.

Related: 3 reasons why you want a cash-back credit card in your wallet

Redeeming rewards with the Blue Cash Everyday

The Blue Cash Everyday Card is a cash-back credit card, so the redemption process is very straightforward. You earn cash-back rewards in the form of Blue Cash reward dollars, which you can redeem for statement credits with no minimum redemption amount.

blue cash everyday travel insurance

Occasionally, American Express may offer you other ways to redeem reward dollars, such as gift cards or merchandise. TPG credit card writer Ryan Wilcox prefers to redeem his cash back for Amazon gift cards and select merchandise when available because of its versatility and ease of use.

However, if given other options, ensure that your redemption rate is the same or better than redeeming for a statement credit. With statement credits, your rewards are worth one cent apiece, so you'll want to make sure any other redemption is at least that valuable.

Related: Best ways to use the cash back from your credit card

Which cards compete with the Blue Cash Everyday?

The most natural competitors for the Blue Cash Everyday card are other cards earning cash back.

  • If you want higher earning rates on a similar card: The Blue Cash Preferred® Card from American Express offers 6% back at U.S. supermarkets (on up to $6,000 of purchases per year, then 1% back), 6% back on select U.S. streaming subscriptions, 3% back on transit, 3% back at U.S. gas stations and 1% back on other purchases. However, it carries a $95 annual fee ($0 intro annual fee the first year; see rates and fees ). For more information, check out our full review of the Blue Cash Preferred card .
  • If you want more options for using your earnings: The Citi Double Cash® Card (see rates and fees ) has no annual fee and earns 2 points per dollar on all purchases — 1 point when you purchase and another 1 point when you pay your bill. You can cash out these points or use them with hotel and airline programs for travel . For more information, check out our full review of the Double Cash Card .
  • If you want flexible rewards and bonus categories: The Chase Freedom Flex has no annual fee and earns 5% cash back on travel booked through the Chase travel portal, 3% back on dining, 3% back on drugstore purchases and 1% back on other purchases. You'll also earn 5% back on up to $1,500 on purchases in rotating categories each quarter . You can redeem your earnings for cash back or turn these into points if you have certain travel cards from Chase . For more details, check out our full review of the Freedom Flex card .

For additional options, check out our full list of the best cash-back credit cards .

Read more: Should you get the Blue Cash Preferred or Blue Cash Everyday card?

Is the Blue Cash Everyday Card card worth it?

The Blue Cash Everyday is a great card if you want to get bonus cash back on groceries, gas and online shopping without an annual fee. However, the earning limits in these bonus categories might be too low to maximize your spending, so check out our guide to choosing a cash-back card for more guidance on finding the right option for you.

Related: The best credit cards for everyday spending

Bottom line

To be a top cash-back credit card , a card must offer an excellent rewards structure. The Blue Cash Everyday Card doesn't quite have that, but it could be a solid cash-back card for many — especially students and credit card beginners with low monthly budgets. Plus, the card has no annual fee and provides monthly statement credits that can lead to positive value year after year for current cardholders.

Apply here: Blue Cash Everyday Card

For rates and fees of the Blue Cash Everyday, click here . For rates and fees of the Blue Cash Preferred, click here .

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  • Key takeaways

Is the American Express Blue Cash Everyday card worth it?

Amex blue cash everyday rewards, amex blue cash everyday benefits, amex blue cash everyday fees, rates & limit, how the amex blue cash everyday card compares, is the amex blue cash everyday card right for me, how to apply for the amex blue cash everyday card, amex blue cash everyday faqs.

American Express Blue Cash Everyday Credit Card Review 2024

Sarah Stasik

The Blue Cash Everyday card from American Express is a cashback card that makes it easy to earn rewards on daily spending. This card is great for people who spend regularly at the grocery store and gas pump as well as those who like to shop online.

Check out our American Express Blue Cash Everyday review below to find out:

  • How you earn cashback with this card and how to redeem it
  • How interest rates and fees impact your ability to earn cashback
  • Whether a similar card might be a better match for you
  • What other perks you can expect as a Blue Cash cardholder
  • The American Express Blue Cash Everyday ® Credit Card lets you earn cash back on everyday spending, maximizing cashback when you shop with grocery stores, gas stations, and online retailers.
  • This card doesn’t come with an annual fee.
  • The card includes introductory purchase and balance transfer APR offers, which can help you maximize benefits and cash-back opportunities.
  • You’ll need at least good credit to get approved for this card.
  • No annual fee
  • Welcome offer
  • Respectable 3% cash back at supermarkets, gas stations, and online retail purchases
  • Rewards cap on spending at U.S. supermarkets, U.S. gas stations, and online retail purchases
  • 2.7% foreign transaction fee
  • Low rewards rate outside of bonus categories

Blue Cash Everyday® Card from American Express

The Blue Cash Everyday card is worth holding if you’re looking for a cashback credit card that lets you earn on day-to-day purchases you’d be making anyway.

The best way to maximize your benefits with this card is to use it to make your grocery, gas and online retail purchases rather than using the funds in your checking account. Then, you can use those checking account funds to pay off your statement each cycle to avoid interest expenses that eat into your cashback perks.

  • Easy cashback structure many people can maximize
  • 0% introductory APR offer for purchases and balance transfers
  • 3% cashback earnings are limited to the first $6,000 in spending each year per category
  • Some other rewards cards may offer enhanced cashback earnings
  • Foreign transaction fees that reduce cashback earnings if you shop outside of the United States

Learn more about the Blue Cash Everyday Card

Terms apply / Rates & fees

Unlike travel and luxury rewards credit cards , which often offer cash back or points on purchases the average person doesn’t make on a regular basis, the Blue Cash Everyday card offers benefits on everyday spending.

Blue Cash Everyday welcome bonus

Cash back rewards with this card come out of the gate swinging with an easy-to-earn, attractive welcome offer. To secure the welcome offer, you must spend $2,000 with your Blue Cash Everyday card within the first six months of opening the account.

That’s only around $334 a month, and most people spend that much on groceries and gas alone. Simply swipe the Blue Cash card to pay for purchases you’re already making, pay your statement off with money you would have used on those purchases, and collect the welcome offer.

The signup bonus can be up to $250 as a statement credit. The exact amount you’re offered as a welcome bonus may vary, and this offer is presented to you after you prequalify for the Amex credit card .

Earning Blue Cash Everyday rewards

The rewards rate for cash back on the Blue Cash Everyday card is 1% to 3%. You’ll get a rewards rate of 3% when you use this card at supermarkets and gas stations and to make online retail purchases (all within the United States). All other qualifying purchases earn you 1% cashback.

Note that the 3% cashback is limited every calendar year — you only earn it on the first $6,000 in spending in each category. After that, you earn the regular 1% on any further spending.

Here’s a hypothetical breakdown of potential cash-back earnings with this card.

  • Imagine someone spends $800 per month on groceries at supermarkets. That’s $9,600 total for the year. They would earn 3% cash back on the first $6,000 and 1% on the remaining $3,600. That’s $216 in cash back.
  • Perhaps the individual also spends $300 on gas each month, for a total of $3,600 per year. Cash back on that amount at 3% is $108.
  • Finally, the individual uses their card to make online purchases averaging $250 per month. That’s $3,000 per year, which means $90 in cash back.

Also imagine that this person pays off their credit card statement every month, never accruing interest expenses. At the end of the year, they have earned $414 in cash without any expense — all for buying things they had to buy anyway.

Redeeming Blue Cash Everyday rewards

The Blue Cash Everyday card cash back is earned as Blue Cash Rewards Dollars. These are not points, and you can’t convert the dollars to Membership Rewards points. However, you can redeem them for a statement credit or at Amazon.com checkout.

So, imagine that you have $300 in Blue Cash Rewards Dollars. You want to use them to help cover the cost of a weekend getaway. You could pay for the trip with your Blue Cash Everyday card and then use the cash back to pay down your statement total.

It’s important to note that cash back statement credits don’t reduce your minimum payment due (unless they happen to pay off the entire balance). For example, if you have a balance of $1,000 and a $50 minimum payment due, redeeming $100 in cashback to reduce your balance to $900 doesn’t change the fact that you also have to make that $50 payment.

While the cash-back game is strong with the Blue Cash Everyday card, it also comes with some other notable perks.

Disney Bundle credit

Disney lovers can get a credit to reduce the cost of their streaming entertainment consumption when they pay with this card. If you use your Amex Blue Cash Everyday card to cover $9.99 or more each month in Disney Bundle costs on Plus.espn, Hulu.com or DisneyPlus.com, you can get a $7 statement credit monthly. This perk is only valid in the United States.

Home Chef credit

You can get up to $15 back in statement credit when you use this card to pay for a Home Chef subscription. That’s a benefit of up to $180 per year.

ShopRunner membership

Being an Amex Blue Cash Everyday cardholder gets you complimentary membership in the ShopRunner program. You can get free two-day shipping on online retail purchases from participating retailers. With more than 100 online stores to shop with, chances are you can find what you need and save on shipping with this perk.

Car rental insurance

Use your Blue Cash Everyday card to cover the entire purchase of a car rental, and you don’t need to pop for extra insurance through the rental company. You get automatic coverage for theft and damage. Note that this is only true in covered territories, so ensure you’re in the right geolocation for this benefit before you count on it.

Purchase protection

Your in-store or online retail purchases may be covered against theft or accidental damage up to 90 days from the date you use this card to make the purchase. This benefit does have limits, so always check your cardholder agreement for the fine print.

American Express Experiences

Blue Cash Everyday credit cardholders can take advantage of this program, which lets you purchase tickets for card-member exclusive events. You can also get access to ticket presales that the general public doesn’t have access to, potentially helping you score entry into popular concerts and other events.

Amex Offers

You can browse special offers and deals in your online account and add them to your card. When you shop for related products through Amex Offers and pay with your Blue Cash Everyday card, you can score significant deals.

Global Assist Hotline

If you’re traveling and are more than 100 miles from your home, this benefit can help you handle emergencies. Helpful representatives at this hotline can recommend legal, medical and other services in the area where you are or offer information about customs or other processes.

It’s important to consider the costs of holding any credit card. When you’re weighing the cashback benefits of an option like the Blue Cash Everyday credit card, you also want to know how much of that cashback is true “profit” for you, so you’ll want to know what fees and interest you might end up paying.

Amex Blue Cash Everyday credit card fees

The good news is that Blue Cash Everyday is a credit card with no annual fee . Some rewards cards do have annual fees, and that means you have to earn enough rewards to cover the fee before you actually “profit” from the rewards.

Some fees you might pay with the card include:

Foreign transaction fees of 2.7% of every purchase outside of the United States

Late and returned payment fees up to $40

Cash advance fees of 5% of the withdrawal amount or $10, whichever is more

Balance transfer fees of 3% of the balance transfer or $5, whichever is more

All of the above fees are under your control, though, as they only occur in those specific situations.

Amex Blue Cash Everyday credit card interest rates

If you carry a balance from statement to statement on your Blue Cash Everyday card, you’ll be charged interest. That can seriously eat into your cash-back rewards.

Having a cash-back credit card with a 0% intro APR offer can be handy. You might use the card to fund a large purchase and pay that balance off over time without accruing interest — all while earning cash back on the purchase itself.

For example, say you want to buy new living room furniture, and the cost is $4,500. You could put it on this card the first month you have it and get 15 months to pay it off without interest. That’s 15 payments of $300. But you also get 1% cash back on the purchase, so you net $45 from the deal (in addition to whatever welcome bonus you might earn).

Amex Blue Cash Everyday credit card limit

The higher your credit limit, the more flexibility you have in leveraging the introductory APR or credit card balance transfer offers . Your credit limit on this card will depend on your credit score and history, income and current debt load.

Cardholders report credit limits ranging from $1,000 to $20,000 with this card, so you can likely expect your initial credit to fall in that range. The lender may increase your credit limit over time as you handle your account responsibly.

Before you apply for a credit card, always consider similar options to understand whether it’s the right card for you.

Generally, the Amex Blue Cash Everyday credit card compares favorably to other cash-back cards. It doesn’t have an annual fee, which isn’t always the case, and provides fairly easy ways to earn cash back for most people.

Amex Blue Cash Everyday vs. Amex Blue Cash Preferred

The Blue Cash Preferred card comes with an annual fee of $95 after the first year, which means you have to earn more cash back to benefit from the card. However, cash rewards on this card are 6% for supermarket and streaming services purchases, 3% on transit and gas purchases and 1% for everything else.

If you know that you’ll spend a lot of money at supermarkets, on public transit, or gas in a year, you may be able to maximize benefits to more than make up for that annual fee. Otherwise, the Blue Cash Everyday card lets you earn a bit of cash back without worrying about overcoming the fee.

For more details, check out our American Express Blue Cash Preferred Card review .

Amex Blue Cash Everyday vs. Capital One SavorOne

Neither of these cards has an annual fee, but they offer different rewards structures. The Capital One SavorOne card offers 3% back on dining, grocery store, streaming service and entertainment purchases. If you’re more likely to eat out and catch a movie than shop online or in the grocery store, the SavorOne card may let you earn more cashback than the Blue Cash Everyday card.

For more details, check out our Capital One SavorOne Credit Card review .

The Blue Cash Everyday card is a decent rewards credit card, especially when grocery, gas and online retail purchases make up a good portion of your budget. If you want to earn rewards without the hassle of an annual fee, this may be a good card for you.

However, if you tend to spend more in other categories, such as travel or dining out, or you want a credit card with a lot of travel perks, other rewards cards — including many Amex credit cards — may be a better fit.

American Express alternatives to the Blue Cash Everyday card

If you’re looking for a travel credit card to give you luxury perks, Amex offers some of the best credit cards available. 

The Amex Gold card offers complimentary American Express travel insurance and the Amex Platinum Card includes airport lounge access and elite status at Hilton, Marriott, and other partner brands. If these travel perks sound appealing to you, check out our Amex Gold vs. Platinum review to see if either of these cards might be a better fit than the Blue Cash Everyday.

If racking up miles with airline credit cards is more your style, there is a line of Amex Delta credit cards that might interest you. There are four cards in this line (seven if you include the Delta Amex business cards ): Delta SkyMiles Blue, Delta SkyMiles Gold, Delta SkyMiles Platinum and Delta SkyMiles Reserve. They all offer different tiers of rewards and fees. Amex also has several hotel credit card options, including Marriott Bonvoy and Hilton Honors.

You can learn more about the Blue Cash card and apply online. You’ll need your personal information, such as phone number and address, as well as your Social Security number and date of birth. You will also need to provide some information about your current income and debts.  

To get approved for this card, you will need at least a good credit score. Typically, the lender looks for credit scores in the high 600s or higher.

Is Amex Blue Cash Everyday a charge card?

No, this is not an American Express charge card. It is a traditional credit card, which means you don’t have to pay the balance off every month. However, outside of the introductory offer, carrying a balance will come with interest expenses.

How does cash back work on the Amex Blue Cash Everyday card?

You earn cash back when you use your card for purchases. You’ll get 3% cash back when you spend on groceries, gas and online retail purchases. Those rewards are limited to the first $6,000 you spend annually in each category. All other cash back is earned at a rate of 1%. You can redeem your cash back as a statement credit.

Is the Amex Blue Cash Everyday hard to get?

It’s somewhat challenging to get approved for this card, as you need a credit score at least in the good range.

What credit score do I need for Amex Blue Cash Everyday?

You will need at least a good credit score. That means a credit score of around 670 or higher. However, your credit score isn’t the only factor the lender will consider, so you may be approved if your score is slightly lower or denied even if your score is above that range.

Sarah Stasik

Sarah Stasik is an editorial writer and a Six Sigma certified project manager. She is well versed in personal finance thanks to her previous role as a Revenue Cycle Manager for a Fortune 500 healthcare company. Using her inside knowledge and expertise, Sarah often covers topics ranging from insurance and the economics of private healthcare to personal finance and small business management.

Over the past 12 years, Sarah has contributed to numerous publications in the personal and small business finance sector, including content on budgeting, bankruptcy, small business accounting, and financial tech. Her writing focuses on making complex or seemingly daunting financial topics more accessible and providing helpful, relevant resources for readers.

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AmEx Blue Cash Everyday Gets More Rewarding

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The popular Blue Cash Everyday® Card from American Express is getting an update which, true to the card’s name, will increase your cash back earning potential on everyday purchases.

Beginning on July 14, 2022, both new and existing card holders will earn 3% cash back (on up to $6,000 spent per year) on purchases at:

U.S. supermarkets,

U.S. gas stations.

U.S. online retailers.

(Terms apply; see rates and fees ).

The $6,000 annual maximum is per category, not for all the 3% categories combined. The card continues to earn an unlimited 1% cash back on all other purchases. (Terms apply; see rates and fees ).

Added value with new statement credits

The revamped card will also offer statement credits toward specific purchases, which is a new benefit:

Home Chef : A $180 credit for this meal kit delivery service, in the form of a monthly $15 statement credit.

The Disney Bundle: An $84 credit for this streaming subscription which includes Hulu, Disney+ and ESPN+, in the form of a $7 monthly statement credit.

The card's sibling, the Blue Cash Preferred® Card from American Express , will now also receive a $7 monthly statement credit for The Disney Bundle. Terms apply.

If you can use the full value of the monthly credits, you'll get more than $250 in value from this $0 -annual fee card.

New card holders will also be eligible for a welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.

» MORE: AmEx Blue Cash showdown: Everyday or Preferred?

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23 Benefits of the Amex Blue Cash Preferred Card [2024]

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23 Benefits of the Amex Blue Cash Preferred Card [2024]

Amex Blue Cash Preferred Card Overview

1. an introductory welcome bonus, 2. earning at supermarkets, 3. earning on streaming services, 4. earning on transit and at gas stations, 5. earning on every purchase, 6. redeem for statement credits, 7. redeem for merchandise and gift cards, 8. lowest hotel rate guarantee, 9. rental car program benefits, 10. car rental loss and damage insurance, 11. access to premium car rental protection, 12. concierge and travel assistance, 13. global assist hotline, 14. 0% introductory apr period, 15. up to $120 equinox+ statement credit, 16. amex offers, 17. american express auto purchasing program, 18. purchase protection, 19. return protection, 20. extended warranty, 21. vip entertainment access, 22. complimentary shoprunner membership, 23. no authorized user fee, amex gold card, final thoughts.

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Everyday spending can add up quickly. When you take a few trips to the grocery store, fill up the gas tank, take an Uber ride out to dinner, then add on the cost of that Netflix subscription, and you’ll easily have hundreds of dollars in purchases.

We’re all about earning rewards, especially on purchases you make on a daily basis. Earning rewards on these purchases can add a ton of extra cash to your household.

One way to ensure you receive all the rewards you deserve is to select a credit card that earns the highest rewards on your biggest expenses.

If your highest expense categories are those everyday purchases, you may find that the Blue Cash Preferred ® Card from American Express  could be a value-added asset to your daily life.

Let’s talk about how easy it is to earn rewards on the Amex Blue Cash Preferred card, look at its redemption options, and peruse the travel and shopping benefits and protections that come with the card.

We’ll also look at a couple of alternative cards that could be a potential fit if you’re looking to make sure your everyday purchases ( and more ) get rewarded appropriately.

Blue Cash Preferred® Card from American Express

Blue Cash Preferred ® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

The Blue Cash Preferred ® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases , this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases , this could be the card for you!

  • 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
  • 6% cash-back on select U.S. streaming subscriptions
  • 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
  • 1% cash-back on all other purchases
  • $0 intro annual fee for the first year, then $95 annual fee ( rates and fees )
  • Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It ® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations.
  • 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred ® Card. That’s $10 in statement credits each month. Enrollment required.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred ® Card. Enrollment required.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 12 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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Redeem cash-back through your American Express account

  • Find the Amex Blue Cash Preferred $300 Welcome Bonus Offer
  • Find The No Annual Fee Welcome Bonus Offer for the Amex Blue Cash Preferred
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Earning Rewards

You’ll be earning cash-back in the form of Reward Dollars on every purchase you make with the Amex Blue Cash Preferred card. Thanks to its bonus categories of supermarkets, gas stations, and streaming services, it is one of the best cards for monthly bills .

Jumpstart your earnings with a welcome bonus shown below:

  • Earn a $250 statement credit after spending $3,000 in purchases in the first 6 months.

You will receive the offer in the form of a statement credit after meeting minimum spending requirements .

Earn up to $360 cash-back each year when you spend at U.S. supermarkets. You’ll earn 6% cash-back on up to $6,000 in purchases each card anniversary year. After that, supermarket purchases earn just 1% cash-back.

Note that warehouse clubs and stores such as Walmart and Target are not considered grocery stores.

Streaming Apps Google Play

For every dollar you spend on U.S. streaming services , you’ll receive 6 cents in cash-back . Examples of streaming services that earn this 6% cash-back include Netflix, Disney+, Hulu , Paramount+, Pandora, Spotify, Prime Video, and many more.

There is no limit on 6% cash-back earning for streaming services.

For those who spend a lot at gas stations and on transit, you’ll enjoy the unlimited 3% cash-back for every dollar you spend. Transit includes ride-sharing services (like Uber and Lyft ), buses, subway transport, parking, tolls, and much more.

Every purchase you make that doesn’t fall into 1 of the bonus earning categories earns 1% cash-back.

Note that the Amex Blue Cash Preferred card does charge a foreign transaction fee of 2.7% on “transactions converted to U.S. dollars” — meaning it may not be the best card for frequent travelers.

Bottom Line: With several bonus earning categories and up to 6% cash-back, earning lots of Reward Dollars with the Amex Blue Cash Preferred card for everyday purchases at grocery stores, on streaming services, at gas stations, and on transit  is a simple process.

Redeeming Rewards

Reward Dollars earned on the Amex Blue Cash Preferred card offer several options at redemption time.

Simplicity also rules when it comes time to redeeming your Amex Blue Cash Preferred card Reward Dollars. The cash-back you’ve earned can be used as a statement credit towards purchases — this couldn’t be an easier option if you value a straightforward redemption.

Reward Dollars must be redeemed in $25 increments .

You can redeem your Reward Dollars for merchandise and gift cards, or even at Amazon.com checkout , but make sure to always compare prices elsewhere.

For example, for merchandise, check other retailers to ensure the price you’re offered is a good one. You can always redeem your Reward Dollars for cash and purchase the item where you found the best deal.

Travel Benefits and Protections

Amex Car Rental Insurance

You’ll find a nice collection of travel perks and protections on the Amex Blue Cash Preferred card. Here are some of the core travel benefits you can expect.

If you book your prepaid hotel with AmexTravel.com  using your eligible card and find the same room advertised online for less, you could receive the difference in price (restrictions apply).

Cardholders receive Hertz car rental benefits including discounted pricing, additional driver fees waived, and a 1 car class upgrade for rentals 5 days or more.

Use your eligible card and code 705500 at booking.

Use your card to reserve and pay for your rental car, decline the agency’s collision damage waiver coverage, and receive secondary rental car coverage for damage, theft, and loss of use. Rentals of 30 days or less are covered, up to $50,000 per rental agreement.

Secondary coverage means that you must first file a claim with any other applicable insurance company.

Amex Blue Cash Preferred card members qualify to purchase Premium Car Rental Protection for a flat rate of $12.95 to $24.95 per rental period of up to 42 consecutive days in length.

Premium Car Rental Protection is primary car rental insurance, offering up to $100,000 in benefits. You do not have to file a claim with your own insurance company first when you purchase this coverage.

Receive help planning your trip or assistance services 24/7 when you’re traveling more than 100 miles from home.

Get help any time of the day or night with services that include legal and medical referrals, translation services, help to replace a lost passport, making emergency arrangements, and much more. Referral services are complimentary but cardholders are responsible for the cost of actual services.

Shopping Benefits and Protections

Apple Watch MacBook iPhone

Using your Amex Blue Cash Preferred card for shopping can save you plenty of money and offer protection for eligible items . Here are some of the benefits you’ll receive when shopping with your card:

The Amex Blue Cash Preferred card is currently offering:

  • 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99% ( rates & fees )

Enroll your Amex Blue Cash Preferred card for this offer (via your online card account) and receive up to $10 as a monthly statement credit for Equinox+ membership fees , up to a maximum of $120 per year.

Amex Offers allows you to enroll your card in special offers that can save you hundreds (even thousands) of dollars each year on specific purchases.

The American Express Auto Purchasing Program saves members money by offering discounted pricing on new car purchases. In addition, you may be able to pay up to $2,000 or more of the purchase price when using your Amex Blue Cash Preferred card.

It can be frustrating when a new item you purchased gets damaged or stolen. If you purchase a covered item with your Amex Blue Cash Preferred card, you will have coverage for damage or theft for 90 days from the purchase date . Benefit amounts are $1,000 per item , up to a maximum of $50,000 per eligible card.

Purchase an item with your eligible card and if within 90 days of purchase the merchant will not accept the return, you could receive up to $300 per item, up to a maximum of $1,000 in a calendar year per account.

Eligible items purchased with your card will have the manufacturer’s warranty of 5 years or less extended by 1 additional year . Benefit amounts are $10,000 per item, up to a maximum of $50,000 per account.

Cardholders receive access to presale ticket availability before the general public, member-only exclusive events, and priority event seating.

Receive free 2-day shipping and free returns with your complimentary ShopRunner membership . Just use your card to shop at over 100 different retail stores. Membership has a regular value of $79.

Bottom Line: The Amex Blue Cash Preferred card comes with travel assistance benefits, car rental coverage, money-saving shopping benefits, protections for eligible items purchased with your card, and more. A list of all benefits and protections can be found in the card’s guide to benefits. 

Additional Benefits

You can earn more cash-back at a faster rate by adding additional cardholders at no charge ( rates & fees) .

Alternative Card to the Amex Blue Cash Preferred Card

If you are considering the Amex Blue Cash Preferred card because of its earnings on everyday purchases such as U.S. grocery stores, you may find the American Express ® Gold Card a viable alternative.

American Express® Gold Card

American Express ® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

The American Express ® Gold Card  is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at Amex Travel
  • Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com , Milk Bar and select Shake Shack locations
  • Up to $120 in annual Uber Cash : get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
  • No foreign transaction fees (see rates and fees )
  • Access to Amex’s The Hotel Collection
  • Access to American Express transfer partners
  • $250 annual fee (see rates and fees )
  • No lounge access
  • Earn 60,000 Membership Rewards ® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards ® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards ® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards ® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express ® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
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Hot Tip:  Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

While earning cash-back rewards on the Amex Blue Cash Preferred card is simple, if you’re a traveler who enjoys earning elevated rewards on both everyday spending and on your travel purchases, the Amex Gold card could offer better value.

The Amex Gold card also earns valuable Membership Rewards points that can offer the potential for greater value when redeemed for travel via AmexTravel.com or by transferring points to the American Express transfer partners .

Can’t decide which card might be a better fit for you? Check out our comparison of the Amex Blue Cash Preferred and the Amex Gold card .

If you spend $6,000 a year at U.S. grocery stores, you’ll more than maximize the value of having the Amex Blue Cash Preferred card . The additional Reward Dollars you earn at U.S. gas stations, on streaming services, and on transit would be a plus and add even more value.

Keep in mind that this card does have an annual fee, so you’ll need to make eligible bonus category purchases to offset that cost or the card may not be worth it for you. It would take $1,584 in 6% cash-back purchases to offset the current annual fee.

While the card pairs well with those who want to earn rewards on everyday spending, it falls short for frequent travelers. If you travel often, the foreign transaction fees, lack of bonus earning on general travel purchases, and no flexible travel transfer or redemption options mean this card may not be the best fit if you.

However, the Amex Blue Cash Preferred card could make an appropriate companion card to a travel rewards credit card .

Frequent travelers may want to check out our recommendations for the best travel rewards cards .

If you are an Active-Duty U.S. military member, find out more about additional Amex Blue Cash Preferred military  benefits you can receive.

For rates and fees of the Blue Cash Preferred ® Card from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here .

Frequently Asked Questions

Is the amex blue cash preferred card worth it.

If you spend more than $1,584 at supermarkets and on streaming services each year, the Amex Blue Cash Preferred card is worth it. This is because the card charges an annual fee and you’ll need to spend that much on the card in 6% cash-back bonus categories to offset the current annual fee.

If you spend the maximum $6,000 at U.S. supermarkets, you will earn $360 in Reward Dollars. Additionally, the card earns an unlimited 6% on streaming services and 3% on transit and at gas stations.

How does cash-back on the Amex Blue Cash Preferred card work?

Cash back is earned on the card in the form of Reward Dollars. Once you have $25 in Reward Dollars accumulated in your account, you can redeem the dollars for cash-back statement credits.

Reward Dollars must be redeemed in increments of $25.

You can also redeem your Reward Dollars for gift cards or merchandise.

Does the Amex Blue Cash Preferred card earn Membership Rewards points?

The Amex Blue Cash Preferred card does not earn Membership Rewards points. The card earns cash-back in the form of Reward Dollars.

What credit score do I need to get the Amex Blue Cash Preferred card?

You will need a good to excellent credit score to be approved for the Amex Blue Cash Preferred card.

According to Experian, one of the nation’s major credit bureaus, a good credit score is defined as a score of 700 or above.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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While many cash back credit cards offer bonus rewards on groceries, few cards come anywhere close to the card_name . This card offers a whopping 6% cash back on up to $6,000 of annual spending at U.S. supermarkets and on select U.S. streaming subscriptions. Cardholders also earn 3% cash back at U.S. gas stations and on transit purchases, plus 1% cash back on all other purchases.

The high earning rates give the card a powerful punch when it comes to maximizing rewards on everyday spending and bills. There is a annual_fees annual fee, but it's waived the first year.

Blue Cash Preferred® Card from American Express

Time’s take.

Due to the stellar bonus earning rates on the card_name , you can quickly maximize your rewards on everyday spending and bills. That said, reward caps limit its potential, especially when it comes to grocery spending. The 6% cash back on up to $6,000 in spending at U.S. supermarkets per year (then 1% back), only works out to $500 in monthly spending on food and household supplies. That's not a big grocery budget to work with, as most families spend a lot more than that over a 12-month period.

Once you’ve reached the bonus maximums, the regular rewards rate of 1% cash back that applies is pretty disappointing. Of course, the bonus rewards on U.S. gas station and transit purchases can help, as can the card's welcome bonus and other benefits like the annual $84 Disney Bundle credit.

Blue Cash Preferred® Card from American Express: Pros & cons

  • High rewards rate for eligible supermarket, streaming subscription, and gas station purchases in the U.S.
  • Intro APR offer
  • Generous welcome bonus
  • Comes with a yearly Disney Bundle credit
  • Cardholders get purchase and return protection on eligible purchases
  • 6% bonus earning rate on groceries is capped at a $6000 annual spend
  • Shorter intro APR offer than other cash back credit cards
  • Charges foreign transaction fees
  • Must have good-to-excellent credit to be approved
  • An annual fee of annual_fees after the first year
  • Limited redemptions for rewards

Who is the card for?

The card_name is clearly targeted at families with big grocery and gasoline bills. But because of the requirement of having good-to-excellent credit, not everyone can qualify.

If you’re looking for a generous welcome bonus, the card_name delivers. New cardholders will bonus_miles_full . You'll earn hundreds of dollars in rewards if you can meet this requirement and spend to the cap on the 6% cash back categories. The welcome offer also waives the first year’s annual_fees annual fee.

It’s important to note that the 6% earning rate on select U.S. streaming subscriptions can be quite lucrative, due to the number of streaming platforms included. American Express has a long list of eligible streaming platforms on its website, including options like Amazon Music Unlimited, Apple Music, Disney+, Hulu, Kindle Unlimited, Netflix, YouTube Premium, YouTube TV, and more.

Unfortunately, the card_name offers fewer redemption options than many competing cards. Your only option is to receive Reward Dollars, which can only be redeemed for statement credits.

The card_name has some additional benefits that add to its value. These include:

  • $84 Disney Bundle credit : Cardholders automatically get a $7 monthly statement credit when they use their card to purchase a monthly subscription (auto-renewing) of $9.99 or more to the Disney Bundle, or any other monthly subscriptions or add-ons purchased at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
  • Global Assist hotline 1 : Cardholders can call into this hotline for emergency assistance with medical or legal referrals, translation services, and more.
  • I ntro APR : Cardholders automatically get intro_apr_rate,intro_apr_duration , followed by a reg_apr,reg_apr_type .

The fine print

The card_name comes with a standard set of potential fees and charges, including the following:

  • Balance transfers : A 0% intro APR offer applies to purchases and balance transfers. If you transfer a balance, there is a balance transfer fee of 3% of the amount transferred (minimum $5)
  • Carrying a balance : After the intro offer expires, all remaining balances are charged a variable APR of 19.24% to 29.99%.
  • Cash advances : Using this card for a cash advance can become expensive in a hurry. There is an upfront charge of 5% (minimum $10), and a cash advance APR of 29.99% with no grace period.
  • Late payments : Both late and returned payments can trigger a fee of up to $40.
  • Foreign transaction fees : This card charges a 2.7% foreign transaction fee, so it's not the best option for international travel.

Additional hidden perks

This credit card also has a few built-in consumer protections. These include:

  • Purchase protection 2 : Automatically receive coverage for damage or theft for eligible items purchased with the card for up to 90 days. This coverage is worth up to $1,000 per occurrence and up to $50,000 per calendar year.
  • Return protection 3 : This coverage can help you get reimbursed for items within 90 days of the purchase date when the merchant won't accept them back. This coverage is worth up to $300 per item and up to a maximum of $1,000 per year per account.

What could be improved?

In addition to the bonus-rewards caps on grocery spending, there are a few other notable downsides to be aware of. The first is that you can only redeem your rewards for statement credits. This is a major disadvantage compared to other cash back credit cards that let you use rewards for gift cards, merchandise, travel, and more.

Aside from that, it's worth noting that many other cash back credit cards offer 0% APR on purchases and balance transfers for a longer timeline. Choosing a card with a longer intro APR offer can help when it comes to debt consolidation and avoiding interest on new purchases for as long as possible.

Car alternatives

Bottom line.

The card_name is a solid choice if you want to maximize rewards on U.S. supermarket spending and don't mind redeeming your rewards for statement credits. Just remember that the bonus-rewards cap will limit your cash back potential. You may want to have another card handy that earns more than 1% cash back after you hit the annual $6,000 spending threshold.

Frequently asked questions (FAQs)

Is the card_name worth it.

The card_name is worth it for consumers who spend a lot at U.S. supermarkets and U.S. gas stations, as well as on popular subscription services. This is especially true during the first year when the annual fee is waived.

Is the card_name hard to get?

This card is geared toward consumers with good-to-excellent credit, so not everyone can qualify.

What is the credit limit on the card_name ?

American Express does not disclose a minimum or maximum credit limit for this card. Instead, it says your credit limit will be assigned based on your income, credit history, and other factors.

What are the benefits of the card_name ?

In addition to the welcome offer and high earning rates for bonus spending categories, cardholder benefits include an annual credit for the Disney Bundle, purchase protection, return protection, and an intro APR offer for purchases and balance transfers.

For rates and fees of the card_name , please visit this URL .

1 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.

2 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., 3 eligibility and benefit level varies by card. terms, conditions and limitations apply. please visit americanexpress.com/benefitsguide for more details..

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

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