Blue Cash Everyday Credit Card Review

Blue Cash Everyday Credit Card Review

Blue Cash Everyday Credit Card If you’re looking for a credit card that gives you cash back on a variety of everyday categories but doesn’t want to be charged an annual fee The Blue Cash every day (r) Card from American Express is a worthy option. With higher earners in U.S. supermarkets, U.S. gas stations, and some U.S. department stores, as well as a good initial APR that is attractive, this card is a great choice for those who want to earn rewards from your typical household expenses.

Blue Cash Everyday Credit Card

Pros

  • No annual cost
  • The first APR promotional offer for purchases
  • Over-average incomes in U.S. supermarkets, gas stations, and some department stores.

Cons

  • Earnings at U.S. supermarkets are capped at $6,000 per year.
  • Rewards earned outside of bonus categories is only 1cent cash back
  • Redemptions start with a minimum amount of $25.

Highlights

Blue Cash Everyday Card Blue Cash Everyday Card will likely appeal to those looking for an account that can provide discounts on their most frequent expenditures, but doesn’t wish to pay an annual fee to enjoy the privilege. If you’re unable to bear the thought that you’ll have to pay an annual charge for a credit card and a significant portion of your budget for household expenses is devoted to filling up the fridge, refilling it at the pump or your closets with clothes This card is sure to satisfy the necessary criteria.

The welcome bonus could also land some cash back into your pocket of 200 dollars as a credit on your statement when you spend $2,000 in purchases within the first six months of membership. The card also offers an initial APR discount for purchases which could help save money if you are planning to make a major purchase in the near future. You can enjoy a 0% intro APR of 15 months on your purchases starting from the day the account was opened, and after that an adjustable rate of 13.99 percent to 23.99 percent is available.

However, it is important to know that when your spending exceeds $61 per week on groceries or other grocery items, in the long run, Blue Cash every day’s sibling card that is called Blue Cash Preferred(r) Card, Blue Cash Preferred(r) Card from American Express will net more cashback in spite of the non-existent annual fee that is introductory in the initial year. and then the annual fee of $95. (Terms apply. Please refer to rates and charges).

At a Glance

  • No annual cost
  • A decent welcome bonus You will receive $200 in the form of a credit on your statement after you’ve made $2,000 in purchase within the first six months of membership
  • Earn cash-back of 3% in U.S. supermarkets (on up to $6,000 annually in purchases, and then at 1%) and 2.2% cashback in U.S. gas stations and at selected U.S. department stores and a cashback of 1% on all other purchases. Cashback is earned in Reward Dollars which can easily be exchanged for credit on statements
  • APR introductory 0% of 15 months on all purchases starting from the date of account opening after which a variable APR of 13.99% up to 23.99% is available.

Rewards

Earning Rewards

The Blue Cash Everyday card is rewarded at the following rates 3 percent cash back in U.S. supermarkets (on up to $6,000 in purchases, and then the rate is 1%) and 2 percent cash back at U.S. gas stations and at certain U.S. department stores and cashback at 1% on all other purchases. Cashback is credited in Reward Dollars, which can easily be exchanged for credit on your statement.

When you first sign up for a card, you will also be eligible for the following welcome bonus $200 by way of statement credit following making purchases of $2,000 within the first six months of membership.

Redeeming Rewards

The cash earned is deposited into Your account in the form of Blue Cash Rewards Dollars. You can cash out your Rewards Dollars when you’ve earned a minimum of $25 in order to get credit on your statement. Remember that you aren’t able to redeem this cashback toward the minimum amount due.

Because Blue Cash Everyday Card Blue Cash Everyday Card is a cash-back credit card only, the rewards you earn can’t be transformed to Membership Rewards point or added to the rewards of Membership Rewards-earning card.

Rewards Potential

Forbes Advisor uses data from different government agencies to establish an average baseline for income and spending across different categories. The 70th percentile of wage-earners make $100,172 annually and we base our sample of household spending on this figure.

Based on the Forbes Advisor’s estimates The sample household we have chosen to use Forbes Advisor’s estimates $5,687 shopping at the grocery store per year, and earning $170.61 in cash. Additionally, the family is spending $2,687 at fuel stations, and $2,377 in department stores that will bring $101.20 money back. Be aware of the fact that American Express categorizes department stores as narrowly, meaning that stores usually sell clothes and household goods.

Forbes Advisor estimates that an additional $15,659 is able to be billed to a credit card for categories that are not bonused, which could earn $156.59 in cash back. The total amount of cashback earned by our household is $428.40 cashback in a year, which does not include an initial welcome offer. Since everyone’s spending habits are different We suggest you take a look at your spending habits and evaluate the rewards for each card you’re contemplating.

0% Introductory Rates

Blue Cash Everyday card comes with an introductory rate. New cardholders receive zero APR intro up to 15 months for purchases beginning from the day of account opening. Following that, an adjustable-rate of 13.99 percent to 23.99% is applicable.

Other Card Benefits

      • Auto Rental Insurance: When you use your credit card to rent a car and refuse to sign a collision-damage waiver when you arrive at the counter, you can be offered additional auto insurance within a territory that is eligible. The terms and conditions apply.
      • The Global Assistance Hotline If you’re over 100 miles away from home, get access to assistance and coordination services like assistance with replacing your passport, lost passports as well as translation services, lost luggage assistance, as well as emergency medical, and legal assistance.
      • Purchase Protection Protects purchases that are eligible for loss, damage, or theft. Terms Apply.
      • American Express Experiences: Receive exclusive access to presale tickets along with invitations to American Express cardmember-only events.
      • Amex Deals You can save money by taking advantage of specific Amex deals for cardholders with an active Amex credit card.

Fine Print

Interest Rates

      • Regular APR: 13.99%-23.99% Variable
      • The Purchase In-Prime APR is Zero on all purchases during 15 month
      • Balance Transfer Intro APR: N/A

Fees

      • Annual Fee: $0
      • Balance Transfer Fee: N/A
      • Cash Advance A minimum of $10 or percent of the amount of cash advance which is the greater amount.
      • Foreign Purchase Transaction Fee 2.7 percent of each transaction following conversion into US dollars.

Terms and conditions apply. Check the rates and fees.

American Express

The Blue Cash preferred credit card (Terms are in effect. Please refer to rates and charges) is the better choice in spite of the zero annual fee that is introductory in the initial year, after which it will cost them $95 annual fee after that. . It’s due to the higher rewards earning possibilities: 6 percent cashback in U.S. supermarkets on up to $6,000 in purchases (then 1percent) in cashback on selected U.S. streaming subscriptions, the cashback is 3% on purchases at U.S. gas stations and on transportation (including taxis/rideshares, parking, trains, tolls and many more) and cashback of 1% on purchases made with another credit card. Cashback is given by way of Rewards Dollars, which can be used as an account credit on your statement.

If the goal of having cash-back cards is to earn the most money you can from it as you possibly can then the Everyday Preferred offers higher rewards across a wider range of categories.

Blue Cash every day (r) Card issued by American Express vs. Capital One SavorOne Cash Rewards Credit Card

If you are a fan of a cash-back rewards no-annual-fee card, but your spending habits do not align with the Blue Cash every day is offering look into this card Capital One SavorOne cash-back credit card.

It earns the cashback of 3% on entertainment, dining streaming services, and food stores (which excludes stores like Walmart as well as Target) along with 1% on other purchases. Additionally, earn 8% cashback on tickets purchased at Vivid Seats from January 2023 to.

Blue Cash every day (r) Card issued by American Express vs. Citi(r) Double Cash Card

If you’re not a fan of having various rewards across different categories of your spending and need a cash-back card that is all-around valuable This card Citi Double Cash Card gives you an average of 2% cashback for all of your purchases. Earn 1% each time you purchase items in addition to 1% each time you pay for your purchase.

There’s no annual cost and the card includes the option of transferring balances with 0% Intro APR for a period of 18 months starting from the date of account opening for balance transfers. After that, the normal APR of 13.99 percent (Variable) – 23.99 percent (Variable) applies.

Is The Card For You?

It is the American Express Blue Cash Everyday Card is an excellent option for people who wish to earn rewards but not pay an annual fee, and who spend a large part of their household budget on supermarkets department stores, department stores, and gas stations across the U.S.

If you’re spending lots of money in these stores then it might make sense to choose The Blue Cash Everyday Preferred Card because of its higher-quality rewards structure. If your primary expenditures are not in the areas of gas, groceries as well as a department store, a different card is likely to be more suitable.

To see rates and charges for the Blue Cash Preferred(r) Card offered by American Express, please visit this page.

To check fees and rates for the Blue Cash every day (r) Card issued by American Express, please visit this page.

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