Blue Cash Everyday® Card from American Express
American Express
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Full referral termsIs the Blue Cash Everyday Card from American Express right for you?
The Blue Cash Everyday is a no-annual-fee cash-back card from American Express. Its strongest everyday earning is 3% on gas, with 1% on most other purchases. With no fee, the question is simply whether 3% on gas beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on gas, where it earns 3%
- ✓ Anyone who wants gas rewards without paying an annual fee
Who should skip it
- — People who don't want to track monthly credits
- — Heavy spenders outside gas — everything else earns 1%
First-year value estimate
Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in gas (3%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
- Recurring credits are listed separately below and are not counted here.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-05-08.
How the fee is offset by credits
With no annual fee, any credit you use is pure upside.
| Credit | Terms | Per year (face value) |
|---|---|---|
| Home Chef Credit | $15 per month, enrollment required | $180 |
| Disney Bundle Credit | $7 per month, enrollment required | $84 |
| Total face value | $264 | |
How it compares
Rules and gotchas
- The welcome bonus requires $2,000 in 6 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.
- 2 of the listed credits require enrollment before they work.
Frequently asked questions
- Does the Blue Cash Everyday have an annual fee?
- No. Our record lists a $0 annual fee for the Blue Cash Everyday.
- What does the Blue Cash Everyday earn?
- 3% on groceries, 3% on gas, 2% on dining, and 1% on other purchases.
- Is the Blue Cash Everyday worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in gas), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
- What credit do I need for the Blue Cash Everyday?
- Our record lists "Good" credit as the typical target for the Blue Cash Everyday. American Express makes the final decision based on its own criteria.
Earning Rates
Benefits & Credits
Up to $7/month statement credit on Disney+, Hulu, or Plus.espn.com U.S. subscriptions or bundles. Enrollment required.
/monthUp to $15/month statement credit on Home Chef meal solutions purchases. Enrollment required.
/monthInsurance
Sources
- https://thepointsguy.com/credit-cards/blue-cash-everyday/
- https://www.americanexpress.com/us/credit-cards/card/blue-cash-everyday/
- https://www.doctorofcredit.com/american-express-blue-cash-everyday-250-signup-bonus/
Last Updated: May 8, 2026