Blue Cash Everyday®
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Blue Cash Everyday® from American Express earns up to 3% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit..
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
What does the Blue Cash Everyday earn in each category?
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Blue Cash Everyday compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 3x among the top bonus.
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Blue Cash Everyday compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 3% back | 3% Top category |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 3% back | 3% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Blue Cash Everyday reward caps and conditions?
The Blue Cash Everyday has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 3% cash back on gas at U.S. gas stations, on up to $6,000 per calendar year in purchases (then 1%) Capped at $6000 per year.
- Earn 3% cash back at U.S. supermarkets on eligible purchases, on up to $6,000 per calendar year in purchases, (then 1%) Capped at $6000 per year.
- Earn 3% cash back on U.S. online retail purchases, on up to $6,000 per calendar year in purchases (then 1%) Capped at $6000 per year.
Who should get the Blue Cash Everyday?
The Blue Cash Everyday fits spenders who put meaningful volume in grocery and can earn 3% back. Best for spenders who put meaningful volume in grocery and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Blue Cash Everyday is a straightforward no-annual-fee cash-back card for U.S. supermarkets, gas, and online retail when purchases code correctly. Madeen compares its effective rate against Custom Cash and flat-rate cards in your wallet.
Best for spenders who put meaningful volume in grocery and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
A sensible no-fee grocery and everyday card; compare against Preferred and your 2% fallback before checkout.
Pros
- No annual fee with useful supermarket and online retail bonuses under current Amex terms
- Cash back is easier to value than points for many households
Cons
- Bonus caps and merchant coding limit the headline rates
- Blue Cash Preferred can beat it on heavy supermarket spend if the fee math works
What is the Blue Cash Everyday welcome bonus?
In Madeen's catalog snapshot, the Blue Cash Everyday welcome offer is Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.. Minimum spend, eligibility, and offer windows are set by the issuer and can change —.
- Offer
- $200
- Terms (catalog snapshot)
- Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
- Minimum spend
- $2,000
- Window
- 6Months
Does the Blue Cash Everyday have an annual fee?
The Blue Cash Everyday has an annual fee of $0 and a foreign transaction fee of $2.70. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2.70
What benefits come with the Blue Cash Everyday?
The Blue Cash Everyday includes $120 Disney Streaming Credit, $180 Home Chef Credit, Car Rental Loss and Damage Insurance in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Protection
$10,000/yrShop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.
$120 Disney Streaming Credit
$1,440/yrGet up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.
$180 Home Chef Credit
$180/yrChoose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.
Car Rental Loss and Damage Insurance
$40/yrGetting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Global Assist® Hotline
$25/yrLose your wallet? Need a medical referral? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. Global Assist Hotline can even help you prepare for your trip with customs information and more. Card Members are responsible for the costs charged by third-party service providers.
ShopRunner
$25/yrGet free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner. Enroll in complimentary membership as a benefit of your eligible Card.
Related encyclopedia topics
Common questions about the Blue Cash Everyday
Where do cardholders spend most with the Blue Cash Everyday?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (3x), online marketplaces (3x), gas (3x) for the Blue Cash Everyday. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is Blue Cash Everyday a good credit card?
To maximize the Blue Cash Everyday, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
Is a blue cash everyday card hard to get?
To maximize the Blue Cash Everyday, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
What is the credit limit on the Blue Cash Everyday card?
To maximize the Blue Cash Everyday, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
Does the Blue Cash Everyday have an annual fee?
The Blue Cash Everyday carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Blue Cash Everyday?
Grocery is the strongest Madeen category for the Blue Cash Everyday at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
How does the Blue Cash Everyday compare to similar cards?
Compare the Blue Cash Everyday against Blue Cash Preferred (6% on Grocery, $95 fee); Morgan Stanley Blue Cash Preferred Card (6% on Grocery, $95 fee); Amex EveryDay Preferred (1.8% on Grocery, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Blue Cash Everyday This card | Grocery | 3% | $0 |
American Express | Grocery | 6% | $95 |
American Express | Grocery | 6% | $95 |
American Express | Grocery | 1.8% | $95 |
American Express | Grocery | 1.2% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
Related Madeen guides
23 blog mentions; showing 20 linked guides.
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure