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American Express Blue Cash Everyday: A Great Cash Back Card!

The Blue Cash Everyday® Card from American Express is one of the most popular cash back credit cards on the market today.

American Express has two similar cards available. The American Express Blue Cash Everyday® Card has no annual fee, while the Blue Cash Preferred® Card has a $75 annual fee.

The particular card which is right for you will depend on your usage. If you are one who uses your card a lot throughout the year, the additional rewards earned with the Preferred card will certainly offset the $75 annual fee.

In this article we provide a review of the American Express Blue Cash Everyday® Card. This card is available only to those US residents who have an excellent credit score.

American Express Blue Cash Everyday® Card will certainly be the card of choice for those who enjoy cash rebates and appreciate the additional benefits of an American Express card without paying any annual fees.


Most Advantageous Features of This Card:

  • 0% introductory APR on balance transfers and purchases for 15 months

For the first 15 months you will pay absolutely no interest on balance transfers or on purchases made with the card. Once your 15 month introductory period has ended, the variable APR will be 12.99% to 21.99%, which is calculated based on your credit worthiness.

This card also offers the option to extend payments over time. Keep in mind, however, that paying your statement balance in full each month makes the APR of no concern to you.

  • Straightforward Rewards

One of the most attractive features of this card is the no-nonsense cash rewards program. With no minimum spending requirements, and no rotating categories or quarterly enrollment as with many other cash back credit cards, this card has it all!

  • Up to 3% Cash Back on Purchases

With the American Express Blue Cash Everyday® Card you have the opportunity to earn 3% cash back on purchases made at US stand-alone supermarkets. The 3% cash back will apply to the first $6,000 spent, thereafter your cash back earnings will be 1%.

Additionally, you will earn 2% cash back at select major department stores as well as at US stand-alone gas stations. All remaining eligible purchases earn 1% cash back.

With the American Express Blue Cash Everyday® Card there are never any minimum spending requirements to earn your cash back, nor will you have to deal with the inconvenience of remembering to enroll for each new quarter’s rewards.

  • Earn 50 Reward Dollars

When you spend $1,000 on purchases within the first three months using your new card you will earn a bonus of 50 Reward Dollars. This offer is only available for new sign-ups.

  • No Annual Fee

There are no annual fees associated with the American Express Blue Cash Everyday® Card.

American Express is well known for having the best customer service in the industry. With this card you get all the great benefits of an American Express card, as well as award-winning customer service, all without having to pay any annual fees.

  • Ease of Redeeming Rewards

Once you have accumulated a minimum of $25 in Reward Dollars, you may begin redeeming your cash back at anytime. Your Reward Dollars may be redeemed in the form of statement credit, and so long as your account is in good standing, you may also choose to redeem Reward Dollars for merchandise and gift cards.

  • No Limit on Cash Rewards

With no limits on the rewards you may earn, this means you have the ability to make the most of your cash back whenever you purchase high dollar items using your card. Over time, as all of your purchases are totaled up, you will enjoy the benefits of earning unlimited cash rewards.

  • Free Amazon Prime for One Year

With Amazon Prime you will enjoy the convenience of unlimited free two-day shipping on all purchases made from Amazon.com To be eligible for this you will need to sign up for a new membership and spend $1,000 on your new card in the first 3 months of card membership.

   

Additional Benefits of This Card:

  • Free Extended Warranty

American Express may extend the original US warranty by up to one year, of items purchased which have a warranty of 5 years or less.

  • Purchase Protection Plan

This plan has the potential to protect you in the event of accidental damage or the theft of your eligible purchases, up to $1,000 per occurrence, and up to $50,000 per card account per policy year. You will need verifiable documentation as to the nature of the damage or theft.

  • Return Protection

If you have changed your mind regarding a purchase, and are unable to return it due to the receipt being lost, or the merchant for whatever reason declines to take the item back, not to worry! American Express may actually be able to provide a refund of the purchase price up to a maximum of $300 per item, excluding shipping and handling charges, and up to a maximum amount of $1,000 annually per card account. The eligible purchase must have been made using your American Express Blue Cash Everyday® Card, the item must have been purchased in the US, and the item must be returned within 90 days of the purchase date.

  • Flexibility to Pay Over Time

American Express Blue Cash Everyday® Card is not a charge card, but rather a credit card. This means that you will have the option to pay your balance over time. However, keep in mind this alternative will cause you to pay a lot of extra money in interest charges over time as well.

  • No Over Limit Fees

American Express has done away with over limit fees. This can be helpful if you occasionally get carried away and spend a bit more than the available credit on your card. So long as you pay the amount due, and your payment is made on time, you will not incur additional fees on your over limit spending.

   

Summary:

Blue Cash Everyday® Card from American Express is definitely one of our favorite cash back credit cards. You will earn a generous 3% cash back on the first $6,000 in grocery purchases at US stand-alone supermarkets and 1% cash back on grocery purchases in excess of $6,000.

You will also earn 2% cash back on gasoline purchases at US stand-alone gas stations as well as 2% cash back on purchases made at selected major department stores and 1% cash back on all of your remaining purchases.

American Express Blue Cash Everyday® Card is highly recommended for anyone who appreciates earning up to 3% cash back on purchases with no minimum spend requirements, and without the hassles of enrolling for each new quarter’s rewards.


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