Blue Cash Everyday Card Credit Card

Blue Cash Everyday Card

Last Updated: 02/24/2026

Rating
3.8 / 5
Sign Up Bonus
Up to $200
Annual Fee
$0
Credit Score
Good

Summary

Sign-Up Bonus
1.5
Spending Multipliers
4
Credits & Features
3
Fees
4.5
Application
5
Issuer
NaN

The American Express Blue Cash Everyday Card is a no annual fee cash back credit card designed for budget-conscious families, students, and everyday spenders who want solid rewards on common household purchases without paying a yearly fee. This card stands out for offering bonus cash back in popular U.S.-based spending categories while still providing valuable perks like free additional cardholders and purchase protection up to $1,000 per occurrence ($50,000 per calendar year). Cardholders can also take advantage of a $7 monthly Disney Bundle credit—an uncommon benefit for a no annual fee card—along with car rental loss and damage insurance coverage. However, elevated rewards are limited to U.S. purchases, all non-bonus spending earns just 1% cash back, and the 2.7% foreign transaction fee makes it less suitable for international travel. Overall, the American Express Blue Cash Everyday Card is best for U.S.-based consumers seeking a straightforward cash back card with light perks and no annual fee commitment.

Pros

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No annual fee
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Credits for services despite being a no annual fee card
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Free additional cardholders
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Purchase protection up to $1,000 per occurrence and $50,000 per calendar year

Cons

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Welcome offer may not be available to all applicants
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Elevated spend multipliers are limited to US only
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2.7% foreign transaction fee
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1% catch all category

Issuer

Spending Multipliers

Credits & Features

$7 monthly Disney Bundle credit
Car Rental Loss and Damage Insurance coverage

Application

  • Welcome offer can only be received once in a lifetime
  • Opening this might card effects your welcome offer eligibility on other cards in the same family
  • Number of hard pull are usually irrelevant for American Express
  • Consider having at least a credit history for 3 months and avoid applying to different cards in the same card family for at least 90 days
  • American Express limits customers to 5 credit cards

Fees

  • No Annual Fee
  • 2.7% Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.49% - 28.49% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.49% - 28.49% APR for Balance Transfers
  • $5 or 3% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process