How to Apply for your American Express Blue Cash Everyday Card
If you want cash back without an annual fee, consider the Blue Cash Everyday Card from American Express. It offers boosted rewards at U.S. supermarkets, gas stations, and online purchases, along with a favorable intro APR on purchases and balance transfers. It’s a great option for earning rewards on your everyday spending.
American Express Blue Cash Everyday Card
The Blue Cash Everyday Card from American Express is a great choice for people with good to excellent credit. It has no annual fee and offers 0% APR on purchases for the first 15 months. Plus, if you spend $2,000 in the first 6 months of card membership, you’ll get $250 back. You also get 3% cash back at U.S. supermarkets and bonus rewards on things like gas and online shopping. After the introductory period, the interest rate varies from 19.24% to 29.99%. It’s a card that rewards your everyday spending without charging you an annual fee, making it a smart pick for anyone looking for value and convenience in managing their finances.
Benefits of American Express Blue Cash Everyday Card
Sign-up Bonus
The Blue Cash Everyday Card from American Express offers a solid sign-up bonus: Earn a $250 statement credit after spending $2,000 on your new Card within the first 6 months.
Earn Cash Back
Eligible purchases for cash back rewards on the Blue Cash Everyday Card from American Express include purchases for goods and services, excluding returns, and other credits.
Basic Card Members can earn rewards as follows:
- 3% cash back on up to $6,000 per year in purchases at U.S. supermarkets (excluding superstores, convenience stores, warehouse clubs, and meal-kit delivery services), then 1%.
- 3% cash back on up to $6,000 per year in U.S. online retail purchases, then 1%.
- 3% cash back on up to $6,000 per year in gasoline purchases at U.S. gas stations (excluding superstores, supermarkets, and warehouse clubs that sell gasoline), then 1%.
- 1% cash back on all other eligible purchases.
Cash Back Program – Amazon redemptions
With the Cash Back Program on their Blue Cash Everyday Card from American Express, individuals can utilize Reward Dollars for eligible items at Amazon.com checkout. Here’s how it works:
- When Reward Dollars are used at Amazon, the Card Account will be charged for the purchase.
- The Reward Dollars will be deducted from the available balance on the Card Account.
- A credit will subsequently be applied to the Card Account to reflect the Reward Dollars used.
If the Reward Dollars do not cover the entire cost of the purchase, the remaining balance will be charged to the Card Account unless the individual opts to pay the difference with an Amazon Gift Card.
Complimentary ShopRunner membership:
Individuals can enjoy the benefits of a complimentary ShopRunner membership, gaining access to free two-day shipping on eligible items across a network of over 100 online stores. Simply enroll in the complimentary ShopRunner membership to take advantage of this offer.
Global Assist Hotline
Individuals traveling more than 100 miles from home can access coordination and assistance services through the Global Assist hotline. This includes support such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals.
Purchase Protection
Eligible purchases are covered from damage, loss, or theft with purchase protection for up to 90 days from the Covered Purchase date.
American Express Experiences
Cardholders can access exclusive ticket presales and card member-only events through American Express Experiences. This feature offers a wide range of events including sports events, Broadway shows, concerts, and various other experiences, providing cardholders with a unique and privileged access.
Car Rental Insurance
When you rent a car using your Blue Cash Everyday Card from American Express, you can decline the rental company’s optional insurance coverage. This coverage provides you with added peace of mind during your rental period. You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.
Eligibility Criteria for American Express Blue Cash Everyday Card
To qualify for the Amex Blue Cash Everyday Card, you’ll typically need a good credit score of 690 or higher. Additionally, you should have a steady income, be at least 18 years old. And possess a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN). Meeting these requirements increases your chances of approval for the card. Also, you need to be a legal resident of the United States.
Who is the card for?
The American Express Blue Cash Everyday card is ideal for individuals who want to earn rewards on specific spending categories like groceries, gas, and online shopping. With no annual fee and an introductory APR offer on purchases and balance transfers, plus the added benefits of being an American Express cardmember, it’s a great choice for those seeking value and convenience.
Pros and Cons of the American Express Blue Cash Everyday Card
Pros
- Earn generous rewards, especially in bonus categories like groceries, gas, and online shopping.
- Take advantage of a promotional period with 0% APR on purchases and balance transfers in the first 15 months.
- American Express Experiences
Cons
- Approval typically requires at least a good credit score.
- There are limits on how much you can earn in bonus categories, after which the rewards rate decreases.
How to apply for the American Express Blue Cash Everyday Card
- Visit the American Express Blue Cash Everyday Card Page
- Press the button “Apply now”
- Fill out the application form with the information requested like address, income, age, residency
- Review your application carefully, to have a more accurate information
- Submit the form
- Wait for approval
Fees and Rates
Interest Rates
- Annual Percentage Rate (APR) for purchases and balance transfers: 19.24% to 29.99%, based on your creditworthiness
- Introductory Offer: Enjoy 0% APR on purchases and balance transfers for the first 15 months.
- APR for cash advances: 29.99%
- Penalty APR: 29.99%
Fees
- Annual fee: $0.
- Balance transfer fee: Either $5 or 3% of the transfer amount, whichever is greater.
- Cash advance fee: Either $10 or 5% of the cash advance amount, whichever is greater.
- Foreign transaction: 2.7% of each transaction after conversion to US dollars
Customer Service
Download the AMEX Mobile App and you can chat with customer service.
You can call in the U.S. at 1-800-528-4800, if you’re already a card member, and 1-888-297-1244 to apply for this card.
