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Cashback on essentials, no fees.
With the Blue Cash Everyday®, you earn cash back on essential shopping categories like grocery stores, gas stations, and online shopping without having to worry about rotating categories or annual fees.
Each year, you can earn up to $6,000 on purchases in each of these categories and earn 3% cash back on those purchases.
The card also has no annual fee, which makes it even more attractive for those who want to optimize their spending without worrying about extra fees and an excellent option for those who want to earn rewards on everyday purchases.
American Express Blue Cash
Hassle-free redeeming rewards Annual feeHow does Blue Cash Everyday® work?
Blue Cash Everyday® from American Express is a credit card that offers cash back on essential everyday categories.
The main attraction of this card is the 3% reward back at US supermarkets, US gas stations and US online purchases, with a limit of up to $6,000 per year in each category.
Additionally, it offers 1% cashback on other purchases.
The card allows you to accumulate the value in “Reward Dollars” and use them as credit on your statement.
There is no minimum value to redeem, and you can use the points as needed. This makes Blue Cash Everyday® an attractive option for those who want a practical and simple rewards solution.
Additionally, cardholders earn a $200 credit after spending $2,000 on purchases in the first 6 months.
Main benefits of Amex Blue Cash
The main benefit of Blue Cash Everyday® It’s the opportunity to earn cash back on essential everyday categories, which is ideal for those who regularly spend on supermarkets, gasoline and online shopping.
Earning 3% back in these categories up to $6,000 per year is a great way to save, especially for families who shop frequently at these locations.
After reaching the limit of $6,000 per category, cashback decreases to 1%, but it is still advantageous for purchases you make regularly.
Another attractive benefit is the possibility of accumulating rewards in a simple way, without having to worry about monthly changes in bonus categories, as is the case with other cards.
When you use the card, you know exactly where you can earn the greatest benefits.
Furthermore, with credit of up to US$84 for the Disney Bundle and up to US$180 for Home Chef, the card becomes even more advantageous, as these credits help cover the costs of entertainment and meals, improving the cardholder’s living experience.
An absence of annual fee It’s definitely a plus, as many credit cards that offer attractive rewards end up offsetting this with a high annual fee.
In the case of Blue Cash Everyday®, you can enjoy its benefits without paying for it, which makes this card an excellent option for those who don’t want to pay extra fees and still receive good returns on their purchases.
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Cons of Amex Blue Cash
The first downside to consider is the $6,000 annual limit on each of the rewards categories, such as grocery stores, gas stations, and online shopping.
This limit can easily be reached by people who spend a lot in these areas, causing the 3% cashback to turn into 1% after reaching the cap.
Another point to consider is that Blue Cash Everyday® only offers 3% cashback on purchases made at supermarkets, gas stations and online purchases in the United States.
APR and Fees
The Amex card offers a 0% APR rate for the first 15 months for purchases and balance transfers, which is an excellent opportunity for those who want to postpone paying interest on their purchases.
This initial fee helps reduce the cost of purchases made at the beginning of using the card, allowing you to spend more time paying off your debt without accruing interest.
However, after the introduction period, the variable APR rises to 18.24% to 29.24%, which is relatively high.
Therefore, it is important to pay off the full balance before the end of the 0% APR period to avoid high interest.Regarding fees, the Blue Cash Everyday® has no annual fee, which makes the card even more advantageous.
How to apply for the Amex Blue Cash Everyday®
If you are interested in requesting the Amex Blue Cash Everyday® card, the registration process is quite simple and can be done directly on the American Express website.
To get started, you will need to fill out an online application providing some personal information such as your name, address, credit history and annual income.
It is also important to know that American Express requires good credit for approval, so it’s essential to ensure your credit score is in good shape before submitting your application.
After submitting your application, you will receive a response from American Express within a short time letting you know whether your application has been approved.
