Blue Cash Everyday® Card from American Express
No-Fee Cash Back Card for Everyday Spending
Annual Fee
$0
Earning Rate
3% groceries • 3% online retail • 3% gas (up to $6k/year each) • 1% everything else
Welcome Bonus
$200 after $2,000 spend in 6 months
Card Material
Plastic card with matte finish
Practical Recommendation
This is an easy keeper if your spending lives in groceries, gas, and online shopping. No annual fee, simple cash back, and the caps are big enough for most households.
If you max the 3% categories, great; after $6,000 per category per year, rotate to a different card. Bottom line: a straightforward starter or forever-no-fee card.
Credits
Practical Advice
This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.
- $84 Disney Streaming Credit – Up to $7 per month back when you pay for eligible Disney streaming (Disney+, Hulu, ESPN+) with your enrolled card. Enrollment required. The credit posts as a statement credit after the charge; no hoops beyond using the card. Gotchas: applies to eligible Disney streaming purchases; terms change, so check the current list. Practical value: nice if you already pay for Disney services; $0 if you don't. — See Disney credit terms
- $180 Home Chef Credit – Up to $15 per month back on Home Chef subscriptions when you use your card and enroll. Works on eligible charges made online at HomeChef.com after enrollment. Gotchas: subscription required; credits do not roll; limited to eligible online purchases; availability varies by state. Practical value: great if you already use Home Chef; skip if meal kits aren't your thing. — See Home Chef credit
Click Here to Calculate Your Annual Fee
Credit
Include
Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Disney Streaming Credit
| What It Is: | $7 in monthly statement credits (up to $84 per year) on eligible Disney streaming purchases when you use your enrolled card. |
| How It Works: | Enroll, pay for eligible Disney+, Hulu, ESPN+ (including bundles) with this card; a statement credit posts after the charge. |
| Gotchas: | Applies to eligible Disney streaming only; terms and covered plans can change; credits don't roll over; enrollment required. |
| Who Actually Benefits: | Households already paying for Disney streaming every month. |
| Practical Value: | Easy $84/year if you subscribe; $0 if you don't. |
$0
Include:
Your Value:
$0
Home Chef Credit
| What It Is: | $15 in monthly statement credits (up to $180 per year) on a Home Chef subscription when paid with your enrolled card. |
| How It Works: | Enroll, order at HomeChef.com, and pay with this card; credits post after eligible charges each month. |
| Gotchas: | Subscription required; must order via HomeChef.com; credits don't roll; geographic availability limits. |
| Who Actually Benefits: | People who already use (or want to try) Home Chef regularly. |
| Practical Value: | Easy $180/year if you're a meal-kit person; otherwise $0. |
$0
Include:
Your Value:
$0
Annual Fee:
$0
Your Credits:
$0
YOUR Annual Fee:
$0
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning rates (detailed) – 3% at U.S. supermarkets, 3% at U.S. online retail purchases, 3% at U.S. gas stations (each up to $6,000 per year, then 1%); 1% on everything else. Simple cash back as statement credits.
- Amex Offers – Targeted rebates at select retailers and services. Why use it: real cash savings on stuff you might buy anyway. Catch: activation required per offer; expiration and caps apply. — See Amex Offers
Protections
- Purchase Protection – Covers theft or accidental damage for new purchases for up to 90 days. Why it matters: helps when something you just bought gets damaged or stolen. Limits and exclusions apply (per-item and annual caps). — See Purchase Protection terms
- Car Rental Loss & Damage Insurance (secondary) – Coverage for damage or theft of a rental car when you pay with the card and decline the rental company's collision damage waiver. Why use it: can save you from buying the rental counter's add-on. Catch: secondary coverage; liability not included; vehicle and country restrictions apply. — See Car Rental LDW terms