| Category | Rate | Type | Cap |
|---|---|---|---|
|
U.S. Supermarkets
3% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases, then 1%. Excludes superstores (Walmart, Target) and warehouse clubs (Costco, Sam's Club, BJ's). Includes online grocery orders placed with U.S. supermarket merchants.
|
3x | Cash Back | $6,000/yr |
|
U.S. Gas Stations
3% cash back at U.S. gas stations on up to $6,000 per year in eligible purchases, then 1%. Does not include gas purchased at superstores, supermarkets, or warehouse clubs.
|
3x | Cash Back | $6,000/yr |
|
U.S. Online Retail Purchases
3% cash back on U.S. online retail purchases on up to $6,000 per year in eligible purchases, then 1%. Eligible purchases must be made from U.S. retail merchants selling physical goods online and categorized as an internet transaction. Excludes restaurants, supermarkets, gas stations, automotive dealers, travel, entertainment, and service purchases. Mobile/digital wallet in-store payments, phone/mail orders, and third-party BNPL installment purchases do not qualify.
|
3x | Cash Back | $6,000/yr |
|
U.S. Supermarkets (After Cap)
1% cash back at U.S. supermarkets after the $6,000 annual spending cap is reached.
|
1x | Cash Back | No cap |
|
U.S. Gas Stations (After Cap)
1% cash back at U.S. gas stations after the $6,000 annual spending cap is reached.
|
1x | Cash Back | No cap |
|
U.S. Online Retail Purchases (After Cap)
1% cash back on U.S. online retail purchases after the $6,000 annual spending cap is reached.
|
1x | Cash Back | No cap |
|
All Other Purchases
1% cash back on all other eligible purchases with no cap. Cash back is received as Reward Dollars redeemable as a statement credit or at Amazon.com checkout. Balance transfers and cash advances do not earn rewards.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Disney Bundle Monthly Statement Credit
Receive up to $7 back per month (up to $84 annually) as a statement credit when you use your enrolled Blue Cash Everyday Card to purchase an eligible subscription to the Disney Bundle (Disney+, Hulu, or ESPN+). Enrollment required; subject to auto-renewal.
|
Credits |
$84/year ($7/month)
Up to $84
|
|
0% Intro APR on Balance Transfers
Enjoy a 0% introductory APR on balance transfers for the first 15 months from account opening. Balance transfers must be requested within 60 days of account opening. A balance transfer fee applies: either $5 or 3% of the transfer amount, whichever is greater.
|
Financial | 0% for 15 months |
|
0% Intro APR on Purchases
Enjoy a 0% introductory APR on purchases for the first 15 months from account opening. After the intro period, a variable APR of 19.49%–28.49% applies.
|
Financial | 0% for 15 months |
|
No Annual Fee
The Blue Cash Everyday Card has no annual fee to open or maintain the account.
|
Financial |
$0 annual fee
Up to $0
|
|
Plan It® — Buy Now, Pay Later
Split eligible purchases of $100 or more into equal monthly installments with a fixed monthly fee instead of paying all at once. Available via the online account or the American Express App. Rewards are still earned on Plan It purchases.
|
Financial | Complimentary feature |
|
Car Rental Loss and Damage Insurance
Secondary coverage against collision damage or theft of a rental vehicle when the full rental cost is paid with the card and the rental company's collision damage waiver is declined. Coverage up to $50,000 per rental agreement. Excludes coverage in Australia, Italy, and New Zealand, and certain vehicle types. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $50,000 per rental
Up to $50,000
|
|
Purchase Protection
Covers eligible purchases made with the card against accidental damage or theft for up to 90 days from the purchase date. Coverage is up to $10,000 per item and up to $50,000 per cardholder per calendar year. Underwritten by AMEX Assurance Company.
|
Insurance |
Up to $10,000/item, $50,000/year
Up to $10,000
|
|
1% Cash Back on All Other Purchases
Earn 1% cash back on all other eligible purchases with no annual cap. Cash back is received as Reward Dollars redeemable as a statement credit or at Amazon.com checkout.
|
Rewards | 1% unlimited |
|
3% Cash Back at U.S. Gas Stations
Earn 3% cash back at U.S. gas stations on up to $6,000 per year in eligible purchases, then 1%. Gas purchased at superstores, supermarkets, or warehouse clubs does not qualify.
|
Rewards | 3% (up to $6,000/year) |
|
3% Cash Back at U.S. Supermarkets
Earn 3% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases, then 1%. Excludes superstores like Walmart and Target, and warehouse clubs.
|
Rewards | 3% (up to $6,000/year) |
|
3% Cash Back on U.S. Online Retail Purchases
Earn 3% cash back on U.S. online retail purchases on up to $6,000 per year in eligible purchases, then 1%. Must be from U.S. merchants selling physical goods online and categorized as an internet transaction; excludes restaurants, supermarkets, gas stations, travel, and services.
|
Rewards | 3% (up to $6,000/year) |
|
Fraud Detection and Alerts
American Express monitors card activity 24/7 for suspicious transactions and can notify cardholders of unusual activity via text, email, or push notification through the Amex App.
|
Security | Complimentary |
|
Instant Card Number
Upon approval, cardholders can access a virtual card number immediately through the American Express App to begin making online and in-app purchases before the physical card arrives.
|
Security | Complimentary |
|
Zero Fraud Liability
Cardholders are not held responsible for unauthorized charges made with their card, provided fraudulent activity is reported promptly to American Express.
|
Security |
$0 liability
Up to $0
|
|
Amex Offers
Access to personalized merchant-specific offers providing additional statement credits or bonus cash back at select dining, shopping, and travel brands. Enrollment required in the Amex Offers section of the account before redeeming.
|
Shopping | Varies by offer |
|
Send & Split®
Split purchases with friends and family or send money directly using Venmo or PayPal through the American Express App without incurring a fee from American Express.
|
Shopping | Complimentary |
|
Global Assist® Hotline
24/7 emergency assistance coordination when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for costs charged by third-party service providers.
|
Travel | Complimentary coordination |
