Blue Cash Everyday® Card from American Express

The Amex Blue Cash Everyday credit score requirement is 700 at a minimum. That means applicants for the Amex Blue Cash Everyday need at least good credit to be approved.

But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.

Here’s what we know about Amex Blue Cash Everyday credit scores:

• The Amex Blue Cash Everyday credit score requirement at least 700. That means you’ll need at least good credit for approval.
• Other requirements for the Amex Blue Cash Everyday include a steady income and a Social Security Number, ITIN or passport (Amex can access your credit reports from select countries so you don’t necessarily need a credit history in the U.S.). American Express will also look at your expenses, existing debt, credit history and recent credit inquiries.
• The Amex Blue Cash Everyday good credit score requirement is consistent with most credit cards issued by American Express. For example, the Blue Cash Preferred® Card from American Express, The Platinum Card® from American Express, The Amex EveryDay® Credit Card from American Express and Amex EveryDay® Preferred Credit Card also require at least good credit for good approval odds.

Applying for any credit card can temporarily hurt your score, so you’ll want to check your latest credit score before you apply for the Amex Blue Cash Everyday. You can also get a better idea of your Amex Blue Cash Everyday approval chances by checking for pre-qualified offers on Amex’s website. Pre-qualification doesn’t guarantee approval, but it increases your likelihood of approval.

Your Amex Blue Cash Everyday credit limit depends on your credit score, income, debt and credit history. You will be assigned a credit limit upon approval for the Amex Blue Cash Everyday. Unfortunately, there's no formula that can help you get a rough estimate before submitting an application.

Best thing you can do is check your credit score and make sure you qualify for the card. Amex Blue Cash Everyday requires good credit or better (a credit score of 700+) for approval.

Ultimately, if you don’t receive your desired credit limit, you can request a credit limit increase after your account has been open for 60 days. Just keep in mind that requests for credit limit increases may result in a hard inquiry on your credit report, which can temporarily cause a dip in your credit score. If you call the number on the back of your card to request a credit limit increase, you will be notified of the type of inquiry.

To log in to your American Express Blue Cash Everyday account online, enter your login credentials (username and password) on the American Express website. After clicking the blue “Log In” button, you’ll be able to see your balance, make a payment, redeem rewards, add an authorized user, request a credit limit increase and otherwise manage your Blue Cash Everyday account online. This login process is pretty much the same for the American Express mobile app, too.

If you don’t have Blue Cash Everyday login credentials yet, click “Create New Online Account” when you get to the login page. Then, enter your card number and security code to get started and set up a username and password that you can use to log in.

It's harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclaycard and Chase do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.

The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with companies such as Delta and Hilton as well as offers with lower annual fees. Co-branded cards often have relatively high approval rates to accommodate more fans of the brand (e.g. Hilton) in question. And some of Amex's premium cards for big-spenders, which can be relatively difficult to get, have high fees.

Easiest American Express Cards to Get:

• Blue Cash Everyday® Card from American Express
• The Amex EveryDay® Credit Card from American Express
• Delta SkyMiles® Blue American Express Card
• Hilton Honors American Express Card

Of course, American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. But there isn't much information available about Amex's standards in those regards, and you shouldn't expect them to differ too much from other credit card companies' policies.

You can check your latest credit score for free on WalletHub and then track your progress with free daily updates.

You don’t have to pay off all American Express cards every month. Most Amex credit cards allow you to carry a balance from month to month, requiring only a monthly minimum payment to keep your account in good standing. That’s the case with the Blue Cash Preferred® Card from American Express and Blue Cash Everyday® Card from American Express, for example, as well as the The Amex EveryDay® Credit Card from American Express and others. Some even offer 0% introductory APRs.

On the other hand, you do have to pay some American Express cards in full every month. That includes The Platinum Card® from American Express, American Express® Gold Card and American Express® Green Card. But there are exceptions. If you have one of those cards and use it responsibly, American Express may offer to let you pay for certain purchases over time. Interest will apply to such purchases, though, at a rate that won’t be disclosed until Amex extends an offer.

You can check out WalletHub’s review of the best American Express credit cards to find a good option for carrying a balance. Just don’t expect to find a low regular APR. American Express credit cards are known more for rewards than low rates.

The Amex Blue Cash Everyday foreign transaction fee is 2.7%. Both Amex Blue Cash Everyday and the Blue Cash Preferred® Card from American Express have that same foreign fee, applicable to any purchases processed internationally.

American Express offers cards that do not have foreign transaction fees, like the American Express® Gold Card and the American Express Platinum card. The tradeoff here is their large annual fees. There are, though, some American Express cards with no foreign transaction fee and no annual fee like the Delta SkyMiles® Blue American Express Card and the Hilton Honors American Express Card.

Here’s some info about Amex Blue Cash Everyday:

• Foreign Transaction Fee: 2.7%
• Annual Fee: $0 for Amex Blue Cash Everyday; $0 intro 1st yr, $95 after for Blue Cash Preferred
• Rewards Rate: 1 - 3% cash back for Amex Blue Cash Everyday; 1 - 6% cash back for Blue Cash Preferred
• APR: 13.99% - 23.99% (V)

Keep in mind American Express may not be the best choice to take abroad due to lower international acceptance than Visa or Mastercard. While Visa and Mastercard are accepted in 200+ countries, Amex lags behind at 160+ countries. There are lots of credit cards with no foreign transaction fee on those other networks, too.

To reach Blue Cash Everyday customer service, call 1 (800) 528-4800, 24 hours a day, 7 days a week. From the automated system, state the specific issue or press the related number on your keypad. Follow the prompts to verify the account. To speak to a live representative, press “0,” or say “representative.” Then, state or enter the last 5 digits of your card number to connect to a live Amex representative. If you prefer to contact customer service by mail, send your inquiry to American Express, P.O. Box 981535, El Paso, TX 79998.

You can also reach Blue Cash Everyday customer service online. Log in to your account and click the “Help” button at the top of the screen. Scroll to “Chat with Us” section and click the “Live Chat” button, or, browse the list of help topics and FAQs to research your specific issue. From the mobile app, log in and click the “Chat” icon. You can either tap the “Message Us” button to live chat, or open the “Contact Us” menu for other options. Amex recommends using the Live Chat feature on a desktop computer with a full screen for the most effective customer service experience.

You can get the Amex Blue Cash Everyday bonus of $100 statement credit by making purchases worth $2,000 or more within 6 months of opening an account. The Amex Blue Cash Everyday statement credit will be applied to your balance within 8-12 weeks after you meet the spending threshold.

Beyond the welcome offer, Amex Blue Cash Everyday also has ongoing rewards, giving 1 - 3% Cash Back cash back on certain purchases. You’ll earn 3% cash back on up to $6,000 spent at grocery stores each calendar year and unlimited 2% cash back at gas stations and U.S. department stores. All other purchases, including grocery purchases over the yearly limit, get 1% cash back. Amex Blue Cash Everyday bonus rewards never expire as long as the card is active. If your account is closed for any reason, you’ll forfeit any unredeemed rewards.

Amex EveryDay® Credit Card vs. Amex EveryDay® Preferred Credit Card comes down to rewards vs. fees.

The Amex EveryDay® Credit Card has a $0 annual fee, while the Amex EveryDay® Preferred Credit Card charges $95 per year. But the Amex EveryDay® Preferred Credit Card offers better rewards: Higher initial bonus points, earn rates, and a bigger bonus for frequent use. So, it really depends on how much you plan to use your card and what you plan to buy.

Here’s the breakdown for Amex EveryDay® Credit Card vs. Amex EveryDay® Preferred Credit Card:

• Annual fee: $0 for the Amex EveryDay® Credit Card, $95 for the Amex EveryDay® Preferred Credit Card.
• Initial bonus: The Amex EveryDay® Credit Card offers 10,000 points after spending $1,000 in the first 3 months. The Amex EveryDay® Preferred Credit Card offers 15,000 points after spending $1,000 in the first 3 months.
• Rewards: The Amex EveryDay® Credit Card offers 2 points per $1 spent on travel booked through amextravel.com and at supermarkets (up to $6,000 per year), and 1 point per $1 spent on all other purchases. The Amex EveryDay® Preferred Credit Card offers 1 - 3 points per $1.
• Frequent buyer bonus: The Amex EveryDay® Credit Card gives you 20% extra points for using your card 20 times. The Amex EveryDay® Preferred Credit Card gives you 50% extra points for making 30 purchases in a billing period.
• Benefits: The one notable benefit offered by Amex EveryDay® Preferred Credit Card and not Amex EveryDay® Credit Card is return protection. Amex EveryDay® Preferred Credit Card covers you up to $300 per item up to a maximum of $1,000 per year for purchases the seller won't take back up to 90 days from the date of purchase.

Both Amex EveryDay® Credit Card and Amex EveryDay® Preferred Credit Card allow you to redeem points for Amex travel, gift cards and Uber rides. You get one cent per point those ways. Or you can transfer your points to a partner airline’s miles. Transfers are done at a 1:1 ratio, but airline miles values can vary widely.

Assuming you’re redeeming for one of the standard options, you’d only need to spend a few thousand dollars in groceries to make the Amex EveryDay® Preferred Credit Card card worth it. But if groceries, gas, and travel aren’t big spending categories for you, Amex EveryDay® Credit Card is a better way to go.