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Blue Cash Everyday® Card from American Express
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- Issuer's Customer Service: 800-528-4800, Ext.
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REWARDS |
APRs |
REVIEWS
Q&A | CUSTOMER SERVICE INFO
Q&A | CUSTOMER SERVICE INFO
Existing Cardholders
- Issuer's Customer Service: 800-528-4800, Ext.
-
Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
April 16, 2021
Review: Blue Cash Everyday® Card from American Express
The American Express Blue Cash Everyday Card is a good credit card for people with a 700+ credit score. Amex Blue Cash Everyday is especially worthwhile for applicants who want a $0 annual fee and bonus rewards on groceries, gas and select department store purchases. The Blue Cash Everyday Card also offers a 0% introductory APR and a $200 statement credit for spending $1,000 in the first 3 months.
If you decide to take advantage of Blue Cash Everyday’s 0% APR, make sure to pay off your balance before the card’s regular APR takes effect: 13.99% - 23.99% (V).
All other purchases earn you 1% back, roughly the market average for a rewards card, according to WalletHub’s latest Credit Card Landscape Report. So the more you spend in those bonus categories, the better Blue Cash Everyday will be.
Blue Cash Everyday Review Highlights
$200 initial bonus
The Blue Cash Everyday Card offers a $200 statement credit for spending at least $1,000 in the first 3 months. This isn’t the biggest bonus you can find. But it’s certainly not bad, either.0% intro APR for big-ticket purchases
Blue Cash Everyday offers a 0% intro rate on new purchases for the first 15 months.If you decide to take advantage of Blue Cash Everyday’s 0% APR, make sure to pay off your balance before the card’s regular APR takes effect: 13.99% - 23.99% (V).
No annual fee
The Blue Cash Everyday Amex does not charge an annual fee. So as long as you pay your bill on time and in full each month, you can completely avoid having to pay anything extra.Good credit required
You need at least good credit to get approved for the American Express Blue Cash Everyday Credit Card, so make sure to check your credit score for free on WalletHub before applying.Rewards are best for gas, groceries and department-store purchases
Amex Blue Cash Everyday gives you 3% cash back on up to $6,000 in purchases at U.S. supermarkets each year, as well as 2% cash back at U.S. gas stations and certain U.S. department stores.All other purchases earn you 1% back, roughly the market average for a rewards card, according to WalletHub’s latest Credit Card Landscape Report. So the more you spend in those bonus categories, the better Blue Cash Everyday will be.
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
April 16, 2021
Blue Cash Everyday® Card from American Express' Rewards
- Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% Cash Back at U.S. gas stations and at select U.S. department stores.
- 1% Cash Back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
- Terms Apply.
Blue Cash Everyday® Card from American Express' Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| 0% for 15 months | Balance Transfers Not Allowed | 13.99% - 23.99% (V) |
|
Purchase Intro APR
|
0% for 15 months |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
13.99% - 23.99% (V) |
Blue Cash Everyday® Card from American Express' Additional Info
| MAX LATE FEE
|
$40 |
|---|---|
| MAX OVERLIMIT FEE
|
None |
| MAX PENALTY APR
|
29.24% (V) |
| GRACE PERIOD
|
25 days |
| ONLINE RESPONSE
|
Yes |
| CASH ADVANCE APR
|
25.24% (V) |
| CASH ADVANCE FEE
|
5% (min $10) |
| FOREIGN TRANSACTION FEE
|
2.7% |
| SMART CHIP
|
Yes, chip-and-PIN |
- Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
- Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
- No annual fee.
- Last updated on 4/16/2021
at American Express'
secure site
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Blue Cash Everyday® Card from American Express is related to the following categories:
Customer Questions and Answers
Don't see what you're looking for? Submit your question about Blue Cash Everyday® Card from American Express to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
What's the Blue Cash Everyday credit score requirement? Reply 568
Joyce Brown
@blackhole1
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.
56
Upvotes
Does Blue Cash Everyday have an annual fee? Reply 2
ASHLEY WADE
@shlee
The Blue Cash Everyday annual fee is $0. That means it costs nothing to keep the Everyday card open every year, and any rewards earned are pure profit, provided you avoid interest charges. Blue Cash Everyday gives a $200 initial bonus for spending $1,000 within the first 3 months. It also offers 1% to 3% cash back on purchases, including groceries and gas among its bonus categories.
Blue Cash Everyday’s $0 annual fee is not uncommon for a rewards card of this tier. But Blue Cash Everyday stacks up well against the competition. It’s one of the best cash back cards with a $0 annual fee, particularly for everyday expenses.
2
Upvotes
What is the Blue Cash EveryDay credit limit? Reply 4613
Jane Cogli
@janecogli
Amex Blue Cash Everyday credit limits are $1,000 to $13,500, based on cardholder reports. But American Express does not disclose an official minimum or maximum Blue Cash Everyday limit. Instead, they set credit limits on a case-by-case basis, using an applicant’s credit history, income, debt, etc.
You won’t know your Blue Cash Everyday credit limit until you’re approved. 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. Or, you can reject the offer and not open the account.
You can always look into getting a different credit card. The Blue Cash Preferred card has offered starting credit limits as low as $1,000, reportedly, but the majority of cardholders report initial limits of $5,000 up to $20,000. Keep in mind, though, that each application will temporarily bring down your credit score.
46
Upvotes
How do I log in to my American Express Blue Cash Everyday account online? Reply 2
James Bronzz
@jbronz
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.
2
Upvotes
Is it hard to get an American Express card? Reply 101
John S Kiernan
@John
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.
10
Upvotes
Do you have to pay off an American Express card every month? Reply 143
WalletHub
@WalletHub
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.
14
Upvotes
How much is the American Express Blue Cash Everyday foreign transaction fee? Reply 439
Shadow Banker
@shadowbanker4
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.
43
Upvotes
How do I reach Blue Cash Everyday customer service? Reply 6
Thomas Friedman
@ultralight11
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.
6
Upvotes
How can I get the Amex Blue Cash Everyday bonus? Reply 3113
Leon Denerus
@Leo.DC
You can get the Amex Blue Cash Everyday bonus of $200 statement credit by making purchases worth $1,000 or more within 3 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.
31
Upvotes
Amex EveryDay vs. Preferred: What's the Difference? Reply 3
Jane Cogli
@janecogli
Amex Everyday vs. Preferred comes down to rewards vs. fees. The Amex EveryDay Credit Card doesn’t have an annual fee, while the Amex EveryDay Preferred Credit Card charges $95 per year. But EveryDay Preferred offers better rewards: 5,000 more initial bonus points, an extra point per dollar spent on gas and travel, 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 vs. Preferred:
- Annual fee: $95 for Amex EveryDay Preferred, $0 for Amex EveryDay.
- Initial bonus: Amex Everyday Preferred offers 15,000 points for spending $1,000 in your first three months. Amex EveryDay offers 10,000.
- Supermarket rewards: Amex EveryDay offers 2% rewards on the first $6,000 a year you spend at supermarkets, while Amex Preferred offers 3%.
- Gas & travel rewards: With Amex Preferred, you get 2x points at gas stations travel booked through the Amex site. Amex everyday does not offer this rewards category.
- Rewards on other purchases: Both Amex EveryDay and Amex Preferred give you 1 point per cent across all purchases.
- Frequent buyer bonus: Amex Preferred gives you 50% extra points for making 30 purchases in a billing period. Amex EveryDay gives you 20% extra points for using your card 20 times.
- Benefits: The one notable benefit offered by Amex Preferred and not Amex EveryDay is baggage insurance. Amex Preferred covers you up to $12,500 for carry-on baggage and up to $500 for checked baggage.
Both Amex EveryDay and EveryDay Preferred 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 $3,166 in groceries to make the Amex EveryDay Preferred card worth it. But if groceries, gas, and travel aren’t big spending categories for you, Amex EveryDay is a better way to go.
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Upvotes
Blue Cash Everyday® Card from American Express Video Review
Blue Cash Everyday® Card from American Express Reviews
Share your insights and review the Blue Cash Everyday® Card from American Express.
Mar 31, 2021
Poor company and worse customer service.
$22000 credit limit for ten plus years. Never a single late payment and my credit score has been in the excellent range for as long as I can remember. Never carried a balance over $2000 for more than a month or so.
Tried to make a $4400 purchase with a balance of $1400 on vacation and was declined. Called and was told by a barely intelligible customer service representative that my account was magically "just placed under review". Reduced my credit limit to $1900!!!! They stated that my payment to balance ratio was the reason for the 90+ percent reduction. BULL!!!!
VERY RUDE and unhelpful call center employees who only read prompts and are terrible at communicating. Was told that I could submit my income tax forms for a review and appeal...nope...cancelled my personal Blue card and my business Amazon Prime Amex and will NEVER do business with them again. Stay Away… show more
$22000 credit limit for ten plus years. Never a single late payment and my credit score has been in the excellent range for as long as I can remember. Never carried a balance over $2000 for more than a month or so.
Tried to make a $4400 purchase with a balance of $1400 on vacation and was declined. Called and was told by a barely intelligible customer service representative that my account was magically "just placed under review". Reduced my credit limit to $1900!!!! They stated that my payment to balance ratio was the reason for the 90+ percent reduction. BULL!!!!
VERY RUDE and unhelpful call center employees who only read prompts and are terrible at communicating. Was told that I could submit my income tax forms for a review and appeal...nope...cancelled my personal Blue card and my business Amazon Prime Amex and will NEVER do business with them again. Stay Away… show more
Comment
Mar 18, 2021
Good card but low starting credit limit compared to my other cards, however the special 500 opening bonus is most definitely worth it plus they are easy with CLI
Mar 17, 2021
Grate card gives me 3% cash back at a grocery store, They have the best customer service they're always able to help whenever I have a problem thank you American Express my credit score was 700 when I got the card now at 770.
Mar 14, 2021
Cash back on really specific things that won’t save me money. Most stores we get cash back on aren’t even in my area or very inconvenient.
Jan 22, 2021
Verified Customer
Amex is the worst. I have a +800 credit score and great income. After a month of using the card Amex suspended my card and wanted me to send them my tax returns. MY TAX RETURN! When I refused they cancelled both this card AND my Amex Business card. I highly recommend anyone reading this to get a Chase Sapphire (Reserve) card instead.
Jul 14, 2020
I have been with AMEX for 33 years. Gold Card holder. Prior Costco account $30k limit. I applied for this card because "they" said it was the best for balance transfers. Was approved with a $1,000 limit. Asked for an increase they said $3,000. My 33 years of history, great credit rating and prior accounts meant nothing. I cancelled it and plan on cancelling my gold card. AMEX is not what they used to be.
07/22/20
I have two 1000 limit cards and gave had them for 4yrs and i asked for a limit increase and was turned down. I told them that on my American express card alone i charge over 5000 a month and pay every week on that card because my business has grown, and a representative from the corporate said maybe American express don't want to grow with you. I cant believe the disrespect.
May 10, 2020
I applied for Blue Cash Everyday card and got approved for $10,000 credit limit. After 12 months they automatically increased by credit limit to $15,000. I had to use $1000 in the first 3 months for the welcome bonus. They also offered me 0% APR for 15 months. Now i have around 22% APR. I called Amex customer service and asked them if they could reduce my APR as I was handling my credit card pretty good, they asked me to wait for few months as they might offer me good APR. You guys can use my link to get a welcome bonus.
http://refer.amex.us/SUNILD3UEh?XLINK=MYCP… show more
http://refer.amex.us/SUNILD3UEh?XLINK=MYCP… show more
Apr 20, 2020
I applied for Blue Cash and what I got don't really what AMEX put into advertisement. No 150 $ promotion offer after you spent 1000 $ also no 0% APR for 12 month they gave me 24.99 % from first billing month. No balance transfer offer. I stop trust American Express. I used to be customer for couple years and never had late payment always pay balance fully. Firs time America Express do bad for me at this hard time for every one thought corona virus crisis. Very disappointing.… show more
Feb 04, 2020
Despite having good credit and a high credit limit. The balance transfer limit is $5,000, which is not stated in their card agreement condition and terms. The disclosure state "up to eligibility and credit limit" is false. The requested limit was well under 75% of credit limit. Save yourself the hassle, avoid this card if you would like a proper balance transfer card.
Dec 03, 2019
729 score. Instant approval and with 8000 limit which was a bit lower than i had expected but i am grateful to have gotten approved..im actually speaking, or writing this into existence. Tonight my hard work and research will finally pay off and just in time for christmas.
Nov 24, 2019
STAY AWAY FROM THIS CREDIT CARD!!! They will promise you so many things and will not keep their word. You will deal with headaches and a lot of back and forth with representatives changing their story every time. I recommend Discover, better customer service and they will give you what they promise.
Jul 12, 2019
I love AMEX, this is my 2nd time with them, great to be back at home! Credit limit was generous at $2,000, then after 61 days, used the little known 3x credit limit increase, sure enough, went to $6,000. After 6 more months, asked for $7,500 & got it.
As added perks, AMEX BCE cardholders gets an Experian FICO score, refreshed monthly, in addition to a no cost ShopRunner membership, where one can order from many participating stores & get 2 day business shipping. Think of the money saved in shipping fees, there's something for everyone. Of course, this doesn't include Amazon.
In the less than a year of having the card, still in the 0% promo, have racked enough points to redeem for two payments (or statement credits). Some may call it a con, the minimum payment is $35, or less if the balance is below that.
The AMEX site is also very user friendly & easy to navigate. I highly recommend the BCE card for everyday needs, and families can double the rewards with the upgraded card which comes with a $95 annual fee. The only places where rewards are the lowest are warehouse clubs (Costco) & supercenters (Walmart), yet one still gets 1% back at these places.
I don't leave home w/out my AMEX BCE card.… show more
As added perks, AMEX BCE cardholders gets an Experian FICO score, refreshed monthly, in addition to a no cost ShopRunner membership, where one can order from many participating stores & get 2 day business shipping. Think of the money saved in shipping fees, there's something for everyone. Of course, this doesn't include Amazon.
In the less than a year of having the card, still in the 0% promo, have racked enough points to redeem for two payments (or statement credits). Some may call it a con, the minimum payment is $35, or less if the balance is below that.
The AMEX site is also very user friendly & easy to navigate. I highly recommend the BCE card for everyday needs, and families can double the rewards with the upgraded card which comes with a $95 annual fee. The only places where rewards are the lowest are warehouse clubs (Costco) & supercenters (Walmart), yet one still gets 1% back at these places.
I don't leave home w/out my AMEX BCE card.… show more
Jun 14, 2019
cker you in with 0apr 0 fees but afterwards gets jacked up to 15%, also 3% transfer fee is very expensive... I originally applied because I thought was a good deal but they goAmex is expensive. They sucker you in with 0apr 0 fees but afterwards gets jacked up to 15%, also 3% transfer fee is very expensive... I originally applied because I thought was a good deal but they got me
11/13/19
15% APR is very good, when compared to what many other (or average) cards offer. I have FICO 8 scores all above 750 & most are still offering 22% or higher. Hopefully that'll change when I hit around 760-780.
Actually, you have a better APR than myself, just out of my 15 month 0%, now it's 17.49%. I'd love mine to fall to 15%, be thankful for your rate.
The only other card I have with low rate is that from my credit union, now at 10.15%, although up from 9.15% when I signed up. Hopefully once the interest rates trickles to the consumers, will drop back to that rate. However, it has no big perks, one has to accept the higher interest (currently 14.9%) for rewards & extras like cell phone protection & extended warranties.
Looks like you have great credit to have 15% APR!… show more
Actually, you have a better APR than myself, just out of my 15 month 0%, now it's 17.49%. I'd love mine to fall to 15%, be thankful for your rate.
The only other card I have with low rate is that from my credit union, now at 10.15%, although up from 9.15% when I signed up. Hopefully once the interest rates trickles to the consumers, will drop back to that rate. However, it has no big perks, one has to accept the higher interest (currently 14.9%) for rewards & extras like cell phone protection & extended warranties.
Looks like you have great credit to have 15% APR!… show more
08/13/19
It seems like you haven't understood that was a signup bonus deal. I suggest you do read the terms of the card because it does tell you more.
Jun 08, 2019
I applied and was approved for the American Express Blue Cash Card. But the opening available credit limit is only 5 hundred dollars! Discover and Capital One opened my accounts with available credit limits of 10 thousand dollars! I'm very Disappointed in this card, and will probably Cancel the card before I receive it!
Mar 30, 2019
I am all-in with American Express!
I went years paying for everything with cash & debit cards, and had no credit cards. l work an average job, have no debt and pay every bill on time, because I was raised that way. Last year I was at my bank for unrelated business, and was asked if I was interested in applying for a credit card, I said "sure, why not?". Shortly after, the "declined" letter came in the mail, Annoyed, I checked my credit online and discovered that I have no credit history and NO FICO score at all, zero!
On a whim and in total disregard to online advice, I applied for an American Express Blue Cash Everyday card. Amex quickly responded and wanted to check my income taxes, so I printed & signed the form. When I mailed it, I also included a short personalized letter to them explaining why my credit history was basically empty, that I owned my vehicles out-right & had no debt, and that I wanted to become a trusted Amex customer and start getting credit for my responsibility.
Three weeks later to the day, I got a welcome email! They had accepted me, and with a nice big-boy credit limit! I was so elated that I even bragged about it at work, and they couldn't believe that I got approved for an Amex card with no FICO score! Perhaps I got lucky, but they put their trust in me, and I am loyal to them for that. So far, I have nothing but good things to say about American Express. I called them and they were super-friendly, too.
My tip for people in situations like mine is to write American Express a (short) personal letter and sign your name to it, in addition to only clicking buttons on a computer screen and filling out forms.
I learned my lesson about credit, too! Maintaining excellent credit is my new passion. My wife is already sick of watching the credit videos with me on YouTube!… show more
I went years paying for everything with cash & debit cards, and had no credit cards. l work an average job, have no debt and pay every bill on time, because I was raised that way. Last year I was at my bank for unrelated business, and was asked if I was interested in applying for a credit card, I said "sure, why not?". Shortly after, the "declined" letter came in the mail, Annoyed, I checked my credit online and discovered that I have no credit history and NO FICO score at all, zero!
On a whim and in total disregard to online advice, I applied for an American Express Blue Cash Everyday card. Amex quickly responded and wanted to check my income taxes, so I printed & signed the form. When I mailed it, I also included a short personalized letter to them explaining why my credit history was basically empty, that I owned my vehicles out-right & had no debt, and that I wanted to become a trusted Amex customer and start getting credit for my responsibility.
Three weeks later to the day, I got a welcome email! They had accepted me, and with a nice big-boy credit limit! I was so elated that I even bragged about it at work, and they couldn't believe that I got approved for an Amex card with no FICO score! Perhaps I got lucky, but they put their trust in me, and I am loyal to them for that. So far, I have nothing but good things to say about American Express. I called them and they were super-friendly, too.
My tip for people in situations like mine is to write American Express a (short) personal letter and sign your name to it, in addition to only clicking buttons on a computer screen and filling out forms.
I learned my lesson about credit, too! Maintaining excellent credit is my new passion. My wife is already sick of watching the credit videos with me on YouTube!… show more
Mar 04, 2019
Great Card. Would love to have it. Cash back every purchase. Generous credit line. Great rates and points incentives. Great for solving Debt issues. Great for transferring balances from other cards.
Apr 22, 2018
I was just approved for the Blue Cash Everyday card with an initial limit of 6k. I was hoping for 2k so they have exceeded my expectation right off the bat. My credit score is slightly just over 750. I've received pre-approved offers before from the Blue Cash & Preferred cards but disregarded them but I decided to give them a try this time and I'm glad I did. I will submit an updated review in approximately 6 month but for now I give them 5 stars. I've already transferred a balance upon signing up and received a $60 credit just for waiting for my card to come in the mail which will cover my transfer fee. I'm looking forward to making this card my everyday card and reap the cash back rewards for what I use most, groceries and gas. I've also talked to customer service a couple of times and used their online chat and all times they were very helpful.… show more
Jan 23, 2018
My American Express card has served me well for over 6 years now. I initially signed up for it because of the great rates and the points incentives. I have stayed with them because of their customer service and their willingness to help out when I am in a jam. Their points system is pretty straightforward and has many versatile uses.
Sep 12, 2017
This is a great credit card, I just love it. This card has solved my debt issue. I really think this was a great recommendation by wallet hub. Keep the good work!.Thanks American express for introducing such wonderful opportunity.
Aug 08, 2017
I Give American Express Blue Cash Everyday Five Stars★★★★★. It Is The Most Top Of The Credit Card From American Express. If You Do Not Believe Me, Then Check Out, The Other Cards That American Express Offers! There Is One That Has A $550 Annual Fee! OUCH!
12/09/17
I agree this is a great card, I have 2 AMEX and I use this one most. Now, the AMEX cards with an anual fee aren't bad cards, just not right for you. if you spend enough and know how to use it you could get thousands back annually in rewards paying the anual fee and having left over for whatever you want. Some people spend +60K annually on credit cards, it would be dumb not to have Platinum or whichever card has the best rewards rate.… show more
Jul 15, 2017
Be warned. They offer you a hefty credit limit initially, which I used to transfer balances from 3 cards onto, which saved me a ton of money. Then within the next 15 months they gradually kept reducing my credit limit, which caused my credit score to keep reducing. Given I was never late on a single payment, this was uncalled for. They send you am email telling you that you can ask them to review their decision, which amounts to them giving you 30-60 days to pay most if not all of your balance off in full. Ridiculous. I can't wait to have it all paid off so I can let them wonder where I went.… show more
Apr 06, 2017
Careful! May damage your credit history and credit rating when using auto pay!!
Have had the Blue Cash Everyday Card from American Express set up using auto pay each month to make the minimum payment for years. Worked hard to improve my credit to qualify for this card (and like most AMEX customers I care about my credit rating, and credit record).
Continued improving financial situation and was ready to improve monthly auto pay to pay off the complete balance each month.
Logged in and changed the auto pay settings to pay complete balance and replaced minimum payment (correctly during the same login in about a 3 minute transition) and completed this about 10 days before next payment date.
Discovered the new auto payment didn't auto pay and called to ask why. They explained that the AMEX system doesn't pay your upcoming payment, it begins auto pay for 2nd payment.
What?!!
How is this a service to the type of customer AMEX is looking for? Why is AMEX not doing everything they can to protect the customers who are trying to protect their credit by using auto pay?
AMEX told me there’s a notice when setting auto pay that, “ you’re next payment will not be automatically payed so you have to manually pay your upcoming payment even though you just authorized auto pay.
I’m focused on the type and amount of auto pay I’m setting up, not making a manual payment.
How does this serve the customer?! It’s hard to imagine how. It’s easy to understand how it serves AMEX because they have my $30ish late fee in their pocket which they wouldn’t return to my account because I didn’t make a manual payment while adjusting auto pay.
This is a conscious systemic decision that jeopardizes every customer’s credit.… show more
Have had the Blue Cash Everyday Card from American Express set up using auto pay each month to make the minimum payment for years. Worked hard to improve my credit to qualify for this card (and like most AMEX customers I care about my credit rating, and credit record).
Continued improving financial situation and was ready to improve monthly auto pay to pay off the complete balance each month.
Logged in and changed the auto pay settings to pay complete balance and replaced minimum payment (correctly during the same login in about a 3 minute transition) and completed this about 10 days before next payment date.
Discovered the new auto payment didn't auto pay and called to ask why. They explained that the AMEX system doesn't pay your upcoming payment, it begins auto pay for 2nd payment.
What?!!
How is this a service to the type of customer AMEX is looking for? Why is AMEX not doing everything they can to protect the customers who are trying to protect their credit by using auto pay?
AMEX told me there’s a notice when setting auto pay that, “ you’re next payment will not be automatically payed so you have to manually pay your upcoming payment even though you just authorized auto pay.
I’m focused on the type and amount of auto pay I’m setting up, not making a manual payment.
How does this serve the customer?! It’s hard to imagine how. It’s easy to understand how it serves AMEX because they have my $30ish late fee in their pocket which they wouldn’t return to my account because I didn’t make a manual payment while adjusting auto pay.
This is a conscious systemic decision that jeopardizes every customer’s credit.… show more
01/06/18
I use auto pay on a personal loan and my Platinum cc never had a problem. Strange you had such a bad experience,
Mar 28, 2017
American express is a shit company. It takes them way too long to take care of fraudulent charges, their customer service is some of the worst I've ever experienced, and in order to get even a slight increase in your credit limit you have to have excellent credit, good is not enough. I have had this card for 2 years, have maintained good credit, doubled my yearly income, and never come close to the limit they have set. I have asked for an increase twice in these 2 years just benefit my credit and every time I have been denied. My other 4 credit cards with other companies (who started me off at a higher limit than this shit company did) have all increased my limit 3 times in these past 2 years without even being asked by me. Once this card is fully paid off, I will no longer be doing any business with American Express.… show more
11/21/17
This shit company gave me a 12K CLI by my 2nd statement. When someone gets denied they send a very clear letter stating why.
Dec 03, 2016
They charge me, interest charge on shopping and interest charge on balance. I am charged $10 every month. It will be $120 annual interest. This is ridiculous. I will cancel my card!!
07/12/19
Something is wrong here, or there's a misunderstanding of your bill. AMEX has never charged me like that. Of course, if you had a balance transfer, they'll charge any unpaid amount on that. You need to call AMEX & see what's wrong with your bill or get them to explain.
Apr 26, 2016
I've had Blue Cash Back card for years. I use it a LOT -- never had an issue. Until two weeks ago when I noticed I hadn't been getting the correct (higher) percent of cash back, despite clearly reaching the required spend. I called. After many holds, the rep said, "Yes, we made an error." Really? You're American Express? Isn't this what you're building your business on -- CASH BACK? Isn't it kind of essential you know how to do that? So the guy apologizes and basically says "We'll be fixing it at some point in the future." No other correspondence from them. Scheez. So incredibly disappointing.… show more
Feb 28, 2016
I got the Blue Cash card about 3 years ago because I wanted a rewards card that was easy to use for everyday purchases. I decided on the blue card because of the 3% cash back on supermarkets and 2% on gas because those two categories are the ones I tend to spend the most on. I have found that the card is very easy to use, especially because there are no rotating categories and you know you are getting cash as a reward and not redeemable points. I really like that there is no annual fee and I think the APR is pretty standard for rewards cards. I have had no issues with customer service so far. I would definitely recommend this card to anybody looking for an easy to use cash back card.… show more
Feb 25, 2016
This card has been pretty great for me. I got it so that I could help build my credit by having a revolving credit source that I would use regularly. The reason I went for this card in particular was because I wanted something that gave good rewards. So far the only complaint I have is the interface on the website; I've heard from others that it's very intuitive and easy to follow, but I personally found it difficult to navigate and unintuitive. However, that may just be my opinion. I have had no interactions with customer service so I cannot comment on them, but I would recommend this card regardless.… show more
01/06/18
I have found if I linger on a certain topic the live chat will pop up to help me answer what question I am looking for try just sitting on the page for a minute longer.
Feb 16, 2016
I got this card about a year ago around Christmas to keep track of my purchases and earn rewards. The rewards added up quick and I was able to quickly find things in my statement. I am now using this card for gas and groceries and the rewards do add up. I am pleased with this card and the rewards that offered. The only thing that would be made this card better would for it to be accepted everywhere. There are some places that do not accept it.… show more
Feb 15, 2016
I got this card because my other American Express card was with Costco and there was a question about whether or not Costco would cut its ties with AMEX. I really liked having an AMEX card, so I went ahead and got this one. It has a nice low rate, and a pretty good cash-back rewards system. I get savings on things like groceries, gas, and travel. The one thing I would change is that it looks kind of cheap - the clear plastic just doesn't look 'classy' to me. But this isn't a big deal at all. I would highly recommend this card to anyone. American Express customer service is second to none. Whenever I have called, my issue was addressed very quickly by well-trained staff who were native English speakers.… show more
Feb 09, 2016
This card is awful, Stay away from American Express, There customer service is all outsourced to India. They have attitudes when you speak with them. basically I did a balance transfer online, they duplicated it and wouldn't fix. So they stole money form me. I called 4 times in one week and got different answers from everyone I spoke with. They are terrible stay away
Jan 26, 2016
Best for groceries at 3%.
Fixed categories make it easy to know when it's best to swipe this one.
Amex is not accepted everywhere so a second card should be carried.
The card offers other deals that can be added and used at certain retailers to increase savings.
The card usually comes with intro cash bonus and 0% APR
No annual fee makes it a great candidate to have in your portfolio of cards
Amex customer service will usually fight vendors on your behalf if you happen to have a complaint on a charge you feel is unfair.… show more
Fixed categories make it easy to know when it's best to swipe this one.
Amex is not accepted everywhere so a second card should be carried.
The card offers other deals that can be added and used at certain retailers to increase savings.
The card usually comes with intro cash bonus and 0% APR
No annual fee makes it a great candidate to have in your portfolio of cards
Amex customer service will usually fight vendors on your behalf if you happen to have a complaint on a charge you feel is unfair.… show more
Jan 05, 2016
My Blue Cash card is so easy to use. I am very comfortable with how the card works and the simplicity of it's features. I have received great customer service for the past 5 years and I have experienced minimal problems when using this card. I really like how I am able to save money and actually get money from the card. Hands up!!! this is one of the best cards that I have owned!
Dec 27, 2015
Nice and simple information, I have one of American Express prepaid been 4 years, Now my credit improves. I still hold this card for emergency case. just fee 1.00 dollars every month. My wife got disapprove major credit card. she gets American Express prepaid need order shop online protect from her private. American Express online very simple app. The app is more security and safe.
Dec 20, 2015
I have had this card since 2003. When it came out it was the design of the card that grabbed my attention and ever since that, it has been in my wallet. I have 10 other credit cards but American Express service is the best in my opinion. I had this card stolen twice in the past and on both occasions, AmEx properly took care of the issue, reversing the charges. I would highly recommend this card to anyone, though you need to have a good credit score for AmEx approval.… show more
Dec 17, 2015
The Blue Cash card from American Express is my good to card when I want to get rewards. You can not beat the cash back rewards and also the extended terms for no interest. This has been a life saver in helping me get certain other things paid off while avoiding any extra interest having to be paid.
Dec 09, 2015
I have used this credit card for a few years and I love it. I love being able to use the points to get cash back. The points accrue rather quickly. I am often able to use the points for a statement credit towards my next bill. You can also use the points towards products. They also provide great customer service. The only thing I don't like it that not all merchants accept American Express.
Of course, this isn't American Express fault. Great card though!… show more
Of course, this isn't American Express fault. Great card though!… show more
Dec 09, 2015
Really love this card I Love American Express I have a few different cards but I love the perks of this card being that you get certain points back and what not, you can't beat getting things back for spending. Another thing I love is this credit card offers really low apr financing which is good for the consumer. Never had a problem with this card and I never leave home without it.
Nov 25, 2015
This is a great everyday credit card. I always use this card to buy groceries because of the 3% cashback. I also always use this card to buy gas as it offers 2% cashback at the pump. American Express is always offering great offers as well. Considering this card also has no annual fee, it is a great card! I highly recommend it.
Nov 23, 2015
This credit card is great because of the sign up bonus ($100 back for spending $1000 in the first three months) and because of the rewards. I use my credit card often. I love the security that I get with this card as well. I traveled to Seattle this past summer and was notified that my card had been used in the airport. Some people find it a creepy or a pain that someone is keeping tabs on you, but I love the security. The more the better! Check out this card!… show more
Nov 23, 2015
THe best thing about this card, like every AMEX card, is that the user has access to all the AMEX sync deals through twitter. This alone makes the card superior to other credit card companies. Beyond this, customer service is great. It is always a pleasure to deal with AMEX. Any issues are quickly and professionally resolved.
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Last updated on: Apr 16th, 2021 at 18:05 ET
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Blue Cash Everyday® Card from American Express is related to the following categories:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Apr 16th, 2021 at 18:05 ET