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Excellent Credit, Good Credit
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.
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Issuer's Online Account Management
Editor’s Take
John Kiernan, Credit Card Editor
Jan 5, 2021
Review: Blue Cash Everyday® Card from American Express
The American Express Blue Cash Everyday Card is a good credit card for people with 700+ credit scores who want a $0 annual fee and bonus rewards on groceries, gas and select department store purchases. Amex Blue Cash Everyday also offers a 0% introductory APR and a $100 bonus as statement credit for spending $1,000 in the first 6 months. On top of all that, new cardholders get 20% cash back on purchases from Amazon.com, up to $200 back, during the first 6 months, too.
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.
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
Make sure your credit is good
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.$100 initial bonus
The Blue Cash Everyday Card offers a $100 statement credit for spending at least $1,000 in the first 6 months. This isn’t the biggest bonus you can find. But it’s certainly not bad, either. Plus, you can now get 20% back on Amazon.com purchases for the first 6 months of account opening, up to $200.0% 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.
Doesn’t have to cost a dime
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.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.
Jan 5, 2021
Blue Cash Everyday® Card from American Express' Rewards
- Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back.
- Plus, earn $100 back after you spend $1,000 in purchases on your new Card within the first 6 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 1/5/2021
at American Express' secure site
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Related Credit Card Categories
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.
How do I get the American Express Blue Cash Everyday $250 bonus? Reply 6514
Shadow Banker
@shadowbanker4
There is no American Express Blue Cash Everyday $250 bonus, but you might see something similar. New cardholders can get a $100 Blue Cash Everyday bonus by spending $1,000 within 6 months of opening an account. Later on down the road, you may receive an offer to upgrade from Blue Cash Everyday to the Blue Cash Preferred card and get a $250 bonus in the process. You’d just need to spend $2,000 in the first three months with Blue Cash Preferred to qualify.
The $250 bonus is a targeted offer, meaning it’s only sent to specific customers. These offers can only be used by the recipient. Current Blue Cash Everyday cardholders have reported receiving the upgrade offer in an e-mail or when logging in to their account. American Express bonuses are subject to change over time, though.
Here’s how the American Express Blue Cash Everyday $250 bonus works:
- Blue Cash Everyday cardholders have reported receiving one of two upgrade offers. Some people have gotten $250 for spending $2,000 within three months of upgrading to Blue Cash Preferred. Others have been offered $150 with the same spending requirements but no annual fee for the first year (usually $95).
- To upgrade to the Blue Cash Preferred card, reply to the upgrade offer and give your name, address, annual income and source of income. You can also call customer service at 1 (800) 528-4800. Amex will do a soft inquiry on your credit, which will not hurt your credit score. Your new card will have the same account number and credit limit.
- Blue Cash Preferred’s standard bonus is currently $250 for spending $1,000 in the first 3 months. But if you upgrade from Blue Cash Everyday, your upgrade bonus will replace the sign-up bonus.
If you’re a Blue Cash Everyday cardholder and you think you can meet the spending requirement for the upgrade bonus, log into your Amex account and click “View All Personal Charge & Credit Cards.” If your card is eligible for an upgrade, you should see an offer listed on that page.
But if you don’t yet have Blue Cash Everyday, you can still get its standard initial bonus of $100 for spending $1,000 in the first 6 months. Or you can apply for Blue Cash Preferred to get its regular bonus of $250 for spending $1,000 in the first 3 months.
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Upvotes
What's the Blue Cash Everyday credit score requirement? Reply 566
Joyce Brown
@blackhole1
The Blue Cash Everyday credit score requirement is good credit or better. A 700 credit score would give you a decent chance of being approved. The likelihood of approval increases the closer you get to a perfect credit score of 850.
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 Blue Cash Everyday credit scores:
- Blue Cash Everyday requires a good or excellent credit score for approval.
- To have good approval odds for Amex Blue Cash Everyday, a credit score of 700+ is needed.
- Blue Cash Everyday’s non-credit score requirements include a steady income and a Social Security Number, ITIN or passport. American Express will also look at your expenses, existing debt, payment history and recent credit inquiries.
- The Blue Cash Everyday card’s good credit score requirement is consistent with all credit cards issued by American Express. For example, the Blue Cash Preferred, Premier Rewards Gold and Amex EveryDay cards also require a credit score above 700 for good approval odds.
- Some cards on the Amex network have lower credit score requirements than Blue Cash Everyday. For example, people with bad credit can get the USAA Secured Amex Card.
At the very least, you’ll want to check your latest credit score before you apply for Blue Cash Everyday. You can also get a better idea of your Blue Cash Everyday approval chances by checking for pre-qualified offers on Amex’s website. People who are pre-qualified aren’t guaranteed approval, but they’re very likely to be approved.
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Upvotes
How do I estimate my Blue Cash Everyday approval odds? Reply 4912
Shadow Banker
@shadowbanker4
The best way to estimate your Blue Cash Everyday approval odds is to check for pre-qualification. You can do that in minutes on the American Express website. Pre-qualification does not guarantee you’ll be approved. But most people who are pre-qualified get approved. Another good way to gauge your Blue Cash Everyday approval odds is to check your credit score before applying. A score of 700 or higher means solid odds.
Here’s how to estimate your Blue Cash Everyday approval odds:
- You can check for Blue Cash Everyday pre-qualification. Go to Amex’s pre-qualified offers page, enter your contact information and the last four digits of your Social Security Number, and click the “View my Offers” button. If you are pre-qualified, it means American Express has done a soft inquiry into your credit and thinks you’d likely get approved.
- You can check your credit score. Blue Cash Everyday requires good credit for approval. Some say that’s 660+, but use 700+ as your minimum for good approval odds.
- Your Blue Cash Everyday approval odds should be pretty similar to your odds with other American Express credit cards.
If your application is denied, you can request a reconsideration. That’s basically a chance to explain yourself and correct any errors related to your application.
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Upvotes
What is the Blue Cash EveryDay credit limit? Reply 4612
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.
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Upvotes
How much is the American Express Blue Cash Everyday foreign transaction fee? Reply 438
Shadow Banker
@shadowbanker4
The American Express Blue Cash foreign transaction fee is 2.7%. Both American Express Blue Cash Everyday and American Express Blue Cash Preferred have that same foreign fee, applicable to any purchases processed internationally.
American Express offers cards that do not have foreign transaction fees, like the Premier Rewards Gold Card and The Platinum Card. The tradeoff here is their large annual fees. The only American Express cards with no foreign transaction fee and no annual fee are the Delta SkyMiles Blue Card and the Hilton Honors Amex Card.
American Express Blue Cash Everyday Foreign Transaction Fees & More:
Foreign Transaction Fee: 2.7%
Annual Fee: $0 for Blue Cash Everyday; $95 for Blue Cash Preferred
Rewards Rate: 1% to 3% cash back for Blue Cash Everyday; 1% to 6% 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 around 160 countries. There are lots of credit cards with no foreign transaction fee on those other networks, too.
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Upvotes
What are the Blue Cash Everyday benefits? Reply 387
Jane Cogli
@janecogli
Blue Cash Everyday’s benefits include $100,000 in travel accident insurance, $50,000 in rental car insurance, $50,000 in purchase protection and $15,000 in extended warranties. They come at no extra cost to you. Other Blue Cash Everyday benefits include a $100 statement credit when you spend $1,000 in the first 6 months, a 0% APR for the first 15 months, and a $0 annual fee.
But those aren’t the only Blue Cash Everyday benefits. There are a few more, plus some important details you should be aware of.
Here are the Blue Cash Everyday benefits:
- Up to $100,000 in travel accident insurance : Covers you, your spouse and your dependent children in the event of death or serious injury while traveling with a common carrier (bus, plane, ship, etc.). You must pay for the entire fare of each person with your card to qualify.
- Up to $50,000 in rental car insurance: Cars you rent using Blue Cash Everyday are insured against theft, damage, towing and loss of use charges. The cardholder and authorized users are eligible. You must decline the rental agency’s insurance.
- Extended warranty worth up to $15,000 per year: Amex matches the original warranty of items you buy with your card, up to a maximum of one year. The original warranty must be for 5 years or fewer. The value of the coverage is up to $10,000 per item.
- Up to $1,000 in return protection each year: You can get reimbursed for up to $300 per item that you buy and try to return but are unable to. You must make your request within 90 days of purchase.
- Up to $50,000 in purchase protection each year: When something you buy with your card breaks or is stolen within 90 days, Amex may give you up to $1,000 per item as compensation.
- $100 statement credit: Spend $1,000 in your first 6 months to get this bonus.
- 0% APR for 15 months: Only for purchases.
- 24/7 roadside assistance: 24/7 hotline that will send someone to help you out if you’re stranded. They can change your tire, jump your battery and more. You have to pay for the services, though.
- Free ShopRunner membership: Get free 2-day shipping on items from 140+ stores.
As you can see, there is a long list of Blue Cash Everyday benefits. And to top it off, you don’t have to pay anything for them. One downside of the card is that it isn’t great for going abroad. There’s a 2.7% foreign transaction fee.
Blue Cash Everyday requires good credit for approval, so you’ll want a score of 700+ before you apply.
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Upvotes
How can I get the Amex Blue Cash Everyday bonus? Reply 3112
Leon Denerus
@Leo.DC
The American Express Blue Cash Everyday bonus is $100, and it is available to new cardholders who spend $1,000 or more within 6 months of opening an account. Blue Cash Everyday also has ongoing bonus rewards, giving 2% - 3% cash back on certain purchases.
You’ll earn 3% cash back on up to $6,000 spent at grocery stores each calendar year, unlimited 2% cash back at gas stations and department stores and 20% back at Amazon.com in the first 6 months, up to $200. All other purchases, including grocery purchases over the yearly limit, get 1% cash back. Blue Cash 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.
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Upvotes
What is the Blue Cash Everyday apply RSVP code? Reply 2910
Jane Parker
@parker16
A Blue Cash Everyday apply RSVP code will be included if you get a pre-qualified offer in the mail. You may receive a pre-qualified offer for Blue Cash Everyday if Amex thinks you’d likely be approved should you apply. The Blue Cash RSVP code is 14 characters: one letter and 13 numbers. You can use it and your zip code to flag your application as pre-qualified when you apply online.
People who get pre-qualified for Blue Cash Everyday and receive an RSVP code to apply with are often affluent big-spenders. But you don’t have to be a current Amex cardholder to receive a pre-qualified offer. And you don’t need to be pre-qualified for a card to apply, although pre-qualification lets you see your odds before applying.
Here’s how to apply for Blue Cash Everyday with an RSVP code:
- If you got a RSVP code by mail, you can respond to the mail invitation online and apply for the card. Plug in the 14-digit code and your zip code and your application will show up to Amex as pre-qualified.
- If you didn’t receive anything by mail, you can check for pre-qualified offers on the American Express website. You need to enter your name, address, and the last four digits of your Social Security Number. You’ll also need to give some information about your income. Then click “View my Card Offers,” and in minutes you will know if you are pre-qualified. Because this uses a soft inquiry of your credit, it will not impact your credit score. You won’t get an RSVP code with the online method. You won’t need one.
- Pre-qualification does not guarantee you’ll be approved, but it means your chances are high. The Blue Cash Everyday card requires a good credit score. So before you apply, see if your credit score falls within that range and review your credit report for any errors, just as a precaution.
If you’re not pre-qualified for the Blue Cash Everyday card, that does not mean you will necessarily be rejected if you apply. But you might want to rethink it for now and work on improving your credit.
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Upvotes
What credit score is needed for the American Express Blue card? Reply 111
Berry Mendoza
@barry_mendoza
American Express Blue applicants generally need good credit for approval (i.e., a score above 700), but simply having such a credit score doesn't necessarily guarantee approval.
Issuers typically make proprietary modifications to publicly available scoring models, in addition to considering factors such as your income and assets.
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Upvotes
Can you upgrade from Blue Cash Everyday to Preferred? Reply 41
JOSEPH BULEBUSH
@joeybule
It is possible to upgrade from Amex Blue Cash Everyday to Preferred, as long as the Blue Cash Everyday account has been open for at least 12 months. American Express sometimes sends targeted upgrade offers to Blue Cash Everyday cardholders, either through the mail or by e-mail. Or, you can call customer service at 1 (800) 528-4800 to request an upgrade to Blue Cash Preferred. To increase the odds of getting an upgrade, make sure your Blue Cash Everyday account is in good standing. That means a history of on-time payments and low credit utilization, preferably less than 30 percent of your credit limit.
When you request an upgrade from Amex Blue Cash Everyday to Preferred, there’s no hard inquiry on your credit report, so there’s no effect on your credit score. Approval for an upgrade typically takes just a few minutes, but there’s no guarantee you will be approved.
If you are approved for an upgrade, your card number won’t change, but you will receive a new card with an updated expiration date and security code. You should receive your card within 7 business days from when the upgrade was approved. You can use your old card until the new one arrives, but it will have all the benefits of the new card within a day after the upgrade. Your current credit limit and APR will carry over to the new card, as will your unredeemed rewards. But you won’t qualify for any introductory bonus offers unless they are cited in your upgrade offer from Amex.
Finally, the Blue Cash Preferred card comes with a $95 annual fee. If you’re approved for an upgrade, the first fee will not be charged. After that, the entire fee will be charged to the account on your next anniversary date.
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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.
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.
1 Comment
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.
Nov 11, 2015
I like that there is a $100 bonus for $1000 charged to the Blue Cash Everyday Card from American Express in the first three months. I'm not excited about the 3% rewards for spending at grocery stores since I prefer to use cash at the grocery, and the gas station I use does not accept American Express cards of any type. I also do not like the idea that the rewards are only available as statement credits. I definitely prefer rewards that can be used for gift cards for merchants.… show more
Oct 23, 2015
O% cards like this are a big help. I know it doesn't last forever but 15 months is a pretty big window for not paying interest. I have this exact AMEX card and I'm still in the middle of the 15-month 0% window. It gives me plenty of time to pay off the entire balance without worrying about annoying interest payments. Also, the additional features of this card definitely make it an even better choice for card users out there.… show more
Aug 27, 2015
Here's what I think is great about this card- there is no annual fee and you are ALWAYS earning in some way. It doesn't get much better than that. I guess the biggest difference between this and other cards I have are how the cash is put back to your statement. I do like how my Southwest Card I can put it towards other things besides air travel. It is handy to have that flexibility. But overall the Blue Cash Everyday Card has a very competitive interest rate and no annual fee which is huge! And who couldn't use the $100 bonus?… show more
Aug 11, 2015
I have used my Blue Cash American Express card everywhere! I use it to shop for groceries, clothes, school supplies, etc. I get points for shopping 3% cash back for groceries and 2% cash back for gas purchases so I have been using it to fill up my tank ever since I got it in 2009. I am very pleased with the company, it is a pleasure working with them.
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Last updated on: January 5th, 2021 at 04:29
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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 issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jan 5th, 2021 at 04:29 ET