Amex Blue Cash Everyday Review

You can get an Amex Blue Cash Everyday credit limit increase by logging in to your Amex account online or calling American Express at (800) 528-4800 and following the prompts to speak to a representative.

Amex Blue Cash Everyday cardholders become eligible for a credit line increase 60 days after opening an account, but it's best to wait to request an increase until there are at least 6 months of consecutive on-time payments on the account.

Here's how to get an Amex Blue Cash Everyday credit limit increase online:

• Log in to your Amex account.
• Click on “Account Services.”
• Select “Credit Management.”
• Click “Increase Line of Credit.”
• Put in the 4-digit security code from your card.
• Type in your requested credit limit and annual income.
• Submit your request.

Requesting an Amex Blue Cash Everyday credit limit increase by phone requires the same information. Either way you make the request, Amex will typically use a soft pull of your credit, so it will not impact your credit score.  

If your limit increase request is accepted, you will need to wait 6 months to request another one, according to representatives. You'll need to wait 90 days after a denial before making a new request. It's also possible Amex could automatically increase your Amex Blue Cash Everyday credit limit without you asking. But that's not guaranteed, so if you want an increase, it's probably better to ask.

Yes, you can upgrade from Amex Blue Cash Everyday to Blue Cash Preferred. But only if your Amex Blue Cash Everyday account has been open for at least 12 months.

Here's what you should know about the Blue Cash Preferred upgrade:

• When you request an upgrade from Amex Blue Cash Everyday to Blue Cash 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 that 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.
• It usually takes 24-48 hours for the upgrade to be fully processed and for your account to be updated.
• You should receive your card within 7-10 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 after the upgrade has been processed.
• 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.
• American Express usually sends targeted upgrade offers to Amex Blue Cash Everyday cardholders via mail, e-mail, or through their online account. Alternatively, you can call customer service at (800) 528-4800 to request an upgrade to Blue Cash Preferred.
• The Blue Cash Preferred card comes with an annual fee of $0 intro 1st yr, $95 after. There might be an introductory fee offer for you as well, but it is not guaranteed.
• In case you need to pay the $95 annual fee, you will be charged within 45 days of the upgrade. However, it will be a prorated Annual Membership Fee, based on the remaining time until your next account anniversary date.

To increase the odds of getting an upgrade, make sure your Amex 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 overall credit limit.

The best way to estimate your Amex 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 Amex Blue Cash Everyday approval odds is to check your credit score before applying. Applicants for the Amex Blue Cash Everyday require at least good credit to be approved.

Here's how to estimate your Amex Blue Cash Everyday approval odds:

• You can check for Amex 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. Credit card applications can temporarily damage your credit score, so it's best to know where you're situated before applying. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement.
• Your Amex 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 by calling American Express at (800) 567-1083 at least 30 days after denial. That's basically a chance to explain yourself and correct any errors related to your application. Also, if you think your credit score needs improving, consider some tips to address just that.

The best Amex Blue Cash Everyday benefits are rental car insurance and purchase protection. The Blue Cash Everyday® Card from American Express card also has lowest hotel rates guarantee and instant card numbers, which are more common perks across American Express cards.

Amex Blue Cash Everyday Card Benefits

• Rental car insurance*
• Purchase protection*
• Lowest hotel rates guarantee
• Instant card numbers
• Free ShopRunner membership (for free shipping with participating online merchants; enrollment required)

Along with these benefits, the Amex Blue Cash Everyday card has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Blue Cash Everyday® Card from American Express is certainly a card to consider adding to your wallet.

*Insurance Benefits Disclosure: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage is offered through American Express Travel Related Services Company, Inc.

The Blue Cash Everyday® Card from American Express interest rate is 14.74% - 24.74% (V), with the actual rate depending on factors such as your income, credit history and existing debt. The Amex Blue Cash Everyday card also offers new cardholders an introductory interest rate of 0% for 15 months on purchases. After the card's intro rate expires, the regular interest rate applies to any remaining balance. The regular Amex Blue Cash Everyday card interest rate is variable, meaning it can change based on certain economic conditions.

The Amex Blue Cash Everyday gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your Amex Blue Cash Everyday card, it will accumulate interest daily at the card's regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.

In addition to the regular interest rate, Amex Blue Cash Everyday also charges a separate 25.99% (V) interest rate on cash advances and a penalty rate for late payments. All Amex Blue Cash Everyday card interest rates will be listed on your statement and on your online account summary.

The Amex Blue Cash Everyday credit score requirement is 700, at a minimum. That means applicants for the Amex Blue Cash Everyday need good credit or better 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.

Amex Blue Cash Everyday Credit Score Info:

• The Amex Blue Cash Everyday credit score requirement is 700, at a minimum. That means you'll need at least good credit for approval.
• Other requirements for the Amex Blue Cash Everyday card 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 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 the Amex EveryDay® Preferred Credit Card also require at least good credit for high 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 card. 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 indicates you have good odds.

Yes, the Blue Cash Everyday® Card from American Express it is hard to get because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Amex Blue Cash Everyday.

In order to get the Amex Blue Cash Everyday, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN or ITIN.

Keep in mind that even if you meet all of the requirements for the Amex Blue Cash Everyday, you're never guaranteed to be approved.

The Amex Blue Cash Everyday credit limit is based on American Express's assessment of each application, so the card's credit limit will be different for each applicant.

For the most part, Amex Blue Cash Everyday credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

That said, the Amex Blue Cash Everyday credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the American Express customer service number on the back of your card, but it's best not to do that more than once a year. American Express will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with American Express

Blue Cash Preferred® Card from American Express
This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.

The Blue Cash Preferred® Card from American Express is the winner over the Blue Cash Everyday® Card from American Express. The key difference between Amex Blue Cash Preferred and Amex Blue Cash Everyday is that Blue Cash Preferred is both more expensive and much more rewarding.

For example, Amex Blue Cash Everyday offers 1 - 3% cash back on purchases, while Blue Cash Preferred gives 1 - 6% cash back. Blue Cash Preferred pulls ahead early, too, with an initial bonus of $300 statement credit for spending $3,000 in the first 6 months. On the other hand, people who aren’t big spenders may want to consider Amex Blue Cash Everyday because of its $0 annual fee.

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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: 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits for Amex Blue Cash Everyday; 6% cash back at U.S. supermarkets (up to $6,000 spent per year), 6% back on select U.S. streaming subscriptions, 3% back at U.S. gas stations and on transit, and 1% back on all other purchases, earned as statement credits for Blue Cash Preferred
• APR: 14.74% - 24.74% (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.