American express foreign transaction fee blue cash everyday

For consumers who want to earn significant rewards on their everyday spending without having to pay an annual fee, the Blue Cash Everyday® Card from American Express can definitely be worth it. It ranks among the top cards for daily spending categories, thanks to its 3% cash back rate on U.S. supermarket purchases on up to $6,000 in purchases each year. While the Blue Cash Everyday® Card from American Express is far from the most rewarding credit card in the grocery category, it’s still one of your best options for earning cash back at supermarkets within the U.S. without having to pay an annual fee.

If you're willing to pay an annual fee, however, cards like the Blue Cash Preferred® Card from American Express offer higher cash back percentages. Further, other cash back cards offer customizable or rotating categories, flat rate earnings and other unique features.

Who is the Blue Cash Everyday® Card from American Express best for?

The Blue Cash Everyday® Card from American Express is best for people who don't spend substantially on their card and don't want to pay an annual fee, but still want to earn rewards on their regular spending. The card's bonus earning categories are applicable to most consumers, and perks like $0 annual fee and a low intro APR offer on purchases help to sweeten the deal.

For consumers looking for significant additional perks and higher rewards rates that are willing to pay an annual fee, you might consider another rewards credit card instead.

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Welcome offer

The Blue Cash Everyday® Card from American Express includes a solid welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Cash back is redeemable for statement credits

This should be easily attainable for most consumers, and provides a little added benefit for using your card.

What's it worth? $200

Who's eligible to earn this offer? Card members with an account that isn’t canceled or past due at the time the statement credit is posted to your account can receive this offer. American Express also reserves the right to withhold your welcome offer if they determine you have abused or misused the system in regards to your offer, or if you cancel or downgrade your card within 12 months.

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Earning rate

The Blue Cash Everyday® Card from American Express offers 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% cash back on other purchases. Terms apply. Rewards can easily be redeemed for statement credits toward your purchases.

Other cards — like the Blue Cash Preferred® Card from American Express for example — offer higher earning rates at U.S. supermarkets. However, this can still be a rewarding option, especially when it comes without an annual fee. Though the supermarket bonus is capped at $6,000 in purchases per year, it’s a pretty generous limit, and could still yield significant amounts of cash back on top of your other earnings. Note also that the 3% cash back earned at U.S. supermarkets does not apply at wholesale clubs like Costco, for example — those purchases will only earn 1% cash back.

Redeeming rewards

Nothing beats the flexibility of cash back rewards, and American Express makes it easy to redeem your cash back. Once you earn at least $25 in Reward Dollars, you can log in to your account and redeem rewards for cash back as a statement credit.

Low intro APR on purchases

If you’re looking to finance a new purchase or pay off a balance at 0%, the Blue Cash Everyday® Card from American Express comes with a longer-than-average introductory offer: New cardholders get an intro APR of 0% on purchases for 15 months (16.99%-27.99% Variable APR thereafter).

If you’re anticipating a major purchase, the card’s introductory APR combined with its welcome offer can help you meet your budget.

Other benefits

Aside from its cash back rewards, the Blue Cash Everyday® Card from American Express has you covered in case a purchase is damaged or stolen:

• Purchase protection: The card offers purchase protection of up to $1,000 per purchase and up to $50,000 per year in coverage for eligible purchases for up to 90 days after purchase.1
• Dispute resolution: If there are fraudulent charges made on your account, American Express will work with you to remedy the situation.

The Blue Cash Everyday® Card from American Express has a unique Buy Now Pay Later offer: $0 buy now, pay later Plan It fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount of $100 or more moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.

This can be a helpful feature if you could use a little buffer paying off larger purchases. However, if you choose to use this feature, be sure to do so with caution to avoid going into debt over high interest rates.

The Blue Cash Everyday® Card from American Express gives you access to American Express Experiences, which offers exclusive access to presale tickets and cardmember-only events. These include things like sporting events, Broadway shows, concerts and more.

The Global Assist Hotline offers cardmembers access to travel and emergency assistance any time you travel over 100 miles from home. You can also use this service for help and information needed to plan your trip before you go.2

Drawbacks

• Charges foreign transaction fees: The Blue Cash Everyday® Card from American Express charges 2.7% of each transaction after conversion to US dollars. As a result, we wouldn't recommend using this card for travel outside the U.S. While it can be great for daily use domestically, you'll likely be better suited with a travel card when you travel internationally.
• Few additional benefits: Because the Blue Cash Everyday® Card from American Express is a no annual fee card, it's missing out on some of the additional benefits that come with cards that charge annual fees. An exceptionally high welcome offer and low APR are typical benefits of annual fee cards, though they can also include items like travel credits, airport lounge access, free checked bags and more.
• Bonus spending categories are capped: The bonus on U.S. supermarket purchases is unfortunately capped. However, $6,000 annually is a relatively large limit, especially if you're not shopping for an entire family.

What credit score is needed for the Blue Cash Everyday® Card from American Express?

The Blue Cash Everyday® Card from American Express requires a 660 - 850 credit score for approval. You'll want to make sure your credit score is high enough before applying to increase your chances of acceptance and avoid damaging your credit score.

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Alternatives to the Blue Cash Everyday® Card from American Express

For a card with a $0 annual fee, the Blue Cash Everyday® Card from American Express offers solid rewards on U.S. supermarket and gas purchases. Still, there are better options for supermarket purchases, and more rewarding cards for everyday purchases to consider when choosing a cash back card.

Discover it® Cash Back

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Blue Cash Everyday® Card from American Express vs. Blue Cash Preferred® Card from American Express

Verdict: Earn more cash back on U.S. supermarket purchases

The Blue Cash Preferred® Card from American Express offers twice as much cash back on U.S. supermarket purchases: 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more), 1% Cash Back on other purchases. Terms apply. These earning categories make it a rewarding option for a wide variety of purchases. And, like the Blue Cash Everyday® Card from American Express, rewards are easily redeemed as statement credits.

It does come with a $0 intro annual fee for the first year, then $95 annual fee, but that fee is well worth it if you can maximize the bonus categories. Plus, the card comes with an enhanced welcome offer to what the Blue Cash Everyday® Card from American Express offers: Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

For rates and fees of Blue Cash Preferred® Card from American Express, please click here

Blue Cash Everyday® Card from American Express vs. Citi® Double Cash Card – 18 month BT offer

Verdict: Earn a high flat rate on all purchases

If you want a single card to use on every purchase, the Citi® Double Cash Card can be more rewarding than the Blue Cash Everyday® Card from American Express. The Citi® Double Cash Card lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Its high rate of cash back could beat out the Blue Cash Everyday® Card from American Express in long term value.

Blue Cash Everyday® Card from American Express vs. Discover it® Cash Back

Verdict: A high-earning option for rotating bonus categories

If rotating bonus categories appeal to you, the Discover it® Cash Back is one of the best options available. The card lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Since the categories rotate and require enrollment each quarter, you’ll have to do a little more maintenance with the Discover it® Cash Back than you would with the Blue Cash Everyday® Card from American Express.

However, the extra effort pays off, especially for new cardholders: You get an Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Should you get the Blue Cash Everyday® Card from American Express?

If you want a dedicated card for U.S. supermarkets and gas stations and don’t want to pay an annual fee, The Blue Cash Everyday® Card from American Express could be the way to go.

You’ll earn a substantial amount of cash back before you even hit the $6,000 earning cap at U.S. supermarkets, and you can easily redeem these rewards for statement credits toward your purchases. Even better, you can use this card in conjunction with a flat-rate cash back card — like the Citi® Double Cash Card – 18 month BT offer — to earn extra cash back on purchases not covered by the card’s bonus categories.

However, if you’re willing to pay an annual fee, or you’re looking for the best all-around cash back credit card, you have plenty of other great cash back credit card options to consider.

Frequently asked questions

Is it hard to get the Blue Cash Everyday® Card from American Express?

The Blue Cash Everyday® Card from American Express requires a 660 - 850 credit score. If your credit score isn't high enough for approval, it will be hard to get this card.

Is Blue Cash Everyday® Card from American Express a credit card?

Yes, the Blue Cash Everyday® Card from American Express is a cash back credit card. That means you'll earn a percentage back on every purchase you make with the card.

What's the difference between Blue Cash Everyday® Card from American Express and Blue Cash Preferred® Card from American Express?

The Blue Cash Everyday® Card from American Express is essentially the $0-annual-fee version of the Blue Cash Preferred® Card from American Express. It comes with similar benefits, but the Blue Cash Preferred® Card from American Express charges $0 intro annual fee for the first year, then $95, and comes with higher earning rates in its bonus categories, a higher welcome offer and some elevated benefits.

1.Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. 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.

2.You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.

For rates and fees of Blue Cash Everyday® Card from American Express, please click here

For rates and fees of Blue Cash Preferred® Card from American Express, please click here

The information related to Discover it® Cash Back has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

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