Our illustration in the card’s colours, not its design
American Express credit card
Blue Cash Everyday® Card
No annual fee. Purchase APR 19.74–28.74%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“Annual Fee None”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Cardmember agreement · Filed with the CFPB · PDF
“Foreign Transaction: 2.7% of the converted U.S. dollar amount.”
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $215 | $215 | |
| Typical spender | $470 | $470 | |
| Heavy spender | $850 | $850 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$215a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$470a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$850a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 95% of the 732 cards we track.
- No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$140 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$130 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$130 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Blue Cash® Reward Dollars
How you earn
- 3%
- Eligible purchases at supermarkets located in the U.S.Eligible U.S. online retail purchasesEligible purchases of gasoline at gas stations located in the U.S.
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Disney Streaming Credit: $7 monthly
- Car Rental Loss and Damage Insurance provides secondary coverage for damage to or theft of a rental vehicle in a covered territory when the eligible Card is used to reserve and pay for the entire rental and the collision damage waiver is declined. Coverage is unavailable for vehicles rented in Australia, Italy, and New Zealand, and does not include liability coverage.
- Global Assist® Hotline is available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Third-party service-provider costs are the Card Member's responsibility.
- Purchase Protection can protect covered purchases for up to 90 days from the purchase date if stolen or accidentally damaged.
- Card Members can access Amex Presale Tickets® and Amex Reserved Tickets® for select events, while supplies last.
All 14 benefits
- Card Members can explore Amex Offers for extra rewards on qualifying purchases at select brands; enrollment or adding offers to the eligible Card may be required.
- Send & Split® is available for sending money and splitting purchases; enrollment is required.
- Reward Dollars may be redeemed at Amazon.com checkout for eligible purchases.
- Instant Card Number may be available after approval and eligibility for online use and digital wallets.
- Additional Cards may be added for another person who makes purchases for the Card Member.
- American Express will work with Card Members to help resolve fraudulent or incorrect charges.
- Rental car
- Emergency assistance
- Purchase protection: $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Annual Fee None” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “APR For Balance Transfers Prime Rate + 12.74% to Prime Rate + 21.74% for any balance transfer requests we”
|
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Balance Transfer: 3% of the transaction, with a minimum of $5.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Foreign Transaction: 2.7% of the converted U.S. dollar amount.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Cardmember agreement · Filed with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 2.7% of each transaction after conversion to US dollars.. · Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR · Filed with the CFPB · PDF, since Sep 29, 2026