Card guide
Amex Blue Cash Everyday
Card guide overview
A no-annual-fee cash-back card earning 3% at U.S. supermarkets, gas stations, and online retail—best for people who want boosted categories without an annual fee.
Key card attributes
| Issuing bank | Reward currency | Currency type | Network | Annual fee |
|---|---|---|---|---|
| Amex | Cash Back | Cash back | Amex | $0 |
Closest alternatives
At a glance
The card in three decisions.
The Amex Blue Cash Everyday earns 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (each on up to $6,000 per year, then 1%). All other purchases earn 1%. There is no annual fee.
The welcome offer is a $200 statement credit after $2,000 spend in 6 months. With no annual fee and three 3% categories each with their own $6,000 cap, this is a strong no-fee cash-back card for everyday spending.
Best fit
People who want boosted categories without an annual fee
3% at supermarkets, gas stations, and online retail with no annual fee. Each category has its own $6,000 annual cap.
Current timing
$200 statement credit is the standard offer
$2,000 spend in 6 months. Apply whenever you are ready.
Main watchout
$6,000 caps apply per category
Each 3% category has its own $6,000 annual cap. Heavy spenders in a single category may prefer the Blue Cash Preferred for 6% on groceries.
Current and historical offer
The $200 statement credit is the standard offer.
We compare public offers with public offers.
Timing assessment
$200 is the standard and consistent offer.
Timing is not a major factor.
Why someone may wait
$250 bonuses have appeared occasionally.
Elevated $250 offers have been tracked but are infrequent.
Card benefits
3% in three everyday categories with no annual fee.
Editorial assessment of the card benefits.
Tier 1 - Three 3% categories
The core earning structure.
U.S. supermarkets at 3%
Earn 3% cash back at U.S. supermarkets on up to $6,000 per year, then 1%.
- $6,000 annual cap.
- Does not include warehouse clubs.
Know the limits: Heavy grocery spenders may prefer Blue Cash Preferred at 6%.
U.S. online retail at 3%
Earn 3% cash back at U.S. online retail purchases on up to $6,000 per year, then 1%.
- Separate $6,000 cap from groceries.
- Covers most online retail purchases.
Tier 2 - Additional earning
Gas and other categories.
3% U.S. gas stations at 3%
Earn 3% cash back at U.S. gas stations on up to $6,000 per year, then 1%.
Separate $6,000 cap from groceries and online retail.
Tier 3 - Card basics
Standard features.
No annual fee Fee structure
No annual fee ever.
Cash back as statement credit Rewards
Redeem cash back as a statement credit.
Foreign transaction fee applies Warning
International purchases incur a fee.
Comparison method: No-fee cash-back grocery cards reviewed in July 2026.
Earning rates
3% at U.S. supermarkets, gas stations, and online retail.
Cash-back percentages on eligible purchases.
U.S. supermarkets
On up to $6,000 per year in purchases, then 1%.
U.S. gas stations
On up to $6,000 per year in purchases, then 1%.
U.S. online retail purchases
On up to $6,000 per year in purchases, then 1%.
All other purchases
One percent on other purchases.
Credit interaction: Each 3% category has its own $6,000 annual cap. Total possible 3% earnings across all three categories is $540 per year at the caps.
Blue Cash Everyday value proposition
A no-fee cash-back card with three boosted everyday categories.
The Blue Cash Everyday earns 3% at U.S. supermarkets, gas stations, and online retail with no annual fee.
The math
3%3 categories
3% back in three everyday spending categories with no annual fee.
For households that split spending across groceries, gas, and online shopping, the three separate $6,000 caps provide strong earning potential. The no annual fee makes this a true keeper card.
Ideal spending profile
Where the card earns best.
- U.S. supermarkets (3% back, $6K cap)
- U.S. gas stations (3% back, $6K cap)
- U.S. online retail (3% back, $6K cap)
Blue Cash Everyday at a glance
Key features.
- 3% at U.S. supermarkets on up to $6,000/year
- 3% at U.S. gas stations on up to $6,000/year
- 3% at U.S. online retail on up to $6,000/year
- No annual fee
- $200 statement credit welcome offer
When to upgrade to Blue Cash Preferred
When the Preferred at 6% is better.
- Grocery spend exceeds ~$3,200/year (breakeven vs Preferred fee)
- You want 6% on streaming services
- You are willing to pay a $95 annual fee
Sources and methodology
Sources for this page
- Last checked: July 28, 2026
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