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Great as an everyday, no-annual-fee cash back card.
Brendan Dyer
Written by
Courtney Mihocik
Edited by
/ 14 min
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Snapshot
4.6
Bankrate rating
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Rating: 4.6 stars out of 5
Bottom line
The Blue Cash Everyday is one of the most competitive cash back cards on the market thanks to its impressive rewards rates in multiple everyday spending categories — a rare find on a no-annual-fee card.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
on
American Express
's secure site
See Rates & Fees, Terms Apply
Intro offer
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
Rewards rate
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.
1% - 3%
Annual fee
$0
APR
19.24% - 29.99% Variable
4.6
Bankrate Score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Rewards value
4.0 / 5
APR
1.0 / 5
Rewards flexibility
2.0 / 5
Features
3.0 / 5
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On This Page
On This Page
- Current offer details
- Blue Cash Everyday card pros and cons
- Reasons to get this card
- Reasons to skip this card
- Expert experience
- Blue Cash Everyday vs. other cash back cards
- Best cards to pair with the Blue Cash Everyday card
- Is this card worth getting?
- How we rated this card
- Frequently asked questions
- What cardholders think
Blue Cash Everyday® Card from American Express Card overview
For a no-annual-fee card, the Blue Cash Everyday® Card from American Express is one of the best options for earning rewards on everyday spending. The card offers strong year-round cash back at U.S. supermarkets, U.S. gas stations and U.S. online retailers. It’s one of the few cards that offer boosted cash back for U.S. online retail purchases, which is a valuable category if you frequently shop online.
But while the Blue Cash Everyday card’s generous rates in everyday categories can make it a great fit for most people, it may not be the most lucrativeoption compared to the earning rates you can find on similar cards.
Rewards
- 3 percent cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases of up to $6,000 per calendar year in purchases in each category (then 1 percent)
- 1 percent cash back on other purchases
Expert Appraisal: Exceptional
See our expert analysisWelcome offer
- Earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months
Expert Appraisal: Typical
See our expert analysis0% APR offer
- 0 percent intro APR on purchases for 15 months from the date of account opening
- 0 percent intro APR on balance transfers for 15 months from the date of account opening (greater of $5 or 3 percent balance transfer fee)
- $0 Buy Now, Pay Later Plan It® intro fees on plans created in the first 15 months (fixed monthly plan fee of 1.33 percent of purchase amount moved into plans after that)
19.24% - 29.99% Variable APR
Expert Appraisal: Good
See our expert analysisRates and fees
- No annual fee
- Cash advance fee: The greater of $10 or 5 percent of the amount advanced
- Cash advance and penalty APR: 29.99 percent
- Foreign transaction fee: 2.7 percent of each transaction after conversion to U.S. dollars
- Late payment fee: Up to $40
- Returned payment fee: Up to $40
- Overlimit fee: None
Expert Appraisal: Typical
See our expert analysisOther cardholder perks
- Additional payments options like Pay It® or Plan It®
- American Express Experiences
- Global Assist® hotline
- Dispute resolution
- Complimentary ShopRunner membership
- $84 annual Disney Bundle credit
- $180 annual Home Chef credit
Expert Appraisal: Good
See our expert analysis
Blue Cash Everyday card pros and cons
Pros
It offers a solid mix of generous rewards categories for no annual fee.
The U.S. online retail shopping reward category is a unique offering compared to other rewards cards.
It includes a competitive introductory APR offer on purchases and balance transfers.
Cons
Wholesale clubs and superstores like Target and Walmart aren’t considered U.S. supermarkets in the card’s bonus category.
If you maximize the annual U.S. supermarkets spending cap, you’d earn significantly more cash back with the American Express Blue Cash Preferred® card.
Foreign transaction fees make this card a poor choice for spending abroad.
Why you might want the Blue Cash Everyday Card
The Blue Cash Everyday card is a great choice if you’re just getting started with cash back rewards and aren’t ready to commit to paying an annual fee. Its cash back program is simple and rewards you for common household purchases.
Rewards rate: Simple cash back for everyday staples
The Amex Blue Cash Everyday earns cash back at a generous rate across multiple categories, making it easy to manage your cash back strategy. You can earn 3 percent cash back on your first $6,000 in spending per category (then 1 percent) per calendar year in each of the following:
- U.S. supermarket purchases
- U.S. gas station purchases
- U.S. online retail purchases
Bankrate Insight
It’s worth noting that although marketed as cash back cards, American Express Blue Cash cards earn “Reward Dollars.” American Express allows you to redeem these rewards as statement credits or at Amazon.com checkout.
Benefits: Cardholder perks carry value beyond cash back
Not many no-annual-fee cards offer perks with monetary value, but the Blue Cash Everyday card has notable perks that outclass some annual fee cards.
The most notable perk is the Disney Bundle credit, which is one of the best streaming perks on any rewards card. When you spend $9.99 or more each month on an eligible subscription to the Disney Bundle, you’ll get $7 back each month (enrollment required; subject to auto-renewal) — about a 54 percent discount. The Disney Bundle includes Disney+, Hulu and ESPN+, giving the card an impressive amount of additional value, especially for households with kids, sports fans and binge watchers.
If you enjoy cooking, you can also take advantage of up to $15 in monthly statement credits when you purchase an auto-renewing subscription for Home Chef meal kits — an up to $180 annual value. Worth noting, that although it may code as a grocery purchase, it won’t earn the elevated cash back rate.
The Everyday card also includes a complimentary ShopRunner membership for as long as your card is active (enrollment required). When you pay with your card, you’ll receive free two-day shipping and returns with participating retailers. This perk is especially nice because it complements the Blue Cash Everyday card’s bonus cash back for U.S. online retail purchases.
Intro APR: Intro offers and payment plans form a user-friendly combo
This card’s introductory APR is quite good for a no-annual-fee cash back card, as many cards typically don’t include both purchase and balance transfer offers. It gives you breathing room for purchases and debt consolidation. Plus, you can take advantage of no fees for the Buy Now, Pay Later Plan It feature for plans created during the first 15 months from the date of account opening. After that, plans created after the introductory period will have a fixed monthly fee up to 1.33 percent of each purchase amount moved into a plan based on the plan duration. The card’s regular APR would otherwise apply to the purchase.
Plan It lets you combine up to 10 purchases of more than $100 each into extended payment plans for a fixed fee. On top of that, you can pay upfront for qualifying purchases of less than $100 through Pay It to help keep your daily accumulating balance low. However, you should always calculate your Plan It fees ahead of time to determine if the fixed plan fee is more affordable than the interest you would pay at the card’s regular APR.
Why you might want a different cash back card
If you want to avoid fees or prefer a more attainable welcome offer, you should look elsewhere. You may also find the annual spending caps on the card’s best rewardsrates limiting.
Welcome offer: High spending requirement on a no-annual-fee card
The value of the Blue Cash Everyday card’s welcome offer is similar to what you can expect on most other no-annual-fee credit cards, but with a time frame twice as long as most comparable cards. However, other cards have lower spending requirements offering the same return.
Fees: Transaction fees and penalties can add up quickly
Aside from an annual fee, the Blue Cash Everyday card charges almost every typical card fee. Although it’s not unusual for a cash back card to charge fees for late or returned payments, many similar cards don’t charge foreign transaction fees.
Plus, if you’re not the most experienced credit user, you could risk missing a payment, which would incur a pricey fee. Fees for missed and late payments combined with interest that builds on your balance at this card’s regular APR can quickly amount to more money than you can afford.
Spending cap: A $6,000 limit may be too low
Spending limits can be restrictive for cardholders who prefer to use one card for all purchases. If you spend more than the card’s $6,000 spending cap in each boosted category, you might want to add another card to continue maximizing your earnings.
According to the most recent Bureau of Labor Statistics data, the average American household spends around $5,700 per year on groceries. This comes close to the Blue Cash Everyday’s $6,000 yearly spending cap. If you spend more than $500 a month on groceries, then you’ll hit the cap before the end of the year, and the cash backrate will drop to 1 percent after that.
We tried it: Here’s what our experts say
The Blue Cash Everyday Card is a card Katie Genter, a travel rewards specialist at The Points Guy, had recommended to her parents.
"My parents dislike paying annual fees, and many of their purchases are for groceries at U.S. supermarkets and online retail purchases with U.S. merchants. So, the Blue Cash Everyday Card’s lack of an annual fee and 3 percent cash back categories are a good fit for their lifestyle."
— Katie Genter, Senior Writer, The Points Guy
How the Amex Blue Cash Everyday compares to other cash back cards
While the Blue Cash Everyday Card holds its own against many of the best rewards cards, if you typically make purchases outside the Everyday card’s bonus categories, you might get better value with a competing cash back rewards card.
Bankrate Score
See Rates & Fees, Terms Apply
on American Express's secure site
Annual fee
$0
Intro offer
Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Rewards rate
1% - 3%
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.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
$0
Intro offer
$200 cash back
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Rewards rate
1% - 5%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bankrate Score
See Rates & Fees, Terms Apply
on American Express's secure site
Annual fee
$0 intro annual fee for the first year, then $95.
Intro offer
Earn $250
Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
Rewards rate
1% - 6%
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 on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best cards to pair with this card
The best cards to pair with the Blue Cash Everyday card earn boosted rewards in categories not included in its 3 percent tier. A flat-rate rewards card would also work well if you make frequent purchases outside common rewards categories.
Who is the Blue Cash Everyday card right for?
If you prefer simplicity or don't fly much, the Blue Cash Everyday’s categories might best benefit you.
Bankrate’s Take — Is the Amex Blue Cash Everyday worth it?
The Blue Cash Everyday Card from American Express is worthwhile if you want to earn excellent cash back in common categories, such as U.S. supermarkets, U.S. gas stations and U.S. online retail shopping without paying an annual fee. However, if you don’t shop online, fear you might run into the card’s spending cap or don’t mind paying an annual fee, you may want to look at other popular cash back cards for better value.
For rates and fees of the Blue Cash Everyday Card, please click here.
For rates and fees of the Blue Cash Preferred Card, please clickhere.
Eligibility and Benefit level varies by card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.
How we rated this card
150+
cards rated
50+
rewards programs valued
1800
data points analyzed
40+
perks evaluated
We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.
Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).
We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:
Frequently asked questions
What cardholders think
Blue Cash Everyday® Card from American Express
4.4
88 ratings
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are unedited and have not been reviewed or approved by credit card issuers.
91% of customers recommend this card
Score breakdown
5 stars
60%
4 stars
31%
3 stars
2%
2 stars
0%
1 star
7%
Score by category
Overall4.4 / 5
Extra perks3.8 / 5
Privacy and security4.2 / 5
Customer service4.5 / 5
Online portal or mobile app4.1 / 5
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.
Community Reviews
Explore Blue Cash Everyday® Card from American Express reviews from certified cardholders.
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I wanted my first adult credit card and based on the preliminary research AMEX seemed like a good fit and when I called and described my purchasing habits I was advised to pick this card
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, because I have other cards I use as well
Score by category
Extra perks4 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Great features and experience
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Why use it a few ties a week
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Appreciate the fact the I’ve never known to have a security breach here.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Cash back on total expenses
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, it is not a part of my everyday life. I don't use it as often I use to in the past.
Score by category
Extra perks5 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It is very convenient and it gives you rewards for using your card.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It gives me cash back which I use as a statement credit.
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Reward points
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Managing this card has been extremely efficient, the website and app feel modern, customer service has always been good and my information has been safe for many years without any known incident
Score by category
Extra perks3 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Some places won’t accept American Express because of the fees they charge merchants
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s accepted in most places
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I applied for a credit card with Americsn Express, and was qualified to recrive Blue Cash Everyday Card from American Express.
Score by category
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
at the time there was a bonus points if you met the purchase required within three months. was a good deal so i took it
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The benefits
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I woul recommend because of the cash back and discounts
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Rewards
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It's a great card with great benefits for it's members
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The card is easy to use, customer service is responsive and card has good rewards with many redeemable options.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
received offer in mail
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great card to use and great customer service.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I don't use this card very much...I believe I opened it "way back when" because it had an introductory offer of no interest for a certain amount of time and that worked well for me as I was making a large pruchase.
Score by category
Extra perks3 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. It has good benefits
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Customer service was exceptional when we had a scam charge
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I save 6% on all grocery items. This has allowed me to continue to maintain my spending within my budget.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
This card has a $100 annual fee, which helps to earn a higher % cash back on certain purchases, and maybe other benefits that I don't know or care about. I determined if the cash back bonus was worth it by calculating the amount that I spent in that category, and creating a cutoff point where I earned more than the extra $100 that it costs to maintain the membership.
Score by category
Extra perks3 / 5
Online portal or mobile app2 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes for cash back.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I have a insurance payment from this card once a month
Score by category
Extra perks2 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Never had any problems
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don’t use it everyday so I wouldn’t say it is part of my everyday life.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card if they wanted an American Express card. It's not tied to any affiliation such as a hotel.
Score by category
Extra perks5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend Blue because you can choose to pay over time if you have to and any American Express card looks great on your credit history.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
love it i earn rewards very fast and easy to redeem
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Amazing service like omg
Score by category
Extra perks3 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I was given an offer through the mail.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is! I get points and eventually I get rewards.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Good service
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I earn 6% back at grocery stores with my card, so that always makes grocery shopping more relaxing knowing how much I’ll be saving on top of the sale prices by paying with my card.
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s a great card with great benefits
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Some places I go will not accept the card.
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Long relationship with American Express moved me to respond to mailing offer.
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Because of cash back reward
Score by category
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Not one experience but the fact that I could get extra rewards by using the card
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have cashed in my benefits for statement credit several times with no problems
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is apart of my everyday because it helps me save a lot
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because I have the best experiences with it
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service3 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It has really great perks and can be used a lot of places.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to a friend because it has great rewards
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Id recommend it bc it has been a good company to have a credit card from, shows the payment processed right away in your account, I was easily able to change my new last name when I got married right on the website, the customer service has always helped me when I've been locked out no matter what time of day & it was great cash back perks. My only thing is that it's the lowest credit limit I have amongst my cards.
Score by category
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. This is a major card I use everyday.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Easy to use great incentive
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I just wanted this card
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I used the card to get a bonus offer from a local restaurant.
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I chose this card when Costco ended their association with American Express. I did not want to keep the business card that I had.
Score by category
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Early access to Hamilton tickets
Score by category
Extra perks2 / 5
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
You can easily reach a representative and their website is easy to navigate
Score by category
Extra perks3 / 5
Online portal or mobile app5 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
it does not give good enough rewards
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Offers great rewards of cash back on groceries
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I don’t typically use it because the rewards aren’t significant.
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No I use it for large purchases
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use it occasionally. It only pays 1% cash back so I mainly use it on occasions where a company that I like offers cash back if I click on their business on the AMEX website
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
A family member was using it they just basically gave me information on it and I said hey I'll give it a try
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
rewards
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
They gave me my first card
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Fee worth it. Cash back for groceries offsets the fee.
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I would not have this card if there was an annual fee. I do not want to keep track of whether or not I recouped what I spent for the fee that year.
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I’ve had this card for a long time. I have a very high credit limit so if I need it I can borrow from the card in an emergency. Fortunately I’ve never needed to do that. I’ve never had any problems with my card.
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I simply love the 6% cash back on groceries especially when the food inflation is out of control.
Score by category
Extra perks4 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have been called or informed by American Express several times regarding possible fraud on my card.
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Cash back promotion
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Zero interest balance transfer
Score by category
Extra perks5 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Nice to have some cash back after using the card.
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
it has great benefits and flexibility when traveling internationally
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No interest rate to high and causes debt
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
They can give you cash back which is nice
Score by category
Extra perks4 / 5
Online portal or mobile app5 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Having a simple cash back card with the American Express name tied to it
Score by category
Extra perks4 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I chose the American Express Blue Cash Preferred because of the benefits the card offer. I was attracted to the high cash back returns on groceries, gas stations and all other purchases.
Score by category
Extra perks5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Annual fee is ok because of high earning rate on groceries.
Score by category
Extra perks3 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I was able to get some cash back so i could pay for a hotel
Score by category
Extra perks4 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
No annual fees
Score by category
Extra perks3 / 5
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, credit line is low and APR is high.
Score by category
Extra perks3 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
My card does not have an annual fee; if it did I would cancel the card. I can get all the same benefits from my other cards without a fee.
Score by category
Customer service5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Would not pay a fee
Score by category
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
It gives you extra cashback on grocery purchases. So that’s cool. I think also on restaurants and something else but I rarely dine out.
Score by category
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have earned rewards for gas and its been helpful.
Score by category
Extra perks5 / 5
Customer service4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It had low or no interest rates at the time I received it
Score by category
Online portal or mobile app3 / 5
Customer service3 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is. It has the highest limit and is the easiest to use and has the most rewards for using frequently!
Score by category
Extra perks3 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Score by category
Compare the best no annual fee credit cards
Brendan Dyer holds a Master of Fine Arts in Journalism from Western Connecticut State University and worked previously as a content editor for Regional News Network, a hyper-local TV news station contracted by Verizon FiOS1 News. As a national service volunteer, Brendan exercised a passion for helping underserved communities and demographics through direct, community service. He constantly seeks to apply his expertise as a journalist to the field of personal finance with the goal of helping people navigate the complexities of the credit card industry.
Edited by Courtney Mihocik
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
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