American Express
Blue Cash Everyday Card
Annual Fee
$0
Sign-up Bonus
20,000 pts
Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on grocery (catalog median is 1.5x)
- 3x on gas (catalog median is 1.5x)
- 3x on online shopping (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$481/yr
$456 rewards + $25 credits
#12 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$453/yr
$428 rewards + $25 credits
#35 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$401/yr
$376 rewards + $25 credits
#60 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
1x
Grocery
3x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
3x
Rideshare
1x
Streaming
1x
Amazon
3x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% at U.S. supermarkets (up to $6k/year, then 1%), 3% at U.S. gas stations, 3% on U.S. online retail purchases, 1% everywhere else. No annual fee.
- Grocery: bonus rate capped at $6,000 of spend per year (3% at U.S. supermarkets on the first $6,000 a year, then 1%)
- Gas: bonus rate capped at $6,000 of spend per year (3% at U.S. gas stations on the first $6,000 a year, then 1%)
- Online Shopping: bonus rate capped at $6,000 of spend per year (3% on U.S. online retail on the first $6,000 a year, then 1%. Amazon counts here and shares this cap.)
Benefits & Credits
Disney Streaming Credit$84
We count this at 30% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Up to $7 a month for subscriptions bought at DisneyPlus.com, Hulu.com or Stream.ESPN.com. Enrollment required.
Blue Cash Everyday Card FAQ
What is the Blue Cash Everyday Card annual fee?
The Blue Cash Everyday Card has no annual fee.
What is the Blue Cash Everyday Card signup bonus?
20,000 dollars for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Blue Cash Everyday Card?
3x on grocery, 3x on gas, 3x on online shopping. Everything else earns 1x.
Compare With Similar Cards
Is Blue Cash Everyday Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.