American Express Blue Cash Everyday
American Express · Cashback review
Family households that want 3% at U
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
19.24% – 29.99% variable
Variable — verify the current range at the issuer
Intro APR
0% on purchases and balance transfers for 15 months
Then the ongoing APR applies
As of June 29, 2026
Best for
Family households that want 3% at U.S. supermarkets, gas, and online retail with no annual fee — the $0 AF sibling to the Blue Cash Preferred for households that won't hit the preferred card's grocery cap.
Not for
Households spending $5,000+/yr on groceries (the Preferred's 6% catches up to the AF fast) and travelers (2.7% foreign-transaction fee).
The catch
Each 3% category is capped at $6,000/yr separately. Most households never test the cap — but if you do, your effective rate drops to 1% past $6k in any single category.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on purchases and balance transfers for 15 months
- Ongoing APR
- 19.24% – 29.99% variable
- Foreign transaction fee
- 2.7%
- Balance transfer fee
- $5 or 3%
- Late payment fee
- Up to $40
- Schumer Box verified
- June 29, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the American Express Blue Cash Everyday charge an annual fee?
No. The American Express Blue Cash Everyday carries a $0 annual fee, sourced from the issuer's published Schumer Box as of June 29, 2026. Rates change — confirm the current terms at the issuer.
What APR does the American Express Blue Cash Everyday charge?
19.24% – 29.99% variable. There is also an intro rate: 0% on purchases and balance transfers for 15 months. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the American Express Blue Cash Everyday charge foreign transaction fees?
Yes — 2.7% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the American Express Blue Cash Everyday best for?
Family households that want 3% at U.S. supermarkets, gas, and online retail with no annual fee — the $0 AF sibling to the Blue Cash Preferred for households that won't hit the preferred card's grocery cap.
Who should skip the American Express Blue Cash Everyday?
Households spending $5,000+/yr on groceries (the Preferred's 6% catches up to the AF fast) and travelers (2.7% foreign-transaction fee).
How did ClearValue score the American Express Blue Cash Everyday?
American Express Blue Cash Everyday scored 85/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the American Express Blue Cash Everyday
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
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- Capital OneSolid pick
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- Capital OneSolid pick
Capital One SavorOne Cash Rewards
89/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forDining- and entertainment-heavy households that want 3% cash back on restaurants, entertainment, popular streaming, and
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