Amex Blue Cash Everyday Credit Score: A Comprehensive Review

The American Express Blue Cash Everyday card is a solid choice for those looking to earn cash back rewards on their daily purchases. With a relatively low credit score requirement, it's a great option for individuals with average credit.

This card offers 3% cash back on groceries, 2% cash back at gas stations, and 1% cash back on all other purchases. It also has no rotating categories or spending limits on these rewards.

The American Express Blue Cash Everyday card has a credit score requirement of 620-700, making it accessible to those with average credit.

The Blue Cash Everyday credit card from American Express offers a range of key features that make it a solid choice for those looking for a no-annual-fee cash-back credit card.

You can earn 3% back on up to $6,000 spent per year at U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, making it a great option for those who frequently shop in these categories.

The card also offers 1% back on all other purchases, providing a consistent return on your spending.

One of the standout features of the Blue Cash Everyday card is its intro APR offer, which provides 0% intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 18.24%-29.24% Variable APR.

In addition to the cash-back rewards, the card also offers a range of benefits, including a $180 credit for Home Chef, a meal kit delivery service, in the form of $15 monthly statement credits, and a $84 credit for a subscription to The Disney Bundle, in the form of $7 monthly statement credits.

Here are some of the key benefits of the Blue Cash Everyday card:

The Blue Cash Everyday card also offers a range of rewards categories, including U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations, making it a great option for those who frequently shop in these categories.

The Blue Cash Everyday card has some amazing benefits and advantages that make it a great choice for many people.

One of the biggest advantages is that there's no annual fee, which is a huge plus considering the generous cash back rewards program.

You can earn up to $180 per year in cash back at U.S. supermarkets with a $6,000 spending limit, and 3% cash back at U.S. gas stations up to the same cap.

The cash back categories don't change, so you can always expect 3% at the U.S. supermarket and 3% at U.S. gas stations, making it easy to plan your spending.

With a solid intro APR promotion of 15 months, you can make purchases and balance transfers without worrying about interest rates for a while.

The welcome offer is also very generous, rewarding new cardmembers for spending during the first few months.

The card offers EMV Chip Enabled security features, including Fraud Monitoring, Zero Liability, and Alerts, to keep your account safe.

You can also make contactless payments with Tap to Pay, Apple Pay, Google Pay, Samsung Pay, and Fitbit Pay.

Here are some of the benefits and features you can expect from the Blue Cash Everyday card:

To get approved for the Amex Blue Cash Everyday Card, you'll need a credit score of around 670 or greater.

You can check if you prequalify by visiting American Express's website and clicking "Go to Personal Cards", and then "Check for Offers."

A credit score of at least 690 is generally considered good credit, which is a good starting point.

If you have a 700 credit score, you're highly likely to get approved, and it's considered good credit.

An 800+ credit score is considered excellent, but it's not the only factor in getting approved.

The Blue Cash Everyday Card from American Express offers a range of rewards and bonuses that can help you earn cash back on your purchases.

You can earn 3% cash back on up to $6,000 spent each calendar year at U.S. supermarkets, then 1% on everything else. This is a great way to save money on your grocery bills.

The card also offers 3% cash back on up to $6,000 spent each calendar year on U.S. online retail purchases, and 3% cash back on up to $6,000 spent each calendar year at U.S. gas stations.

In addition to these rewards, the card offers a welcome bonus for new cardholders. You can earn a $200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months.

Here's a breakdown of the rewards and bonuses offered by the Blue Cash Everyday Card:

The card's rewards structure is relatively straightforward, and the welcome bonus is a nice incentive for new cardholders. However, it's worth noting that the card's redemption options are limited to statement credits.

The Blue Cash Everyday credit card has some great rates and fees that can help you save money. The annual fee is $0, which is a huge plus. This card is perfect for those who don't want to pay an annual fee.

The rewards rate is 1-3%, which is a decent rate for everyday purchases. If you spend $2,000 in purchases on your new card within the first 6 months, you'll earn a $200 statement credit. This is a great incentive to use the card for your daily expenses.

The card also offers a 0% intro APR for 15 months on purchases and balance transfers. This is a fantastic perk for those who need time to pay off large purchases or transfer balances from other cards. I've personally used this feature to buy a $2,000 laptop and some electronics, and it was a huge help.

After the intro period ends, the APR will vary between 18.24% and 29.24%. This is the ongoing APR for purchases. If you need to make a cash advance, be aware that the APR is 29.49%, which is significantly higher.

Here are the key rates and fees to keep in mind:

The Blue Cash Everyday card offers 3% cash back on up to $6,000 a year in spending in three categories: U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. After reaching the $6,000 cap, you earn 1% cash back in these categories.

Other purchases earn 1% cash back, making it a simple and straightforward rewards program. The card's rewards structure is designed to provide a boost to your spending in specific areas, while still offering a decent return on other purchases.

The 0% Intro APR is a great perk of the Blue Cash Everyday card. It's available on purchases in the first 15 months.

You can use this time to pay off expensive items without worrying about interest. For example, buying a $2,000 laptop can be a significant expense, but with the 0% APR, you can pay it off over time.

The introductory period is 15 months, which is a generous amount of time to pay off a large purchase. After that, the regular APR kicks in, which is currently 19.24% - 29.99%.

This means you'll need to pay off your balance before the introductory period ends to avoid interest charges.

Making on-time payments is crucial to avoid any issues with your Blue Cash Everyday Card. If you miss a payment, you'll be charged a late fee, which is pretty standard.

The penalty APR is a concern, but it's only in effect for at least six months after your late payment. After that, your APR will return to its normal rate.

You won't have to worry about interest fees for a while, though, because this card offers 0% APR for 15 months.

The Blue Cash Everyday card offers 3% cash back on up to $6,000 a year in spending in certain categories.

You can earn 3% cash back on purchases at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases.

After you hit the $6,000 cap in any of these categories, you earn 1% cash back.

Other purchases, like dining out or traveling, earn 1% cash back.

The card's rewards structure is designed to incentivize spending in specific areas, making it a great option for those who frequently shop online or fill up their gas tanks.