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American Express is making big changes to its Blue Cash Everyday® card.
This week, card issuers announced new perks and rewards categories that can add a lot of annual value to new and existing cardholders.
The no-annual-fee card now offers increased rewards in existing categories, new bonus reward categories, and annual credits that save you money throughout the year on select subscription services. Plus, get a 0% introductory period on purchases and balance transfers.
If you already have a Blue Cash Everyday Card, you can expect all these changes. And if you’re considering a new cash back card, here’s how you can take advantage of Blue Cash Everyday’s enhanced benefits to maximize your savings and card benefits.
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learn more On our partner’s secure site. See our rates and fees. Terms of use apply.
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Introductory benefits:
$250
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Annual fee:
$0
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Normal APR:
16.99% – 27.99% variable
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Recommended credit score:
670-850 (good to very good)
Reward rate:
3% cash back on US supermarket purchases up to $6,000 annually, then 1% thereafter. 3% cash back on US online retail purchases (up to $6,000 annually, then 1% thereafter). 3% cash back at gas stations in the US (up to $6,000 annually, then 1% thereafter). 1% cashback on other purchases.
Take NextAdvisor
Strong Points
- Daily Reward Category
- No annual fee
- great welcome offer
- Introducing Purchases and Balance Transfers APR
Cons
- 2.7% foreign transaction fee (see Fees & Fees)
Conclusion
The American Express Blue Cash Everyday Card offers cash back on daily purchases at US gas stations and supermarkets with no annual fee and generous welcome bonuses. But if you spend a lot in certain categories, there are higher-income daily rewards cards like American Express’s $95 ($0 first year annual fee) Blue Cash Preferred® card. It might make more sense.
Additional card details
- Introductory annual interest rate of 0% for purchases and balance transfers for 15 months from account opening date, thereafter variable annual interest rate of 16.99% to 27.99%
- Cashback is received in the form of reward dollars that can be redeemed as statement credit
- Access to pre-sales and exclusive seating with American Express Experiences
- Travel and purchase protection
- Amex Pay It, Plan It
Blue Cash Everyday New Perks
Here’s a breakdown of what the Blue Cash Everyday Card currently offers cardholders:
Cashback benefits
Amex’s Blue Cash Everyday card revamp includes a reimagined rewards system.
Previously, 3% cashback at US supermarkets (up to $6,000 on annual purchases, then 1% thereafter), 2% cashback at US gas stations, 2% cashback at select US department stores, and I got 1% cashback. Cash back on other purchases.
You can still get 3% cash back up to $6,000 annually at US supermarkets, but you can still get 3% cash back up to $6,000 annually at US gas stations. Amex also added a new cashback category, so he can earn 3% up to $6,000 a year on US online retail purchases, after which he can earn 1%. All other purchases earn the same 1% cashback.
There is no minimum amount required to redeem your cashback. Cashback can be redeemed for a statement credit on your account. Previously, rewards could only be redeemed when the balance reached $25 or more.
Annual Credit Benefit
One of the biggest changes to Blue Cash Everyday is the addition of annual credits to our partners’ subscription services. If you’re already paying a monthly fee for a Disney Bundle or Home Chef subscription, this is a great benefit for a no-annual-fee card.
Spend $13.99 or more per month on eligible subscriptions and receive a $7 monthly statement credit for Disney Bundles (up to $84 annually). The Disney Bundle includes memberships to Disney+, Hulu, and ESPN+ streaming services.
You can also receive a $15 monthly statement credit with your Home Chef online purchase. This is up to $180 per year for meal kit service.
balance transfer
Amex is reintroducing balance transfer offers after removing introductory balance transfer rates on all cards during the pandemic.
Now you can get 0% introductory APR (including 3% or $5 fee for each transfer) for the first 15 months from account opening for purchases and balance transfers, then variable APR from 16.99% to 27.99% You can get
How to use the Amex Blue Cash Everyday Card
We already love American Express’s Blue Cash Everyday as a no annual fee cashback card for everyday spending. It just makes it more valuable to people, especially those who already use or are interested in subscribing to the Disney Bundle and Home Chef.
To maximize the value of Blue Cash Everyday, swipe your card when you buy gas at US gas stations, buy groceries at US supermarkets, and shop online at US online retailers. and get 3% cash back up to $6,000 per category. 1% thereafter.
Based on average consumer spending, we estimate the annual value of this card to be $264.04, but with a $250 welcome bonus, that’s $514.04 for the first year. Earn 20% back (up to $150 in statement credit) on purchases at PayPal merchants during the first 6 months of your cardmembership. Plus, earn $100 in statement credit when you spend $2,000 in the first 6 months of your card membership. That’s even before you count up to $264 in annual credits for the Disney Bundle and Home Chef, all with no annual fee.
Finally, the newly added 0% Introductory Period for Balance Transfer makes this a solid option to pay off existing debt. Use Blue Cash Everyday as your balance transfer card and take advantage of the 0% introductory period for the first 15 months to pay your outstanding balance and then enjoy ongoing rewards and cardholder benefits. However, keep in mind that other balance transfer card options with a longer introductory period may be a better option depending on your debt balance.
Click here for Blue Cash Everyday Card rates and fees.
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