The Blue Cash Everyday earns 3% cash back on three common categories, U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases, with no annual fee. That makes it a solid everyday card for households that want category rewards without paying for them, and it ranks #4 on our Best Cash Back Credit Cards list. The catch is the caps: each 3% category is limited to $6,000 in spending per year before dropping to 1%, which is also the rate on everything else. The 0% intro APR on purchases and balance transfers runs up to 18 months, but Amex sets the actual length at approval and it can be as short as 6 months, so do not count on the full window. The $200 welcome bonus after $2,000 in six months and up to $7 a month toward Disney+, Hulu, or ESPN+ (enrollment required) are nice extras, though the foreign transaction fee rules it out for travel abroad.
Earn rates & credits
| Category | Rate |
|---|---|
Groceries U.S. supermarkets on first $6,000/yr, then 1% | 3% |
Gas U.S. gas stations on first $6,000/yr, then 1% | 3% |
Online Shopping U.S. online retail purchases on first $6,000/yr, then 1% | 3% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Disney Streaming Credit Up to $7 monthly statement credit for Disney+, Hulu, or ESPN+ subscription purchases | $84 /yr |
| Total annual credits | $84 |
Card details
Regular APR | 19.49%–28.49% variable |
Intro APR on purchases | 0% for 18 months |
Intro APR on balance transfers | 0% for 18 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 9 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.