Amex Blue Cash Everyday

Rewards summary

Earns 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases, each on up to $6,000 a year, then 1%, and 1% on everything else. At a typical spending mix it lands about even with a flat 2% card; it wins when those three categories carry most of your spending.

Earn rates

• 3% at U.S. supermarkets on up to $6,000 a year, then 1%
• 3% at U.S. gas stations on up to $6,000 a year, then 1%
• 3% on U.S. online retail purchases on up to $6,000 a year, then 1%
• 1% on other purchases

Year-2 value math

Year-2 net value of about $480 on $24,000 of annual spending: about the same as a $0, 2% flat-rate card.

U.S. supermarkets: $6,000 at 3%

$180

U.S. gas stations: $2,000 at 3%

$60

U.S. online retail: $4,000 at 3%

$120

Everything else: $12,000 at 1%

$120

Annual fee (Year 2)

$0

Year-2 net value

$480

$0, 2% flat-card baseline on the same $24,000

$480

Difference vs. baseline

$0

At this spending mix, the card beats a $0, 2% flat-rate card once about $12,000 a year runs through its bonus categories (we assume $12,000).

Assumptions behind the math

• $24,000 of annual spending on this card, split as shown.
• Rewards valued as cash back at 1¢ each.
• Welcome bonus excluded: this is Year-2 math, when the card has to earn its keep.

Credits and perks

A Disney streaming credit of up to $7 a month is reported but not confirmed for 2026, so no credit is counted.

• Not a travel card, and a 2.7% foreign transaction fee applies abroad.
• Rewards are cash back (Reward Dollars) only; no Membership Rewards transfers.

What the marketing overstates

• "3% back" is capped at $6,000 per category per year, and only 1% applies on everything else.
• Superstores and warehouse clubs are excluded from the supermarket category.

Who should get it

• No-fee households with steady grocery, gas, and online shopping
• People who want category cash back without an annual fee
• Households pairing it with a 2% card for everything else

Who should skip it

• You spend more than about $3,200 a year at U.S. supermarkets: Blue Cash Preferred earns more after its fee
• Your spending is spread evenly across many categories: a flat 2% card is simpler and earns about the same
• You shop mostly at warehouse clubs or superstores

Alternatives to compare

• Amex Blue Cash Preferred ($95 annual fee)

  Earns twice the supermarket rate for $95 a year; it wins above roughly $3,170 of supermarket spend.

• Citi Double Cash ($0 annual fee)

  A flat 2% on everything if your spending is not concentrated in these three categories.

• Wells Fargo Active Cash ($0 annual fee)

  Flat 2% with cell phone protection.

Fact check

Checked Oct 29, 2026. Checked against current public card listings and recent 2026 card reviews. Issuer terms were not independently confirmed, so confirm final terms on the issuer's site before applying.

• Verified: $0 annual fee; 3% U.S. supermarkets, U.S. gas, and U.S. online retail, each capped at $6,000 a year; 1% other.
• Not yet verified: A Disney streaming credit of up to $7 a month is reported by a single April 2026 source; it is excluded from the math until confirmed.
• Not yet verified: The welcome offer varies by listing and is not used in this profile.

Sources

• American Express official card page

  Primary source for current terms. Our automated check of this page runs weekly.

• NerdWallet

  Checked Oct 29, 2026: $0 fee, 3% U.S. supermarkets/gas/online retail with separate $6,000 caps.

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