3% on groceries, gas, and online retail — no annual fee, no break-even math.
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Good–Excellent credit — 700+ FICO typical; hard pull required
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Everyday spenders who want meaningful cash back across three core categories without paying an annual fee.
The Amex Blue Cash Everyday Card has no annual fee. It earns 3% cash back at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases — each category capped at $6,000 per year (1% after). A 2.7% foreign transaction fee applies. The regular APR is 19.49%–28.49% variable after the 15-month 0% intro period. Verified at americanexpress.com, June 2026.
| Year 1 value | Ongoing value |
|---|---|
| $200 statement credit after $2,000 in purchases in 6 months + 15-month 0% intro APR on purchases and balance transfers | 3% at U.S. supermarkets (up to $6K/yr), 3% at U.S. gas stations (up to $6K/yr), 3% on U.S. online retail (up to $6K/yr); 1% elsewhere; no annual fee |
| Each 3% category capped at $6,000/year separately; $84/yr Disney+/Hulu/ESPN+ statement credit available | |
American Express Blue Cash Everyday® Card — 3% on groceries, gas, and online retail — no annual fee, no break-even math. Best for: Everyday spenders who want meaningful cash back across three core categories without paying an annual fee.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The card earns 3% cash back at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases. Each category is capped at $6,000 per year in purchases — 1% applies after the cap. All other purchases earn 1%. Walmart, Target, Costco, and warehouse clubs are not classified as U.S. supermarkets by American Express. Verify current merchant category definitions at americanexpress.com before applying.
Yes — the card offers 0% introductory APR for 15 months from the date of account opening on purchases and on balance transfers made within 60 days of account opening. After the intro period, a variable APR of 19.49%–28.49% applies. A balance transfer fee (the greater of $5 or 3% of the transfer amount) applies. Verify current terms at americanexpress.com.
The Blue Cash Everyday earns 3% at U.S. supermarkets with no annual fee. The Blue Cash Preferred earns 6% at U.S. supermarkets (up to $6,000/yr) with a $95 annual fee from year two ($0 in year one). The break-even: the Preferred's extra 3% on grocery spend covers its $95 annual fee at approximately $1,583/year (~$132/month) in supermarket purchases. Below that threshold, the Everyday returns more. Both cards have the same $6,000/year cap on the grocery category.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the American Express Blue Cash Everyday® Card. The card is issued and operated by American Express National Bank. APRs, rewards rates, fees, and terms are determined solely by American Express and may change — verify current terms at americanexpress.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
See all picks, methodology, and side-by-side comparison in Best Cash-Back Credit Cards 2026.
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