American Express · Cash back · Amex
American Express Blue Cash Everyday: what it's really worth
The American Express Blue Cash Everyday has a no annual fee. For a typical household spending $2,070 a month, it's worth about $604 in year one and $404 each year after.
Annual fee$0
Sign-up bonus$200$200 after $2,000 in 6 mo
Net value · year 1$604
Net value · each year after$404
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 1% | 1.0¢ | $36 |
| Groceries | 3% | 3.0¢ | $180 |
| Hotels | 1% | 1.0¢ | $10 |
| Flights | 1% | 1.0¢ | $12 |
| Gas | 3% | 3.0¢ | $54 |
| Streaming | 1% | 1.0¢ | $5 |
| Everything else | 1% | 1.0¢ | $108 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 3% at U.S. supermarkets, U.S. gas stations and U.S. online retail, each on up to $6,000 a year, then 1%.
Credits and perks
- Purchase protection
- Foreign transaction fee: 2.7%
Who it's for
- Grocery and gas rewards with no annual fee
- 0% intro APR for 15 months
- Not ideal: Families spending $500+/month on groceries — Blue Cash Preferred earns more
Can I get it?
- Recommended credit: Good
- American Express rules: Welcome offers are generally once per lifetime per card. Amex usually tells you before approval if you won't get the bonus.
- Amex: Not accepted everywhere: less common abroad and at some small businesses. Not accepted at Costco warehouses.
Check the current offer at American Express
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Updated Oct 30, 2026.