If you’re on the hunt for a cashback credit card that rewards you for the way you actually spend — groceries, gas, and online shopping — then the Blue Cash Everyday® Card from American Express is a card worth considering. As someone who just got this card recently, I can confidently say that it’s tailor-made for people like me (and maybe you too) — those who do a lot of shopping online, fill up the tank often, and spend quite a bit on groceries every month.
In fact, I picked up this card to cover exactly that trio of expenses — and it delivers. 3% cashback on U.S. supermarkets, U.S. online retail purchases, and U.S. gas stations — all with no annual fee. That’s a serious win in today’s crowded credit card market, where most high-earning rewards cards demand annual fees that are getting harder to justify.
To put things into perspective, I already have the Hilton Honors American Express Surpass® Card, which used to be one of my go-to travel cards. But after the recent changes — namely, the annual fee jump to $150 and the removal of the Priority Pass airport lounge benefit — I seriously thought about canceling it. I mean, why pay more when you’re getting less?
However, I recently wrapped up a 10-day trip to Florida, and I’ve got to admit — the Hilton Gold Status (which comes with the Surpass card) made a real difference. Daily free breakfast, food and beverage credits, late checkout, and even perks for my travel companion — all added up to a truly upgraded hotel experience. So while the Surpass card still earns its keep for travel lovers like me, I realized I needed a second card focused more on day-to-day savings, not travel perks.
That’s where the Blue Cash Everyday® Card shines.
With no annual fee and cashback categories that match how most of us actually live and spend, it’s not just a good card — it’s a no-brainer. Especially if you’re not looking to pay for premium cards but still want solid rewards for your routine purchases.
Key Features and Cashback Categories
Let’s break down what you actually earn with the Blue Cash Everyday Card:
- 3% Cash Back on:
- U.S. supermarkets (on up to $6,000 per year, then 1%)
- U.S. online retail purchases (on up to $6,000 per year, then 1%)
- U.S. gas stations (on up to $6,000 per year, then 1%)
- 1% Cash Back on all other purchases
- No annual fee
- Intro APR: 0% for 15 months on purchases and balance transfers, then a variable APR applies
These categories alone cover the essentials of everyday life. If you do most of your grocery shopping at U.S. supermarkets like Kroger, Safeway, or Publix, and frequently shop online (Amazon, Walmart.com, Target.com), this card is ideal. It also helps offset rising gas prices with that 3% return on U.S. gas station purchases.
Who Is This Card Best For?
This card is perfect for:
- Families or individuals with regular grocery and gas expenses
- Online shoppers looking for rewards from everyday retail purchases
- Budget-conscious cardholders who want to avoid annual fees
- People who want a low-maintenance cashback card without rotating categories or spending trackers
Whether you’re a college student, busy parent, or anyone managing routine household expenses, this card makes sense.
Real-Life Benefits I’ve Noticed
Since I started using the Blue Cash Everyday Card, I’ve noticed the savings add up quickly. Just by putting my weekly groceries and online purchases on the card, I earn a steady stream of cashback. It’s not flashy, but it’s consistent — and that’s what counts.
Here are a few real-world perks I’ve experienced:
- Cashback credited to my statement automatically
- No hoops to jump through to claim rewards
- No need to remember rotating categories or sign-ups
- Easy to track everything via the Amex mobile app
Pros and Cons
Pros:
- No annual fee
- Strong cashback categories that fit everyday life
- Great mobile app and customer service from Amex
- 0% intro APR on purchases and balance transfers
Cons:
- 3% cashback limited to $6,000 per category annually
- U.S.-only rewards categories (not ideal for international users)
- No premium perks like travel insurance or lounge access
How It Compares to Other Cards
Vs. Blue Cash Preferred® Card: The Blue Cash Preferred offers 6% on groceries and 3% on transit but charges a $95 annual fee. If your grocery bill is huge and you spend a lot on streaming and transit, it might be worth the fee. Otherwise, the Everyday version is better for moderate spenders.
Vs. Citi Custom Cash™ Card: The Citi Custom Cash automatically gives you 5% back on your highest spend category (up to $500/month). It’s a flexible option, but capped monthly. Blue Cash Everyday might work better for consistent categories like groceries and gas.
Vs. Chase Freedom Unlimited®: Freedom Unlimited offers 1.5% on everything and bonus categories. It’s better for flat-rate spenders, while Blue Cash Everyday works best for focused category spenders.
Final Verdict: Is the Blue Cash Everyday Card Worth It?
Absolutely. If your spending revolves around groceries, online shopping, and gas, and you want to avoid paying annual fees, the Blue Cash Everyday® Card is an outstanding option. It offers value from day one and is incredibly easy to use without the micromanagement that some rewards cards require.
Whether you’re just getting started with credit cards or looking to add a solid cashback option to your wallet, this card delivers where it counts.
No annual fee, real-world rewards, and simplicity that fits everyday life. What more can you ask for?
