Since last summer, credit card offers have been a bit of a mixed bag. While rewards programs and sign-up bonuses have been increasing, the issuers have also been increasing fees and interest rates. If you use a credit card, always make sure to pay your balance off in full every month, keep your spending within your credit limit, and choose a credit card with the rewards program that best matches your spending patterns.
American Express is offering the Blue Cash Everyday® Card from American Express that could be a contender for a credit card to consider, if you qualify.
The Blue Cash Everyday® Card includes a very decent rewards program — earn $100 back after you spend $1,000 in purchases on your new card in your first three months. (You will receive cash back in the form of Reward Dollars that can be redeemed as statement credits.)
It’s simple and straightforward: With the Blue Cash Everyday® Card, there are no rotating reward categories and no enrollment is required. Terms and limitations apply, but cardholders earn cash back in the following amounts only for eligible purchases:
- 3% cash back at U.S. supermarkets, on up to $6,000 per year in purchases
- 2% cash back at U.S. gas stations
- 2% cash back at select U.S. department stores
- 1% cash back on other purchases
Because the top cash back rate is now 3%, the possibility of getting the top cash back rate on more of your spending helps makes for a powerful difference.
The Blue Cash Everyday® Card from American Express offers a 0% introductory APR on purchases and balance transfers for 12 months. Once the introductory rate has expired, your APR will be a variable rate — currently the standard purchase APR is 13.24% to 23.24% depending on your creditworthiness and other factors. Terms and conditions apply. Compared with other rewards credit cards, that APR is at par. Even so, if you do decide to sign up for this card, make sure to avoid paying interest by paying your bill in full every month. If you don’t, no rewards card would be worthwhile.
The Blue Cash Everyday® Card from American Express has no annual fee.
American Express has seen the rewards program improvements with Chase and Capital One and is moving to be more competitive, so this card is worth taking a closer look. You must have excellent credit to be approved. Visit the application page for the Blue Cash Everyday Card from American Express for more information or to apply.
Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.
Updated June 16, 2016 and originally published April 29, 2011.
{ 6 comments… read them below or add one }
I make a good amount annually just by using my blue cash card. It’s been my favorite cash back card so far.
I don’t know about anyone else, but I’m getting rewards card fatigue. Tired of wading through all the fine print….I think I’ll stick with my Chase card with 3% on everyday purchases. Unless they add in an annual fee, then I’ll give it up as a protest.
Which card is this?
this is more of a general question but with gas and food prices increasing in this country, does anyone think that credit card companies will increase the percentage of cash back for food & gas? I think that they will but those “rewards” will be paid for by the customer in more fees.
to be honest wylerassociate, i do not think that the credit card companies will increase the percentage. of course, i could very easily be wrong, but i doubt very much any percentage will go any higher than 5%. at least for some time to come.
I am happy with my card. They even thank me for being a responsible card holder. And the cash back doesn’t hurt either.