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Amex Blue Cash Everyday Review: $200 Welcome Bonus with No Annual Fee

With a $200 welcome offer and 3% cash back at U.S. supermarkets — this "no annual fee" card is a must.

Advertiser Disclosure: Most products in our articles are from partners who may provide us with compensation. However, opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain.

The Blue Cash Everyday® Card from American Express is a cash back rewards card that offers a good balance of rewards and costs. It’s notable for a 3% top cash back rewards rate on bonus categories and no annual fee.

If you’re looking for a simple card to get cash back and earn a bonus on the popular groceries and gas categories, this card could fit your spending needs. Read more about the Amex Blue Cash Everyday card to decide if it deserves a coveted spot in your wallet.

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Welcome Bonus: $200
Intro APR: 0% intro APR on purchases for the first 15 months
APR: Variable APR
Rewards Rate: 1%-3% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: Enjoy introductory 0% APR on new purchases for the first 15 months from the date of account opening, then a variable rate applies.

APR: The card charges a variable APR on balances, depending on your credit worthiness.

Rewards Rate: This card earns 3% cash back per dollar spent at U.S. supermarkets, up to $6,000 each calendar year (then 1%) and 2% back on gas from U.S. gas stations. All other eligible purchases earn 1% back.

Welcome Bonus: New cardholders can earn $200 after spending $2,000 with the card during their first six months of card membership.

Who Should Use This Credit Card? Households who frequently purchase groceries and gasoline, but not in quantities high enough to justify paying an annual fee.

Why We Like It

Why We Like the American Express Blue Cash Everyday® Card

The Blue Cash Everyday Card from American Express offers good value among cash back rewards card competitors with no annual fee. Between its competitive grocery rewards rate and $200 welcome bonus offer, it’s easy to extract a lot of value from this card.

Cardholders earn cash back rewards of up to 3% on every purchase, with bonuses for eligible grocery store and gas station purchases in the U.S. and 1% on standard purchases everywhere else.

If you want to earn cash back on everyday purchases but don’t feel like your household budget is high enough to justify a more premium card with an annual fee, this card might be a good choice.

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American Express Blue Cash Everyday Credit Card Review

The Blue Cash Everyday card is a cash back credit card with no annual fee. The card features cash back rewards of up to 3% on every purchase, with bonuses for eligible grocery store and gas station purchases in the U.S. and 1% on standard purchases everywhere else.

While the card charges fees for less common activities like cash advances, most users can take advantage of all card rewards and benefits without paying any costs or fees as long as they pay off their balance in full every month by the statement due date. As with any rewards card, savvy users get paid by their credit card, not the other way around. That is certainly the case here, as long as you avoid interest and fees.

There are credit cards from American Express and other providers with higher cash back rates and bonuses, but some charge an annual fee, feature rotating bonus categories or enforce low limits on your earnings. This card offers good value among cash back rewards card competitors with no annual fee.

$200 Blue Cash Everyday Introductory Bonus

After you’re approved for a new account, you should start using the card right away to ensure you earn the welcome bonus, worth an extra $200 in cash back. To earn this bonus, you have to spend at least $2,000 on purchases using the card over the first six months.

For reference, that’s an average of about $333 per month. Some households spend enough on gas and groceries to easily cover that amount without any extra spending outside of your usual habits.

At the same time you’re earning credit for the bonus, you also earn regular cash back rewards. If you spend the first $2,000 only on groceries, where you get the top 3% rewards rate, you earn an effective 13% cash back on your first $2,000 in purchases. That’s huge!

Do New Credit Cards Hurt My Credit Score?

Applying for a new credit card and opening a new account typically have a small negative impact on your credit, but that’s only temporary. After you’ve had the card for some time, the card should help your credit score if you keep the balance low and always pay it off in-full and on-time.

0% APR Intro Period for Purchases

New users get a 0% APR period on purchases made in the first 15 months after opening a new account. If you’re doing a big project around the house or have any other big purchase coming up, you can use the card to buy interest-free for more than one year.

This card’s 15-month zero percent period is one of the better offers around, as many similar offers give you less than a year interest-free. With 15-months to pay off the purchase before interest kicks in, Blue Cash Everyday card could make sense for a significant home upgrade like a TV or furniture.

You may even be able to talk a car dealership into letting you buy a vehicle with the card, giving you more than a year to pay it off interest-free without getting a separate car loan.

With zero period APR intro periods, it’s essential to pay off the entire balance before the end of the 15 months. Otherwise, you’ll have to pay the card’s regular interest rate, which may wipe away the benefits of your cash back rewards.

couple loading groceries into trunk
Credit: iStock

Regular Cash Back Rewards from the Blue Cash Everyday Card

This credit card shouldn’t go to the back of the drawer after you earn the bonus. It offers competitive rewards for everyday purchases, hence the “Everyday” name.

These are the primary rewards categories and rates for the Blue Cash Everyday credit card:

3% back at U.S. grocery stores up to $6,000 per year: After reaching $6,000, you’ll earn the standard 1% back. If you get the full $6,000 annual limit, you will earn $180 per year in reward from grocery purchases.
2% back on purchases at U.S. gas stations: There’s no limit to what you can earn in this category.
1% everywhere else: You’ll get a standard 1% back on all other purchases.

There are some cash back cards with a higher “everything else” rewards rate that may be worth considering as well. 1% back is somewhat standard as a base cash back rate among cash back cards with no annual fee, but some offer a little more here, often without the bonuses for gas and groceries.

The official card terms and conditions also list a 2% rewards rate at select U.S. department stores, but that’s not advertised on the main Amex website for the card, so there’s a chance that the benefit could be changing in the future.

Blue Cash Everyday Card Rewards

Let’s say you want to estimate your cash back rewards. Plug your numbers into this example to get an idea of what you could earn. Check your budget or past credit card statements to see a breakdown of your spending.

For this example, assume you spend $400 per month on groceries, $150 per month on gas and $1,200 on other purchases. Here’s how much you would earn per year:

  • Groceries: $144 cash back
  • Gas: $36 cash back
  • Everything else: $144 cash back
  • Total: $324

While it likely won’t make or break your financial situation, who wouldn’t want an extra $300 per year? If you primarily use a debit card with no rewards, moving to a cash back credit card offers several benefits, including getting paid for those regular trips to the store or your favorite online shopping website.

The rewards you earn from a cash back card typically only make sense when you can keep your balance under control and pay off the card in full monthly. If you know your spending habits would lead to credit card debt you can’t afford to pay off, it may be best to stick with that debit card. Otherwise, cash back rewards credit cards are a great way to boost your bank account.

Tip: If you’re into earning the most cash back, consider the American Express Blue Cash Preferred® Card. This card requires an annual fee and comes with higher rewards rates.

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Welcome Bonus: $350
Intro APR: 0% intro APR on purchases for the first 12 months
APR: Variable APR
Rewards Rate: 1%-6% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

Intro APR: Enjoy introductory 0% APR on new purchases for the first 12 months from the date of account opening, then a variable rate applies.

APR: The card charges a variable APR on balances, depending on your credit worthiness.

Rewards Rate: This card earns 6% cash back per dollar spent at U.S. supermarkets, up to $6,000 each calendar year (then 1%) and 6% back on select U.S. streaming services. You’ll also earn 3% back on gas from U.S. gas stations and transit expenses, including taxis, rideshare, parking, tolls, buses and more. All other eligible purchases earn 1% back.

Welcome Bonus: New cardholders can earn $350 after spending $3,000 with the card during their first six months of card membership.

Who Should Use This Credit Card? Households who spend enough each year on groceries and gasoline to justify the expense of an annual fee.

Why We Like It

Why We Like the American Express Blue Cash Preferred® Card
It’s rare for a cash-back credit card to charge an annual fee, but it’s even more unexpected to earn a whopping 6% cash back at U.S. supermarkets and with select streaming services. Big families will undoubtedly offset the cost of the annual fee without having to stride outside their normal spending habits.

Many large households will naturally spend $6,000 annually at supermarkets, and with 6% cash back — the card returns $360 of your budgeted grocery bill. That’s nearly four times the annual fee.

This credit card may also be ideal for families who spend a lot of time commuting around the city and who also have multiple U.S. streaming subscriptions, too. The Blue Cash Preferred Card is definitely designed to help busy households maximize their cash-back earnings.

Redeeming Rewards

Cash back rewards are redeemed in the form of a statement credit. That means your cash back rewards lower your credit card balance, so you don’t owe as much in the future. A dollar is a dollar, so a statement credit is a reasonable and good way to redeem rewards. Cash back doesn’t count toward your minimum payment due.

You’ll need to save up at least $25 in cash back rewards to redeem. Once you hit that level, you can open the Amex mobile app or head to AmericanExpress.com to log in and redeem. You can save up to redeem more at once, or redeem every time you hit the $25 threshold. Rewards don’t expire as long as you keep the account open and in good standing.

If you expected to see a bonus in your balance and only earned the 1% rate, check the seller category. Every merchant has a spending category assigned and not all places that sell groceries count as grocery stores, for example. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets for bonus purposes. Similarly, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations.

Cash Back vs. Travel Rewards: Which is More Valuable?

If you’re deciding between cash back rewards and travel rewards, consider the value of what you get in return for purchases. One cent of cash back is always worth one cent. Travel enthusiasts often redeem rewards points for more than one cent of value.

woman driving rental car
Credit: iStock

Amex Blue Cash Everyday Card Benefits and Perks

No annual fee credit cards typically don’t have the same insurance and protections you get from cards with an annual fee requirement. The Amex Blue Cash Everyday has a few nice additions, but the benefits are not extremely compelling.

  • Car Rental Loss and Damage Insurance: When you pay for your car rental entirely with the card, you can waive the rental company’s expensive daily insurance coverage and trust American Express to have your back. This coverage insures the car but adds no additional liability coverage, so you should still drive carefully.
  • 24/7 Global Assist® Hotline: When traveling at least 100 miles from home, you can call for help with basic emergencies, like a quick card replacement or referral to medical care. The hotline is free, but you have to pay for any costs charged by third parties.
  • American Express Experiences: Access ticket presales and exclusive American Express member events through the American Express website. (I used this benefit to score great tickets to a Rolling Stones concert a few years ago.)

These are great benefits, notably the rental car insurance coverage. However, there are a couple of missing purchase coverage options this card is missing. These include purchase protection, extended warranty protection, price protection, return protection and cell phone protection coverage. If those protections were added, this card would be more compelling.

Costs and Fees

As we’ve mentioned a few times, you can use this card entirely for free. Here’s a rundown of the fee schedule, so you know what to look out for:

  • Cash advances: 5% fee ($10 minimum) for cash advance transactions. Because of the added fee and higher interest rate for cash advances, it’s best to avoid them. Also, be aware that some gift card purchases or cryptocurrency account deposits may count as cash advances, so be careful when using the card to buy cash equivalents.
  • Foreign transactions: If you travel outside of the United States regularly, this card may not be the best fit, as there’s a 2.7% foreign transaction fee added to each purchase not made in the United States in US dollars. This fee is on par with other cards requiring a foreign transaction fee. Many travel rewards cards come with no foreign transaction fee.
  • Late payments: Never pay your bill late, as it impacts your credit score and could put you into default. Plus, you’ll owe a $40 fee. It’s best to always pay on time regardless to help your credit and keep costs low. Automatic payments help you avoid paying late if it’s an issue for you.
  • Returned payments: If your check or electronic payment is returned for insufficient funds, you’ll have to pay a $40 fee to Amex. Always make sure you have enough cash in the bank when you make a payment or your automatic payment goes through.

Interest rates vary based on your credit history and current market conditions. Rates are variable and can change at any time. Late or returned payments may trigger a higher default interest rate for at least six months. But again, to emphasize how important it is, if you pay off the card in full every month by the due date, you never have to pay any interest.

American Express Blue Cash Everyday Alternatives

If you’re not completely sold, consider these Blue Cash Everyday alternatives, all with no annual fee and cash back rewards:

Citi Custom Cash℠ Card

Offer Details
CITI Custom Cash card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 16.24% – 26.24% After Intro 0% APR Period
Rewards Rate: 5% Back in Top Eligible Spend Category
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Note that there is a balance transfer fee of $5 or 5% of the transfer, whichever is greater. Furthermore, balance transfers need to occur during the first four months of account opening.

Once the no-interest offer concludes, a variable APR between 16.24% – 26.24%, based on credit worthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 5% cash back on purchases in your top eligible spending category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Sign-Up Bonus: Earn $200 in cash back after you spend $750 on purchases in the first three months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Who Should Use This Credit Card? People who want flexibility in their spending rewards.

Why We Like It

Why We Like the Citi Custom Cash℠ Card

The Citi Custom Cash Card, from our partner Citi, has a novel approach to rewarding spending. The credit card offers an impressive 5% cash back on purchases made in your top eligible spending category each month, up to $500 spent per month — no activation required. After that, you’ll earn just 1% back on every purchase because that’s the base rewards rate.

The list of eligible bonus categories includes restaurants, gas stations, grocery stores, select travel and transit, select streaming services, drug stores, home improvement stores, fitness clubs and live entertainment.

Cardholders can redeem their ThankYou Points for cash back as a direct deposit, statement credit or check. Alternatively, they can redeem their points for gift cards, travel and online shopping via Amazon.com. The ThankYou rewards program also partners with a number of airlines, both domestic and international, and you can transfer your points to these frequent flyer programs.

More Details: The Citi Custom Cash Card, from our partner Citi, gives cardholders the chance to earn 5% cash back every month on their top eligible spending category, up to $500 each month — no activation required. This Citi card is technically billed as a cash-back credit card, but you’ll actually earn ThankYou Points, which can be worth more than traditional cash-back rewards.

Citi Custom Cash Card is offering $200 cash back after you spend $750 in the first three months — that’s 20,000 ThankYou Points, which you can redeem for cash back or for a number of other things, including gift cards and travel. Plus, new cardholders can enjoy an introductory 0% APR on balance transfers and purchases for 15 months. After that, the variable APR will be based on your creditworthiness. Read our full review of the Citi Custom Cash Card.


Chase Freedom Unlimited® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

More Details: The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


Citi® Double Cash Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 16.24% – 26.24% After Intro 0% APR Period
Rewards Rate: 2% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders enjoy 0% introductory APR on all balance transfers for the first 18 months of account opening and are charged an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first four months of account opening. After that, the fee will be 5% of each transfer (minimum $5). Once the no-interest offer concludes, a variable APR between 16.24% – 26.24%, based on creditworthiness, will apply to all balances.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers 2% cash back on all purchases: 1% when you make a purchase; 1% when you pay the card balance.

Sign-Up Bonus: Earn $200 in cash back when you spend $1,500 on purchases in the first 6 months of account opening. (Limited Time Offer)

Who Should Use This Credit Card? People who want simple, flat-rate cash back on all of their spending.

Why We Like It

Why We Like the Citi® Double Cash Card

The Citi® Double Cash Card, from our partner Citi, is among the top cards on the market for general spending. Forget the cards that offer 1% and 1.5% cash back. The Citi Double Cash Card offers you a whopping 2% cash back for all spending. Earn 1% back when you make a purchase and 1% back when you pay your account balance.

The credit card’s rewards rate makes it perfect for all of the odds and ends you buy from random stores and uncategorized vendors.

The Citi Double Cash Card, from our partner Citi, offers attractive and uncomplicated cash back for people who value a flexible credit card reward program. The Citi Double Cash Card gives you the chance to earn 2% cash back on your purchases. You can receive 1% cash back when you make a purchase and an additional 1% cash back once you pay your bill. 

For a limited time, the Citi Double Cash Card is offering a $200 cash bonus after spending $1,500 in the first 6 months of opening the account. This cash-back card also comes with a competitive 18-month, 0% APR introductory balance transfer offer for new cardholders. After which, you’ll pay a variable APR based on your creditworthiness on any unpaid balances. Read our full review of the Citi Double Cash Card.


Capital One SavorOne Cash Rewards Credit Card

Offer Details
capital one savorone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR Between 16.49% – 26.49% After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: An introductory 0% APR on new purchases for the first 15 months of account membership, variable APR after that. The Capital One SavorOne Cash Rewards Credit Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: Once the intro APR period has concluded, a variable APR between 16.49% – 26.49% applies based on creditworthiness.

Rewards Rate: The card offers unlimited 3% cash back per dollar spent on dining, entertainment, popular streaming services and grocery stores (excluding superstores like Walmart and Target). Additionally, earn 5% cash back per dollar on hotels and rental cars booked through Capital One Travel. It offers 1% back per dollar on all other purchases.

Sign-Up Bonus: New cardholders can earn a one-time $200 bonus after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? People who regularly spend on entertainment, dining and grocery stores, but do not want a credit card with an annual fee.

Why We Like It

Why We Like the Capital One SavorOne Cash Rewards Credit Card

Foodies and entertainment aficionados alike will find a lot of value with the Capital One SavorOne Cash Rewards Credit Card. After all, with no annual fee and a big $200 bonus to get started, there’s plenty to gain and little to lose by trying it out. When you carry a Capital One SavorOne Cash Rewards Credit Card, you’ll earn cash back rewards every time you swipe, dip, tap or click to checkout. As your cash back balance grows, your biggest question will be how to treat yourself when you cash out your rewards.

Plus, when you sign up as a new cardholder, you won’t pay any interest on purchases for the first 15 months. Once you reach that date, regular variable interest rates begin. Also, the card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

Having more than a year interest-free can be a very useful benefit when you’re looking to make a large purchase or undertake a big project at home.

The Capital One SavorOne Cash Rewards Credit Card is an absolute cash-back powerhouse. It awards 3% cash back for every dollar spent at restaurants, grocery stores, entertainment venues and eligible streaming services, including Netflix, Disney+ and Hulu. Additionally, it awards 5% cash back for every dollar spent on hotels and rental cars booked through Capital One Travel and 1% back on all other purchases. That’s a lot of value for a cash-back credit card with no annual fee.

New Capital One SavorOne Cash Rewards Credit Card users can earn a one-time $200 cash bonus after spending $500 on the credit card in the first three months of account opening. You also won’t pay any interest on purchases or balance transfers for the first 15 months. A 3% balance transfer fee applies. (A variable APR of 16.49% – 26.49% applies at the conclusion of this 15-month period). Read our full review of the Capital One Savor One Card.


Costco Anywhere Visa® Card by Citi

Offer Details

Secure application on issuer’s website.

Annual Fee: $0 (active Costco membership required)
Bonus: None
APR: Variable APR of 17.49%
Rewards Rate: 1%-4% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0 (active Costco membership required)

APR: Variable APR based on creditworthiness.

Rewards Rate: The Costco Anywhere Visa by Citi offers 4% cash back on eligible gas purchases up to $7,000 annually, then 1% beyond that cap. It also offers 3% cash back on restaurant spending and eligible travel purchases, 2% cash back for both in-store and online Costco spending and 1% on all other purchases.

Sign-Up Bonus: None

Who Should Use This Credit Card? Costco members

Why We Like It

Why We Like the Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa Card, from our partner Citi, is a must-have for all Costco members. Not only do cardholders earn 4% cash back on eligible gas purchases, but they also earn 3% cash back on restaurant and travel spending and 2% cash back on all other Costco in-store and online purchases.

Most people don’t think of Costco as a place to head for fine dining, though some people swear Costco pizza and hot dogs are among the best value meals around. With a generous rewards rate for dining, groceries, gas and Costco purchases, this card can add up to big savings.

The Costco Anywhere Visa® Card by Citi, one of our partners, is a credit card made exclusively for Costco members. It comes with 4% cash back on up to $7,000 in annual gas purchases (and then 1% after), 3% back on restaurant and travel purchases, 2% back at Costco and Costco.com and 1% on other purchases.

One unique feature of the Costco Anywhere Visa Card is how you get your cash back. While most credit cards give you a monthly credit or a credit when you hit a certain rewards level, the Costco Anywhere Visa Card offers an annual rewards credit for all of your cash back earned. Also, this co-branded Citi credit card doesn’t have an annual fee, but you will need to be an active Costco member to enjoy its benefits.

Is the Blue Cash Everyday Worth It?

For fans of cash back with no annual fee, the Blue Cash Everyday Card from American Express could be a good fit. The opportunity to earn 3% back on groceries and 2% back on gas – plus the $200 welcome bonus for new users – is a great way to earn cash back where you may already spend most.

While groceries and gas fit nicely into many peoples’ budgets, it’s still best to consider a few similar cards before deciding on the Blue Cash Everyday card. After all, one of its competitors’ bonus categories might align better with your spending habits.

If you’re looking to maximize your rewards, you may even want to combine two or more cards to get the best bonus rates possible. But if you prefer to keep it simple with an easy-to-use cash back card from a reputable credit card company, the Blue Cash Everyday card might be a good choice.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Eric Rosenberg
Eric Rosenberg
Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in depth experience writing about banking, credit cards, investing, business, and other financial topics. When away from the keyboard, Eric enjoys exploring the world and spending time with his wife and little girls. You can connect with him at Personal Profitability or EricRosenberg.com.