American Express · American Express

Blue Cash Everyday® Card from American Express

Credit Standard $200 Bonus 0% Intro APR · 15 mo No Foreign Fees

$0 Annual Fee

19.24%–29.24% Variable Purchase APR

$200 Welcome Bonus

670+ Recommended FICO

Cash Back Reward Type

Welcome Bonus

$200

Welcome Bonus Value

Spend $2,000 in the first 180 days

Bonus Posted Statement credits typically post to your account within 8-12 weeks after you meet the spending requirement, but often appear sooner.

Rewards

Reward Type Cash Back

Base Rate 0.01x / 0.01%

Bonus Rate Up to 0.03x

Point Value ~0.01¢ each

Travel Portal 1x

Annual Cap $6,000

Expiration Cash back does not expire as long as your account is active.

Transfer Partners N/A (Cash back cannot be transferred to partners)

Redemption Notes None

Category	Rate	Type	Cap
U.S. Online Retail Purchases Earn 3% Cash Back on U.S. online retail purchases.	3x	Cash Back	$6,000/yr
U.S. Gas Stations Earn 3% Cash Back at U.S. gas stations.	3x	Cash Back	$6,000/yr
U.S. Supermarkets Earn 3% Cash Back at U.S. supermarkets.	3x	Cash Back	$6,000/yr
Other Eligible Purchases Earn 1% Cash Back on other eligible purchases.	1x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Purchase Protection

Extended Warranty

Benefit	Category	Value / Coverage
Cash Back on Other Eligible Purchases Earn 1% cash back on other eligible purchases.	Cash Back Rewards	1% cash back
Cash Back on U.S. Gas Stations Earn 3% cash back on purchases at U.S. gas stations (on up to $6,000 spent annually, then 1%).	Cash Back Rewards	3% cash back (up to $6,000 spent annually) Up to $6,000
Cash Back on U.S. Online Retail Purchases Earn 3% cash back on purchases at U.S. online retail purchases (on up to $6,000 spent annually, then 1%).	Cash Back Rewards	3% cash back (up to $6,000 spent annually) Up to $6,000
Cash Back on U.S. Supermarkets Earn 3% cash back on purchases at U.S. supermarkets (on up to $6,000 spent annually, then 1%).	Cash Back Rewards	3% cash back (up to $6,000 spent annually) Up to $6,000
Global Assist Hotline For coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.	Customer Service	24/7 travel assistance
American Express Experiences Access to presale tickets and exclusive events.	Entertainment & Experiences	Access to presale tickets and exclusive events
Extended Warranty When you use your Card for eligible purchases, Extended Warranty can provide up to one additional year to the original manufacturer's warranty. Applies to warranties of 5 years or less. Coverage is limited to the actual amount charged to your Card for the item up to $10,000 per item, with a maximum of $50,000 per Card Member account per calendar year.	Extended Warranty	Up to 1 additional year, $10,000 per item, $50,000 annually Up to $10,000
No Annual Fee There is no annual fee for this card.	Financial Management	No annual fee Up to $0
Pay It Plan It® Pay It® allows you to make small purchases, under $100, and pay them right away. Plan It® allows you to split up purchases of $100 or more into monthly installments with a fixed fee.	Financial Management	Flexible payment options
Send & Split® Send money to any Venmo or PayPal user from the Amex App and split purchases with other Amex Card Members, with no Amex fees.	Financial Management	Send and split money with no Amex fees
Purchase Protection Purchase Protection can help protect eligible purchases made on your Card against accidental damage or theft for up to 90 days from the date of purchase. Coverage is limited to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.	Purchase Protection	Up to $1,000 per occurrence, $50,000 annually Up to $1,000
Fraud Protection American Express helps protect you from fraud. If you're a victim of fraud, you are not held responsible for fraudulent charges.	Security & Fraud	No liability for fraudulent charges
Amex Offers Get discounts and earn extra rewards on shopping, dining, travel, and more with Amex Offers.	Shopping Benefits	Discounts and extra rewards
ShopRunner Membership Enroll to get free 2-day shipping on eligible items and free returns at over 100 online stores.	Shopping Benefits	Free 2-day shipping and returns
Car Rental Loss and Damage Insurance Car Rental Loss and Damage Insurance can provide coverage for damage to or theft of a rental vehicle when you use your eligible Card to reserve and pay for the entire rental and decline the optional collision damage waiver (CDW) offered by the rental company. This is not a primary insurance policy.	Travel Protection	Secondary coverage for rental car damage/theft
Welcome Offer Statement Credit Earn a $200 statement credit after you spend $2,000 in purchases on your new Card in the first 6 months.	Welcome Offer	$200 statement credit Up to $200

Interest Rates

Intro Purchase APR for 15 months

Purchase APR 19.24%–29.24% Variable

Cash Advance APR 29.99%

Penalty APR 0.3%

Min. Interest Charge $2

Fees

Annual Fee $0 — No Annual Fee

Authorized User Fee Free

Foreign Transaction Fee None

Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment Fee Up to $40

Returned Payment Fee Up to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–740

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Moderate

Credit Profile Good

Approval Odds Good

Decision Time Instant

Pre-Qualification Available (no hard pull)

Student Eligible Yes

Co-Applicant Not allowed

Business Eligible No

Credit Limit Range $1,000 – $25,000

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across Amex products, gaming welcome bonuses (e.g., applying for the same card too frequently, closing and reopening for bonuses), excessive returns, unusual spending patterns inconsistent with declared income, not using the card for organic spend, defaulting on other Amex products, or engaging in activities deemed abusive of the card's terms and conditions.

Cliff Effect Rules

The primary 'cliff effect' for American Express is the 'one welcome bonus per card per lifetime' rule, which prevents earning a bonus on the Blue Cash Everyday card if you have ever received a bonus for this specific product before. While there isn't a direct 'cliff' preventing a bonus on Blue Cash Preferred if you've had Everyday (or vice-versa, unless specific offer terms state otherwise), the lifetime rule is strictly enforced per unique product.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Applicants for the Blue Cash Everyday card must be 18 years or older, a US resident with a valid SSN or ITIN, and possess a good to excellent credit history. American Express strictly enforces a 'one welcome bonus per card per lifetime' rule, meaning you are eligible for the welcome offer for the Blue Cash Everyday card only once. Application velocity rules include a maximum of 2 credit card approvals within a 90-day period, and generally, no more than 1 credit card approval within a 5-day period. Amex may also consider overall credit exposure and recent application history across all Amex products.

American Express

Annual Fee

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Welcome Bonus $200

APR 19.24%–29.24% Variable

Quick Summary

Annual Fee Free

Rewards Cash Back

Welcome Bonus $200

Intro APR 0% · 15 mo

Foreign Fees None

Min. FICO 670+

Network American Express

Card Type Credit

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