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Card Basics

 

Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
AMEX Excellent Credit Consumer $0 0.00% for 12 Months on Purchases 12.99% - 21.99% Variable Cash Back See Terms

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Blue Cash Everyday Card from American Express

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Blue Cash Everyday® Card from American Express

Quick Summary:
This is a cash back rewards card issued by American Express. This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 12.99%* and may be as high as 21.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a purchase introductory APR of 0.00% for 12 Months*. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.

There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 720 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:

American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Approval Rate:
There were 22 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 59% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 720, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.

Offer Details:

  • Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
  • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
  • No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
  • Terms and Restrictions 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.

* Please see the credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty.
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.

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Consumer Card Rate Comparison

APR12.99% - 21.99% Variable
Avg. APR15.66%**
Annual Fee$0*
Avg. Annual Fee$43.53**

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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