A solid no-fee cash back card that pays 3% on US supermarkets, US online shopping and US gas.
Кому подойдёт
This card suits you if you want cash back on the basics without paying an annual fee. You earn 3% at US supermarkets, on US online retail purchases and at US gas stations, each up to $6,000 a year, and 1% on everything else. Online shopping is a category many cards skip, so this one stands out if you order a lot of things online.
Кому лучше не брать
Skip it if you spend a lot on groceries, because the Blue Cash Preferred pays 6% at US supermarkets and may come out ahead even after its $95 fee. Skip it if you want a high rate on everything, since a flat 2% card beats 1% on non-bonus purchases. And as with any card, if you carry a balance, interest will outweigh the rewards.
Как получить максимум
Use it for groceries, gas and online orders, which is where the 3% rate applies. Pair it with a flat 2% card for everything else. Watch the yearly caps if you spend heavily in one category. Pay the full balance each month and set up autopay so you never pay a late fee. If your grocery bill grows, check whether moving to the Blue Cash Preferred makes sense.
Плюсы
- No annual fee
- 3% at US supermarkets, US online retail and US gas
- Rare bonus category for online shopping
- Simple cash back
- 0% intro APR for up to 18 months on purchases and balance transfers (it can be as short as 6 months)
Минусы
- Each 3% category is capped at $6,000 a year
- Only 1% on everything else
- Foreign transaction fees make it a poor travel card
Частые вопросы
Is the Blue Cash Everyday a good first credit card?
It can be if your credit is in good shape. It has no annual fee and simple cash back. If you're just starting out, a student or starter card may be easier to get.
Does the Blue Cash Everyday earn 3% on Amazon?
US online retail purchases earn 3%, and Amazon generally counts as a US online retailer. Check American Express's terms for the current rules.
Blue Cash Everyday or Citi Double Cash?
If most of your spending is groceries, gas and online shopping, the Blue Cash Everyday earns more. If your spending is spread out, the Double Cash's flat 2% is simpler.
Does the Blue Cash Everyday have an annual fee?
No.
Эмитенты карт или партнёры могут платить нам, когда вы переходите по ссылке, подаёте заявку или получаете одобрение. Эти выплаты никогда не влияют на наши обзоры, ваши шансы на одобрение или порядок карт. Как lemonope зарабатывает
American Express
American Express
