Status: checked against official sources; automated independent review
New to Amex Blue Cash Everyday Card? Start here: cards and transfers
PROGRAMME PROFILE
Amex Blue Cash Everyday® Card: cash back profile
Blue Cash Everyday® Card is a U.S. consumer cash-back credit card from American Express with no annual fee, offering 3% cash back in three everyday spending categories and 1% on other eligible purchases. [1] Each 3% category applies to the first $6,000 in eligible purchases per year, after which purchases in that category earn 1%. [1]
Facts checked: 18 October 2026
Key takeaways
- The card has no annual fee. [1]
- It earns 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases, each on up to $6,000 in eligible purchases per year, then 1%; other eligible purchases earn 1%. [1]
- Cash back arrives as Reward Dollars and can be redeemed as a statement credit, or used at Amazon.com checkout at the same value. [1]
- Transactions converted to U.S. dollars incur a 2.7% foreign transaction fee. [1]
- Benefits include an $84 Disney Streaming Credit paid as up to $7 a month, purchase protection and secondary car rental coverage, all subject to conditions. [1]
How do you earn cash back with the Blue Cash Everyday Card?
American Express publishes three higher-rate categories for this card, each with an annual cap on eligible purchases. As of 18 October 2026, the rates are as follows. [1]
| Category | Rate | Annual cap on the higher rate |
|---|---|---|
| U.S. supermarkets | 3%, then 1% | $6,000 in eligible purchases per year |
| U.S. online retail purchases | 3%, then 1% | $6,000 in eligible purchases per year |
| U.S. gas stations | 3%, then 1% | $6,000 in eligible purchases per year |
| Other eligible purchases | 1% | No cap stated |
The $6,000 limit applies to each of the three categories separately rather than as one shared cap, and purchases above the limit in a category earn 1%. [1] Purchases that fall outside those three U.S. categories earn 1%. [1]
Cash back is received in the form of Reward Dollars, which can be redeemed as a statement credit. [1] Reward Dollars can also be applied at Amazon.com checkout, where American Express says they have the same value as a statement credit redemption. [1]
What benefits and statement credits does the card include?
The $84 Disney Streaming Credit provides up to a $7 monthly statement credit when an enrolled card is used for a subscription, including a bundle subscription, at DisneyPlus.com, Hulu.com or Stream.ESPN.com U.S. websites. [1] There is no minimum purchase requirement, and the subscription is subject to auto-renewal. [1]
Cardholders can add Amex Offers to the card to earn extra rewards on qualifying purchases at select brands. [1] Send & Split, powered by Venmo and PayPal, lets cardholders send money and split purchases, and requires enrollment. [1]
Purchase Protection covers a covered purchase for up to 90 days from the purchase date if it is stolen or accidentally damaged, up to $1,000 per covered purchase and up to $50,000 per card member account per calendar year. [1] Car Rental Loss and Damage Insurance is secondary coverage, excludes liability coverage, and is not available for vehicles rented in Australia, Italy and New Zealand. [1] The Global Assist Hotline provides emergency assistance and coordination when a cardholder travels more than 100 miles from home, with third-party service costs charged to the cardholder. [1]
How is Blue Cash Everyday cash back different from Membership Rewards points?
American Express describes the Blue Cash Everyday® Card’s rewards as cash back, received as Reward Dollars that can be redeemed as a statement credit or used at Amazon.com checkout. [1] Membership Rewards is a separate American Express rewards programme whose terms cover a points balance that may be transferred to participating airline and hotel loyalty programmes. [4]
To transfer Membership Rewards points, the rewards account must first be linked to the partner loyalty programme account, and the partner account must be in the cardholder’s name or the name of an additional card member. [4] An additional card must have been issued at least 90 days before that additional card member’s partner account is linked. [4] In most cases transfers must be at least 1,000 points and in multiples of 1,000 points. [4] Transfers are final and cannot be reversed, and transferred points cannot be converted back into Membership Rewards points. [4]
American Express charges an excise tax offset fee for points transferred to a U.S. airline frequent flyer programme. [4] Transfer processing typically takes 48 hours, although partner programmes may delay posting points. [4] The name on the card and the name on the partner loyalty account must match for the accounts to be linked and the transfer to succeed. [5]
Exceptions and limits
- The 3% rates apply only to eligible purchases at U.S. supermarkets, U.S. gas stations and U.S. online retailers, and each category reverts to 1% after $6,000 in purchases for the year. [1]
- Purchases outside the three U.S. categories earn 1%; separately, a 2.7% foreign transaction fee applies to each transaction after conversion to U.S. dollars. [1]
- The Disney Streaming Credit and Send & Split require enrollment, and the Disney subscription is subject to auto-renewal. [1]
- Car rental coverage is secondary, does not include liability coverage, and is unavailable for rentals in Australia, Italy and New Zealand. [1]
- Purchase Protection is capped at $1,000 per covered purchase and $50,000 per card member account per calendar year. [1]
- The Global Assist Hotline is a coordination service; cardholders pay the costs charged by third-party service providers. [1]
- A balance transfer can be requested within the first 60 days of account opening, and fees apply. [1]
Frequently asked questions
Does the Blue Cash Everyday Card have an annual fee?
No. American Express lists the card with no annual fee. [1]
What are the 3% categories and their caps?
The card earns 3% at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases, each on up to $6,000 in eligible purchases per year, then 1%. [1] Other eligible purchases earn 1%. [1]
What foreign transaction fee does the card charge?
A 2.7% foreign transaction fee applies to each transaction after conversion to U.S. dollars. [1]
How do I redeem cash back?
Cash back is paid as Reward Dollars and can be redeemed as a statement credit, or used at Amazon.com checkout at the same value. [1]
Is the Disney Streaming Credit automatic?
No. The card must be enrolled, and the credit provides up to $7 a month toward an eligible subscription on DisneyPlus.com, Hulu.com or Stream.ESPN.com U.S. websites. [1]
Sources
Sources checked on 18 October 2026. It covers the U.S. consumer version of the Blue Cash Everyday® Card; other American Express cards, including Blue Cash Preferred, are not covered here, and airline and hotel loyalty programmes are outside the scope of this profile.
- Blue Cash Everyday® Card, checked 18 October 2026
- Membership Rewards® Program Terms and Conditions, checked 18 October 2026
- How do I transfer Membership Rewards® points?, checked 18 October 2026
Amex Blue Cash Everyday Card on Flyerfolio
Every page about Amex Blue Cash Everyday Card, grouped by what you want to do.
Start here 1
Tools 3
- Transfer ratio calculatorConvert points to partner miles at a ratio you enter or a sourced ratio with its official link and check date, with optional bonus and minimum block.
- Points value calculator
- Award vs cash calculatorCompare paying with points and paying cash using your own point value, including points the cash booking earns, and see the break-even value.