Blue Cash Everyday® Card from American Express

A cashback credit card offering great benefits on everyday purchases with no annual fee.

Introduction

The Blue Cash Everyday® Card from American Express is a popular cash-back credit card tailored for everyday purchases. It stands out by offering generous rewards on common expenses like groceries, gas, and online shopping – all while charging no annual fee. This means cardholders can earn cash back on routine spending without worrying about an extra yearly cost eating into their rewards.

For everyday spenders who want rewards without paying an annual fee, the Blue Cash Everyday Card presents a compelling option. It provides an easy way to earn cash back on the purchases you make day-to-day, making it ideal for families and individuals alike. In addition to its rewards on essential purchases, this card features perks like an introductory 0% APR period and purchase protections. Overall, the Blue Cash Everyday® Card packs plenty of value while keeping things simple and budget-friendly for the cardholder.

Benefits

The Blue Cash Everyday Card’s benefits center around rewarding your everyday spending. It offers elevated cash-back rates in several popular spending categories. For example, you can earn 3% cash back on purchases at U.S. supermarkets, U.S. gas stations, and even U.S. online retail stores (each up to a yearly spending cap, then 1% thereafter) . This makes grocery runs, fill-ups at the pump, and online shopping trips more rewarding. All other purchases on the card earn 1% cash back. Notably, the cash back earned is automatically tracked as Reward Dollars that can be redeemed later as a statement credit on your account.

Beyond the rewards program, the card comes with additional valuable perks. There’s no annual fee, which means all the cash back you earn is pure benefit. New cardmembers can also take advantage of an introductory 0% APR offer, giving a break on interest for an initial period. As an American Express cardholder, you gain access to Amex Offers – special discounts or bonus cash back deals at a wide variety of retailers and services. The card also includes built-in protections like purchase protection for new items and extended warranty coverage on eligible products, providing peace of mind when you shop. In summary, here are some key benefits of the Blue Cash Everyday Card:

• 3% Cash Back on Groceries, Gas, and Online Shopping: Earn 3% back on purchases at U.S. supermarkets, U.S. gas stations, and U.S. online retail stores (up to $6,000 in purchases per year in each category, then 1% thereafter) . This high rate on everyday categories can translate into significant rewards over the year.
• No Annual Fee: Enjoy all the card’s rewards and perks while paying $0 yearly membership fee. This makes it easy to keep the card long-term without any cost.
• Introductory 0% APR Offer: Benefit from a 0% intro APR on new purchases (and balance transfers) for the first 15 months of card membership. This can help you finance a large purchase or balance and pay it off over time interest-free (after the intro period, a variable APR of around 18.24%–29.24% applies based on creditworthiness).
• Amex Offers & Exclusive Perks: Access Amex Offers in your account, which provide bonus cash back or discounts at dozens of merchants (from restaurants to retail stores). Cardholders also get exclusive perks like early access to event tickets through American Express Experiences, and complimentary membership to ShopRunner (free 2-day shipping at select online retailers), among other Amex benefits.
• Purchase Protection & Extended Warranty: When you use the card for eligible purchases, you get purchase protection against damage or theft (typically up to 90 days from purchase). Additionally, many items may receive extended warranty coverage beyond the manufacturer’s warranty, offering extra assurance on big-ticket purchases.

Prerequisites (Eligibility Requirements)

To be eligible for the Blue Cash Everyday Card, applicants generally must meet a few basic prerequisites. You should be at least 18 years old (21 in Puerto Rico) and a U.S. resident with a valid Social Security Number or Individual Tax ID, as this is a U.S.-issued credit card. American Express typically looks for applicants with a good to excellent credit score. In practice, this means a FICO® score in the mid-600s or higher is recommended, with many successful applicants having scores 700+. Having a solid credit history with on-time payments and low credit utilization will improve your chances of approval.

Aside from your credit score, Amex will consider your income and financial stability. On the application, you’ll need to report your annual income; a steady income that comfortably supports your expenses and debts will help in the approval decision. You should also have a relatively clean credit report (for example, no recent bankruptcies or major delinquencies). U.S. citizenship isn’t strictly required – non-citizens can apply if they reside in the U.S. and have an SSN or ITIN – but a U.S. billing address is needed. In summary, qualified candidates for this card are those with decent credit (usually categorized as good or better), sufficient income, and who meet the age and residency requirements. If you’re new to credit, you might find it harder to get approved, whereas those with an established credit history in good standing have a strong chance of being accepted for the Blue Cash Everyday Card.

About American Express

American Express (Amex) is a well-known financial services company with a rich history dating back over 170 years. Founded in 1850 in Buffalo, New York, American Express originally started as an express mail and freight forwarding company in the 19th century . By the late 19th and early 20th century, the company expanded into financial services, introducing products like money orders and travelers cheques. In 1958, American Express launched its first charge card, marking its entry into the payment card industry. Today, Amex is both a card issuer and a card network, meaning it not only issues credit and charge cards to consumers and businesses, but also processes transactions on its own network (distinct from Visa or MasterCard networks).

Over the years, American Express has built a reputation for premium customer service and exclusive benefits. The company offers a range of financial products and services beyond just credit cards. These include charge cards (such as the famous Green, Gold, and Platinum Cards), travel services (like booking travel or airport lounge access for cardmembers), and even banking products (such as high-yield savings accounts and personal loans). Amex cards are known for rewards programs like Membership Rewards (points-based cards) and cashback benefits (like the Blue Cash series). They often come with travel and shopping protections, concierge services, and access to special events. American Express also provides services to merchants and businesses, including payment processing and corporate card programs. One unique characteristic of Amex is that it tends to focus on a direct relationship with its customers – many Amex cards are issued by American Express itself rather than through partner banks, which allows Amex to tailor its card features and customer support closely.

Globally, American Express is a highly recognized brand. In the United States, its cards are now accepted at the vast majority of merchants that take credit cards (over 99% of U.S. merchants that accept credit cards can accept Amex). The company has its headquarters in New York City and remains a leader in customer satisfaction. In summary, American Express’s long history and range of services have established it as a premium credit card issuer known for rewards, security, and strong customer support.

Who is this card for?

The Blue Cash Everyday Card is an excellent choice for a wide range of consumers, especially those who have significant everyday expenses. If you are someone who spends a lot on groceries, gasoline, or online shopping, this card is tailored for you. For example, families and household shoppers who frequent U.S. supermarkets can earn substantial cash back (3% on up to $6,000 in yearly supermarket purchases) on their weekly grocery runs. Likewise, commuters or drivers who are regularly filling up at gas stations will benefit from the 3% back on gas purchases. Online shoppers will also appreciate the 3% rewards rate for purchases made through U.S. online retailers – if you find yourself clicking “add to cart” frequently on websites or apps for your shopping, those purchases can earn robust cash back with this card.

Because there is no annual fee, this card is ideal for individuals or families looking to maximize rewards without any upfront cost. It’s great for budget-conscious people or those new to rewards cards who want to dip their toes into cashback programs without a commitment. The card is also forgiving for light or moderate spenders; even if you don’t spend heavily, you won’t have to worry about “earning back” an annual fee each year. Additionally, the Blue Cash Everyday Card suits those who prefer simplicity – the cash back rewards are straightforward and are redeemed as statement credits, making it easy to understand the value you’re getting.

On the other hand, this card might not be the best fit for globe-trotters or people who frequently travel abroad (due to foreign transaction fees – see the Fees section) or those who spend far above the category caps (such big spenders might consider a higher-tier card like the Blue Cash Preferred® which has a fee but higher rewards). In general, the ideal user profile for the Blue Cash Everyday is someone with good credit who wants to earn solid cash back on everyday U.S. spending categories, appreciates not having an annual fee, and doesn’t need ultra-premium travel perks. If you find yourself buying groceries, pumping gas, and shopping online regularly, and you want a no-fuss reward card, the Blue Cash Everyday Card is for you.

What rewards and programs does the card offer?

The Blue Cash Everyday Card offers a straightforward cash-back rewards program that puts money back in your pocket for everyday spending. The core of the program is the cash back earned in the specific categories of groceries, gas, and online retail purchases as described in the Benefits section. Here’s a closer look at how the rewards work and additional programs associated with the card:

• Cash Back Earnings: As a cardmember, you will earn 3% cash back on the first $6,000 spent per year at U.S. supermarkets, 3% on the first $6,000 per year at U.S. gas stations, and 3% on the first $6,000 per year in U.S. online retail purchases. Any spending above $6,000 in those categories (within a calendar year) earns 1% back. All other purchases that don’t fall into those bonus categories earn an unlimited 1% cash back. This structure allows you to earn rewards on the things you buy most often. For example, $500 per month in grocery spend would hit the $6,000 annual cap and earn you $180 in cash back just from groceries each year, while still earning 1% on additional grocery spend beyond that.
• Reward Redemption: The cash back you earn is accrued as Reward Dollars in your account. You can redeem Reward Dollars for a statement credit on your account. Every $1 in Reward Dollars equals $1 in statement credit. You can choose to redeem once you have accumulated at least $25 Reward Dollars (in practice, Amex may allow redemption at any $25 increment or even at any time through your online account). Statement credit redemptions will simply reduce your balance. Another convenient option Amex provides is using your Reward Dollars toward purchases at checkout at Amazon.com – if your American Express card is linked to your Amazon account, you can pay with points (in this case, your cash back) when checking out. Redemption is very straightforward; unlike some rewards cards, there are no confusing travel portals or point conversions – it’s pure cash back value. (Do note that statement credits from cash back won’t count as a payment towards your monthly minimum due; you still need to make at least the minimum payment each month.)
• Welcome Bonus: New cardmembers can benefit from a welcome offer (sign-up bonus). As of the latest offer, new approved applicants can earn a $200 statement credit after spending $2,000 on the card within the first 6 months of membership. This is a nice upfront incentive that effectively boosts your first few months of cash back earnings. (Terms subject to change – sometimes Amex adjusts the bonus, so check the current offer when applying.) Reaching $2,000 in 6 months is roughly $334 per month in spend, which is quite attainable for many households when factoring in groceries, gas, and other bills that can be paid with the card. The $200 bonus will be issued as a statement credit, typically 8–12 weeks after you meet the spending requirement.
• Amex Offers: A valuable program that comes with all American Express cards, including Blue Cash Everyday, is Amex Offers. Through your Amex online account or mobile app, you can access dozens of rotating special offers. These offers provide extra cash back or discounts at various merchants. For example, Amex might have an offer like “Spend $50 at [Merchant] and get a $10 statement credit” or “Get 10% back on purchases at [Store] up to $25 back.” By adding these offers to your card, then using your card for the purchase, you automatically earn the bonus. This program costs nothing to use and can stack additional savings on top of your normal cash back. Offers range across dining, shopping, travel, entertainment and more, and they update regularly. It’s a great way to save extra money with very little effort.
• Disney Bundle Credit: A unique new perk on the Blue Cash Everyday Card is a statement credit for the Disney streaming bundle. If you enroll, you can get $7 back each month after you spend $13.99 or more on an eligible Disney Bundle subscription (which includes Disney+, Hulu, and ESPN+) using your card . Essentially, Amex is subsidizing a portion of your streaming subscription – this could amount to $84 in statement credits per year if you use the Disney Bundle service and charge it to this card every month. Enrollment in this benefit is required (you do it via Amex Offers or the benefits section of your account), and terms apply (for instance, the subscription must be auto-renewing and meet the minimum charge requirement to trigger the credit).
• Home Chef Credit: Similarly, the Blue Cash Everyday Card now offers up to $15 back per month in statement credits for spending on a Home Chef meal kit subscription . Home Chef is a meal delivery service, and if you use this card to pay for your subscription, you can receive $15 in credits each month (that’s up to $180 per year). Like the Disney credit, you need to enroll for this benefit. These two credits (Disney Bundle and Home Chef) together add significant ongoing value – up to ~$264 annually – for cardholders who can take advantage of them, essentially offsetting costs on popular streaming and meal services.
• Additional Cardmember Programs: American Express provides Entertainment Access to its cardmembers. With the Blue Cash Everyday Card, you get access to American Express Experiences, which offers pre-sale tickets and exclusive reserved tickets for concerts, theater shows, sporting events, and more. This program can be great if you enjoy live events – you may get the chance to buy tickets to popular events before the general public. Furthermore, all Amex cardmembers have access to a Global Assist Hotline when traveling more than 100 miles from home – this is a 24/7 hotline that can help with travel emergencies, medical or legal referrals, and other coordination (though any third-party costs are your responsibility, the assistance call is free). While Global Assist is more of a travel benefit, it’s nice to know it’s there if you ever need help during travels. Lastly, Amex cards come with fraud protection – $0 liability on unauthorized charges – and handy account management features like the ability to create custom alerts, freeze your card if misplaced, and more via the Amex mobile app.

In summary, the Blue Cash Everyday Card is not just about the headline cash-back categories – it also comes with a variety of programs and perks that add value. From the straightforward cashback that rewards your everyday spending, to the sign-up bonus and monthly credits, to ongoing Amex Offers and special access events, cardholders have many ways to benefit. Maximizing this card is as simple as using it for your grocery, gas, and online purchases, taking advantage of the intro APR for any big purchases you need to pay off, and keeping an eye on the extra offers in your Amex account to save even more. All of this is delivered while paying no annual fee, making the rewards effectively free extras.

Initial Credit Limit

When you’re approved for the Blue Cash Everyday Card, the credit limit you receive will depend on your individual creditworthiness (income, credit history, etc.). American Express does not have a published fixed minimum or maximum credit line for this card – it varies by applicant. However, based on customer data and reports, we can outline typical ranges:

• Minimum Starting Credit Limit: Many new cardholders report initial credit limits around $1,000 at the low end. In fact, $1,000 is a common starting limit for those who meet the requirements but perhaps have a shorter credit history or lower income. Some applicants with very high creditworthiness might start higher, but if you’re approved with the minimum criteria, don’t be surprised if your credit line is relatively modest initially (e.g. $1k–$3k). American Express often allows credit limit increase requests after you’ve had the card for a few months (typically 6 months) of on-time payments.
• Higher Potential Credit Limit: For well-qualified applicants, the Blue Cash Everyday Card can come with a much larger credit line. It’s not unusual to see starting credit limits in the $5,000 to $10,000 range for those with excellent credit and income. Over time, with responsible use, credit limits can grow significantly. Some cardholders have reported credit limits of $20,000 or more on this card. In one discussion, a user noted their Blue Cash Everyday limit was about $28,000 after being a customer and likely receiving periodic increases . In general, there is no hard “cap” – American Express will extend credit based on your ability to handle it. If you demonstrate responsible use, you may be offered credit line increases automatically, or you can request them.

Keep in mind that when you first get the card, if your limit is on the lower side for your spending needs, you can manage it by paying off the balance multiple times a month if necessary (you don’t have to wait for the statement – Amex lets you make payments anytime). This can effectively free up available credit if you hit your limit. Over time, as you build a history with Amex, your available credit may grow. Also note, the Blue Cash Everyday is subject to Amex’s overall credit limits for an individual – if you already have other Amex cards with large lines, a new card might start lower to stay within an aggregate exposure that Amex is comfortable with for you.

In bullet form, typical credit limits for the Blue Cash Everyday Card:

• Low-end Credit Limit: ~$1,000 (common starting limit for many new cardholders) .
• High-end Credit Limit: $20,000+ (for those with excellent credit profiles; some users report ~$25k–$28k limits after extensions) .

Remember, your mileage may vary – these figures are just guidelines. If your initial limit is not as high as you hoped, responsible card usage and time can lead to increases. And no matter what your limit is, the no annual fee means it doesn’t cost you anything to keep the card open to build credit history.

Step-by-Step Guide to Apply for the Card

Ready to apply for the Blue Cash Everyday® Card? American Express makes the application process straightforward. You can apply online through their website or even via the Amex mobile app. Follow these steps to apply:

1. Visit the Official Application Page: Go to the American Express website and navigate to the Blue Cash Everyday Card page. You can directly access the application by visiting the official Amex link for this card. On that page, click the “Apply Now” button to start your application. (Tip: Amex often provides a tool called “Apply with Confidence” which might tell you if you’re approved with no impact to your credit score until you accept, so look for that on the site.)
2. Fill Out the Application Form: The online application will ask for personal details and financial information. You’ll need to provide your full name, email, home address, phone number, Social Security Number (SSN) or ITIN, date of birth, and annual income. Be prepared to also share your housing status (rent/own) and monthly housing payment, as well as employer information (if applicable). Fill in all required fields accurately. The form is secure, and your information is encrypted.
3. Review Terms and Submit: After inputting your information, you’ll see the card’s terms and conditions, including interest rates and fee details. It’s wise to review this information. When you’re ready, submit the application electronically. In many cases, Amex will process your application within minutes. You might receive an instant decision on screen. Sometimes additional review is needed, in which case you may get an email after a few days with the decision or a request for more information.
4. Check Application Status (if needed): If you don’t get an immediate approval, American Express has an application status portal. You can go to the Amex website’s application status page and input your information to see if your application is approved, pending, or requires any action. Often, however, approvals for qualified applicants are instant. If approved, congratulations! You’ll be shown your new account details like credit limit and APR.
5. Apply via Mobile App (Alternative): Alternatively, you can apply using the American Express mobile app if you prefer. Download the Amex app from the Apple App Store (iOS) or Google Play Store (Android). Once installed, open the app and either log in (if you have another Amex account) or proceed as a new user. Navigate to the “Cards” or “Apply for a Card” section in the app, find the Blue Cash Everyday Card, and tap to apply. The app will guide you through the same application form in a mobile-friendly format. This can be done anywhere from your phone.
6. Await Your Card: If approved, American Express will mail your physical Blue Cash Everyday Card to the address you provided. You should receive it in about 7–10 business days. Sometimes it can arrive sooner. Along with the card, you’ll get a welcome packet with information about the card’s benefits, terms, and instructions on how to activate the card. (See the “How to Unlock/Activate the Card” section below for activation steps.)

Applying online or via the app is secure and relatively quick. Ensure that all the information you provide is truthful and matches your credit reports (for example, use the same address that appears on your credit file). Also, as with any credit card application, a hard inquiry will be placed on your credit report when you submit (unless you used a pre-approval feature that states otherwise). American Express sometimes lets you know your approval status with just a soft inquiry (especially through their prequalification tool) and only does a hard pull if you accept the card – pay attention during the application if this feature is available. Once you have submitted your application, the hard part is over – now you can look forward to earning cash back on your new Blue Cash Everyday Card.

(Pro Tip: If for some reason your online application is not approved or you prefer speaking to someone, you can also apply over the phone by calling American Express sales/new accounts, but the online method is usually fastest and easiest.)

Pros and Cons

Like any financial product, the Blue Cash Everyday® Card from Amex comes with its set of advantages and a few drawbacks. It’s important to consider both the pros and cons to determine if this card aligns with your needs and spending habits. Here’s a balanced look at what’s great about the card and where it falls short:

Pros:

• No Annual Fee: This card costs nothing to carry, so all the rewards you earn are net gains. You don’t have to worry about earning enough cash back to offset an annual fee, making it ideal for frugal users or those who want a secondary card for specific purchases.
• High Cash Back on Everyday Categories: Earning 3% cash back on groceries, gas, and online retail purchases is a standout feature. These are common expenses for many people, and that high rewards rate can translate to significant cash back over a year. Many competing no-annual-fee cards max out at 2% or have rotating categories; the Blue Cash Everyday gives consistently strong rewards in fixed popular categories.
• Introductory 0% APR Period: The 15-month 0% intro APR on purchases (and balance transfers) is a big perk if you plan a large purchase or need to consolidate some existing credit card debt interest-free . It’s essentially a free financing period. As long as you pay down the balance within that time, you won’t incur interest – a helpful feature for big-ticket items or emergencies.
• Amex Customer Service and Protections: American Express is known for top-notch customer service. As a cardmember, you have access to 24/7 support and a host of protections (fraud protection, dispute resolution, etc.). The card also provides purchase protection (covering theft/damage on new purchases for a limited time) and return protection on eligible items, which not all no-fee cards offer. These perks add peace of mind when shopping.
• Additional Amex Perks: Beyond cash back, you benefit from Amex Offers for extra savings, exclusive entertainment access, and the new streaming/home chef credits. You also can get a free ShopRunner membership (value for those who shop online, giving free 2-day shipping at many stores). The card even allows a form of pre-approval application with no hard credit impact until you accept, which is convenient for the cautious applicant. Taken together, these “soft perks” enrich the overall value of the card.

Cons:

• Foreign Transaction Fee: A notable drawback is the 2.7% foreign transaction fee on purchases made outside the U.S. (or in foreign currencies). This makes the Blue Cash Everyday a poor choice for international travel spending. If you go abroad or make purchases from non-U.S. websites frequently, you’ll lose a portion of your rewards (and more) to fees. Many travel-oriented or even some general cards waive this fee, but this card does not.
• Rewards Caps on 3% Categories: The 3% cash back is excellent, but it’s limited to $6,000 per category per year. For very high spenders in those categories, any spending beyond $6k (about $500/month) in, say, groceries will drop to just 1% back. For instance, large families or those with extremely high grocery bills might hit the cap before year-end. In such cases, a card with no cap (or a higher cap, like Blue Cash Preferred’s $6k on groceries but with 6% back) might earn more total rewards despite that card’s annual fee. Essentially, the Everyday’s earning potential in each 3% category is “capped” at $180 per year (3% of $6,000) per category.
• Mediocre Rewards on Other Spending: All purchases outside of the three bonus categories only earn 1% cash back. If a large portion of your spending is in non-category areas (like travel, dining out, or shopping at stores that don’t code as online retail), you won’t be earning elevated rewards. Some other no-fee cards offer 1.5% or 2% flat on everything. So, if your spending doesn’t align well with groceries/gas/online, you might get better overall returns with a flat 2% cash back card. For example, spending $10,000 a year on miscellaneous items would net only $100 with this card (at 1%), whereas a 2% card would net $200.
• Lack of Premium Benefits: The Blue Cash Everyday is a straightforward, no-frills card in terms of travel or luxury perks. It doesn’t include things like travel insurance coverage, extended warranty (Amex has removed extended warranty on some no-fee cards in recent years), airport lounge access, or other high-end benefits. While one shouldn’t expect those on a no-annual-fee card, it’s worth noting if you’re comparing options. You’re getting solid cash back, but not much else in terms of travel protections (aside from car rental loss/damage insurance for rentals) or concierge services.
• American Express Acceptance Abroad: While Amex is widely accepted in the U.S., some international merchants and smaller domestic stores may not accept American Express due to its higher merchant fees. If this is your primary card, you might need a backup Visa or MasterCard in situations where Amex isn’t taken. This isn’t a huge issue in most cities, but it can be inconvenient in some instances (e.g., certain mom-and-pop shops or foreign countries where Visa/MasterCard are the norm).
• Comparison to Its Sibling Card: American Express offers the Blue Cash Preferred® Card, which does charge an annual fee but offers double the grocery cash back (6% on groceries up to $6k) plus 6% on streaming services and 3% on transit. If your spending in these categories is high enough, the Preferred could yield more net rewards even after its fee. In comparison, the Blue Cash Everyday is best for those who don’t want to pay a fee, but for heavy spenders in groceries/gas, it’s a bit of a compromise. This isn’t exactly a con of the Everyday card itself – more a consideration that there is a more rewarding version if you’re willing to pay for it.

In conclusion, the Blue Cash Everyday Card has excellent strengths in its lack of fees and strong cash back on practical spending categories, making it a favorite for many everyday consumers. The downsides are mostly relevant to specific situations: international use, extremely high category spenders, or those seeking travel luxury perks. For a no-annual-fee cashback card, the pros heavily outweigh the cons if your spending aligns with its rewards. As long as you pair it with a strategy for non-category purchases (and maybe a no-FTF card for travel), the Blue Cash Everyday can be a cornerstone of a rewarding, fee-free credit card setup.

How to Unlock (Activate) the Card

Once you receive your new Blue Cash Everyday Card in the mail, you’ll need to activate it (also referred to as “unlock” the card) before you can start using it for purchases. American Express provides a couple of convenient ways to confirm receipt of your card and activate it:

1. Online Activation: The quickest method is to activate online. Visit the American Express card activation page by going to americanexpress.com/confirmcard in your web browser. You’ll be prompted to enter your 15-digit card number and the 4-digit Card ID (this is a security code printed on the front of your card, just above the card number on Amex cards). After entering those details, you may also need to provide some personal information (for security verification), such as your billing ZIP code and the last four digits of your Social Security Number. Follow the prompts, and once you submit the information, the website will confirm that your card has been activated. If you don’t already have an online account with Amex, the activation process will also guide you through creating a username and password so you can manage your card online going forward.
2. Activate via Mobile App: You can also use the American Express mobile app to activate your card. If you haven’t already, download the Amex app on your smartphone (available for iOS and Android). Log in or create an account. On the home screen or in the account menu, look for an option like “Activate Card” or “Confirm Card Receipt.” Tap that, and you’ll be asked to input the card details (card number and possibly the security code or personal info as above). The app will process the activation and notify you when your card is ready to use. This method is convenient if you prefer using your phone instead of a computer.
3. Phone Activation: If you’d rather activate by phone or cannot get online, you can call American Express to activate your card. Simply call the number printed on the sticker affixed to your new card (usually there is a toll-free number listed specifically for card activation). For American Express, a common activation line is 1-800-362-6033 . Call that number and follow the automated prompts. You will likely be asked to enter your card number and maybe some identifying info. The automated system (or a representative) will confirm when the card is activated. This call only takes a few minutes. Be sure to call from a phone number that you have on file with Amex if possible, as they sometimes use that to help verify identity.
4. Set Your PIN (if needed): While activating, or once activated, you might want to set a PIN for your card. American Express credit cards may require a PIN for certain transactions like cash advances or to use overseas in chip-and-PIN situations. You can set a 4-digit PIN through your online account or by requesting one via customer service. It’s not mandatory for regular use (in the U.S. you usually just sign or tap), but good to have.

After activation, your Blue Cash Everyday Card is ready to use. Remove the activation sticker from the front of the card, sign the back of the card with your signature (this is an additional security step – merchants can theoretically compare your signature to the receipt, though this is less common nowadays with chip and contactless), and you’re all set. If you added the card to your Amex online account during activation, you can now log in anytime to see your statements, pay your bill, and track rewards. If you run into any issues during activation (for example, if the online system doesn’t work due to some address mismatch or other issue), don’t hesitate to call the customer service number on the card and a representative will assist you. Activation is usually very smooth and only needs to be done once when you first receive the card (or if you ever receive a replacement card in the future).

Now you can start swiping (or inserting or tapping, as the card will come with contactless capability) your Blue Cash Everyday Card and earning those cash-back rewards!

Fees and Tariffs

One of the great aspects of the Blue Cash Everyday Card is its transparent fee structure – notably, the lack of an annual fee. However, like any credit card, there are other fees and interest charges to be aware of. Here’s a breakdown of the key fees and rates associated with this card:

• Annual Fee: $0. There is no annual membership fee for the Blue Cash Everyday® Card. This means you will not be charged just for owning the card, and you can keep it open without cost year after year.
• Purchase APR: After the intro period, the standard purchase APR is a variable rate currently in the range of 18.24% to 29.24% (APR will depend on your creditworthiness and the Prime rate) . This is the interest rate that applies to any carried balance on purchases. Paying your statement balance in full each month by the due date lets you avoid paying any interest on purchases.
• Introductory APR: 0% introductory APR on purchases for 15 months from account opening . During this 0% APR period, you won’t incur interest on your purchase balances. There is also 0% APR on balance transfers for 15 months for transfers requested within a certain time of opening (typically within 60 days). After the 15 months, any remaining balance will start accruing interest at the regular variable APR.
• Balance Transfer Fee: If you transfer a balance from another card, a fee of 3% of the amount transferred (minimum $5) applies. For example, transferring $1,000 from another card would incur a $30 fee. This fee is fairly standard among cards that offer intro balance transfer APRs. Note that you cannot transfer balances from other American Express accounts.
• Cash Advance Fee: 5% of the amount of each cash advance, with a $10 minimum. Cash advances (using the credit card to withdraw cash from an ATM or bank) are generally not recommended due to this high fee plus a high interest rate (usually around 29% APR on cash advances with no grace period). Only use in true emergencies.
• Foreign Transaction Fee: 2.7% of each transaction amount in U.S. dollars . This fee applies when you make purchases in a foreign currency or through a foreign bank (including online transactions routed through non-U.S. banks). As mentioned, this makes the card less ideal for international use. For a $100 purchase abroad, a $2.70 fee would be added.
• Late Payment Fee: Up to $40 . If you do not make at least the minimum payment by the due date, American Express may charge a late fee. The first time you are late, the fee may be $29, and subsequent late payments can be $40 (Amex follows regulations that cap late fees at these amounts and not above your minimum due). To avoid this, consider setting up autopay for at least the minimum due each month.
• Returned Payment Fee: Up to $40. If a payment you make is returned (for example, a check bounces or an electronic payment is returned by your bank), a fee up to $40 can be charged. Ensure your bank details are correct and that you have sufficient funds when paying your bill.
• APR for Cash Advances: ~29.24% Variable (this may vary with Prime rate). This is the interest charged on cash advance balances, from the date of the advance until paid off. There is no grace period on cash advances, meaning interest starts accruing immediately. Again, best to avoid cash advances.
• Penalty APR: Up to 29.99% Variable (if applicable). American Express may apply a penalty APR if you miss payments (usually if you are 60 days late). The penalty APR can increase your interest rate on existing balances. However, if you make timely payments for six months after, Amex will review and may remove the penalty APR. It’s best never to trigger this by paying on time.

Summary of Key Fees: In plain terms, the Blue Cash Everyday Card costs nothing to carry (no annual fee) and provides a lengthy 0% interest period on new charges. If you pay your balance in full each month, you can completely avoid interest. The main fees to watch out for are common to most cards: late fees (so pay on time) and foreign transaction fees (so use a different card when abroad). American Express will always disclose your specific APR and credit terms upon approval; always read that documentation when you get the card. As of now, the interest rates are variable as noted, and fees like late payment or foreign transaction are fixed as above. All terms are subject to change as well, but Amex will notify you of any changes.

By understanding the fee structure, you can ensure that the rewards you earn with the Blue Cash Everyday Card aren’t offset by any avoidable fees. Fortunately, with responsible use, it’s easy to dodge most fees: pay on time (no late fee, no interest), don’t use cash advances, and be mindful when traveling abroad. This way, the card truly remains a cost-free tool that pays you back for your spending.

Customer Service

American Express has a strong reputation for customer service, and as a Blue Cash Everyday Card member you have access to multiple support channels whenever you need help or have questions about your account. Here are the official contact details and resources for Amex customer service:

• Phone Number (24/7 Customer Service): For any inquiries about your Blue Cash Everyday Card account, you can call American Express Customer Service at 1-800-528-2122. This number is toll-free and available 24 hours a day, 7 days a week for cardmembers. You can use this for questions about your bill, to report a lost or stolen card, to dispute a charge, or any general account assistance. (If you’re overseas, you can call collect to a different number – see the back of your card or Amex website for international contact numbers.)
• Online Account & Live Chat: Visit americanexpress.com and log in to your account. From there you can manage almost all aspects of your card (view statements, make payments, check rewards, etc.) via the website. American Express also offers a live chat feature once you’re logged in – look for a chat icon or help button. Chat can be a convenient way to get quick answers or resolve minor issues without calling.
• Mobile App: The American Express mobile app (available on iOS and Android) is a comprehensive tool for account management. Through the app, you can not only monitor your account and make payments but also contact customer service. The app has a messaging/chat feature and will also let you call customer support with a tap (dialing the correct number for you). It’s handy to have the app for instant alerts about your spending as well – Amex can send notifications for each transaction, payment due reminders, and fraud alerts. In case of any suspicious activity, you can quickly freeze your card in the app and contact support.
• Mailing Address: If you need to send correspondence or payments via mail (for those who prefer mailing check payments or have other documents to send), you can find the appropriate mailing address on your billing statement or on the Amex website’s contact page. Typically, mailed payments go to an American Express remit address in Dallas, TX (if you’re in the U.S.), but double-check your statement for the exact address and allow plenty of time for mailing before your due date.
• Additional Support Resources: American Express’s website has a comprehensive Help Center with frequently asked questions. Topics include everything from how to redeem rewards, how to add an authorized user, to how to replace a lost card. There’s also a secure message center if you prefer to send a question and get a response by email when logged into your account. For hearing-impaired customers, TTY/TDD support is available at 1-800-221-9950. If you ever suspect fraud or need to report your card lost/stolen, you should call customer service immediately (they will usually ship a replacement card overnight in such cases).
• Social Media: While not an official channel for account-specific issues, American Express does have a presence on Twitter (@AskAmex) where they sometimes help with general questions (be sure not to share personal account details in public). They will often direct you to secure channels for actual account help.

American Express prides itself on responsive service – many cardholders report positive experiences with how quickly Amex resolves issues or provides assistance. As a cardmember, don’t hesitate to reach out if you have questions about a charge, need to request a fee waiver (Amex is known to waive a late fee as a one-time courtesy if you generally have a good payment history), or want to inquire about an additional service. Also, take advantage of the digital tools: setting up alerts can help you avoid problems, and using the app or site for self-service can save you time. If you prefer human help, the phone line is always there and generally picks up quickly with knowledgeable representatives.

In short, help is always available for Blue Cash Everyday Card users – whether it’s a quick question about how your cash back works or urgent assistance in an emergency, American Express’s customer service has you covered through multiple convenient channels. Keep the customer service number in your phone contacts or wallet for easy reference, and enjoy the peace of mind that comes with Amex’s support.

Disclaimer

Disclaimer: The information provided in this article is for informational purposes and may not cover all terms, conditions, or changes related to the Blue Cash Everyday® Card from American Express. Card benefits, offers, and fees are subject to change at any time by American Express; always refer to the official American Express terms and conditions and the Cardmember Agreement for the most current and detailed information. Individual credit approval is not guaranteed and will depend on your personal credit profile. This article does not constitute financial advice – please consider your own financial situation or consult a financial advisor before applying for any credit product. All trademarks are the property of their respective owners. American Express’s decisions (for example, credit approval, credit limit assignments, and reward provisions) are final and governed by their policies. By using the card, you agree to abide by the cardholder terms. Remember: Always use credit responsibly by paying on time and within your means to fully enjoy the benefits of any credit card.

Sources:

1. American Express – Blue Cash Everyday® Card from American Express: Official Card Details and Benefits. (americanexpress.com)
2. Business Wire – American Express Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits. Press Release, July 14, 2022 (American Express® Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits) (American Express® Enhances Blue Cash Everyday® Card with New Design, Cash Back Rewards, and Benefits).
3. WalletHub – Amex Blue Cash Everyday Credit Score Requirement. (Joyce Brown, WalletHub Answers, Feb 19, 2025) (Blue Cash Everyday Card from American Express Credit Score Requirement ).
4. Credit Karma – Blue Cash Everyday® Card from American Express Review. (Intuit Credit Karma, creditkarma.com) – Average credit limit data for cardholders (Blue Cash Everyday® Card From American Express Review: Good for Grocery Shoppers and Drivers on a Budget | Intuit Credit Karma).
5. American Express Cardmember Agreement for Blue Cash Everyday Card – Rates and Fees Table. (Dec 2022) (Blue Cash EveryDay Card Cardmember Agreement ) (Blue Cash EveryDay Card Cardmember Agreement ).
6. NerdWallet – AmEx Blue Cash Everyday Card Review. (nerdwallet.com) – General information on rewards structure and usage tips.
7. Wikipedia – American Express. (en.wikipedia.org/wiki/American_Express) – Company history and background (American Express – Wikipedia) (American Express – Wikipedia).
8. American Express – Contact Us & Support. (americanexpress.com) – Customer service contact information (Contact American Express | Phone Numbers and Addresses).