Blue Cash Everyday® Card
No annual fee. Purchase APR 19.74–28.74%, variable.
- Annual fee
- Cardmember agreementFiled with the CFPB · PDF
“Annual Fee None”
- Purchase APR, variable
- Cardmember agreementFiled with the CFPB · PDF
“(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
- Prime rate, in effect since Sep 17, 2026
- 7.00%
- Card margin
- +12.74–21.74%
- APR today
- 19.74–28.74%
- Foreign transaction fee
- Cardmember agreementFiled with the CFPB · PDF
“Foreign Transaction: 2.7% of the converted U.S. dollar amount.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $215 | $215 |
| Typical spender | $470 | $470 |
| Heavy spender | $850 | $850 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 90% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · Blue Cash® Reward Dollars
- 3%Eligible purchases at supermarkets located in the U.S.
- 3%Eligible U.S. online retail purchases
- 3%Eligible purchases of gasoline at gas stations located in the U.S.
- 1%Everything else
Rates and fees
| Annual fee | Cardmember agreementFiled with the CFPB · PDF “Annual Fee None” |
|---|---|
| Purchase APR | Cardmember agreementFiled with the CFPB · PDF “(APR) for Purchases Prime Rate + 12.74% to Prime Rate + 21.74%”
|
| Balance transfer APR | Cardmember agreementFiled with the CFPB · PDF “APR For Balance Transfers Prime Rate + 12.74% to Prime Rate + 21.74% for any balance transfer requests we”
|
| Balance transfer fee | Cardmember agreementFiled with the CFPB · PDF “Balance Transfer: 3% of the transaction, with a minimum of $5.” |
| Cash advance APR | Cardmember agreementFiled with the CFPB · PDF “APR for Cash Advances Prime Rate + 21.99%”
|
| Cash advance fee | Cardmember agreementFiled with the CFPB · PDF “Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Cardmember agreementFiled with the CFPB · PDF “Prime Rate + 26.74%”
|
| Late payment | Cardmember agreementFiled with the CFPB · PDF “Late Payment: Up to $40.” |
| Returned payment | Cardmember agreementFiled with the CFPB · PDF “Returned Payment: Up to $40.” |
| Foreign transactions | Cardmember agreementFiled with the CFPB · PDF “Foreign Transaction: 2.7% of the converted U.S. dollar amount.” |
| Grace period | Cardmember agreementFiled with the CFPB · PDF “Paying Interest Your Due Date is at least 25 days after the close of each billing period.” |
Carrying a balance? See how long it takes to pay off at 28.74% APR
Benefits
- Disney Streaming Credit: $7 monthly
- Car Rental Loss and Damage Insurance provides secondary coverage for damage to or theft of a rental vehicle in a covered territory when the Eligible Card is used to reserve and pay for the entire rental and the collision damage waiver is declined; coverage is unavailable for vehicles rented in Australia, Italy, and New Zealand, and does not include liability coverage.
- Global Assist Hotline is available 24/7 when traveling more than 100 miles from home for emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance; third-party provider costs are the Card Member's responsibility.
- Access to Amex Presale Tickets and Amex Reserved Tickets for select events, while supplies last and subject to seat availability.
- Send & Split, powered by Venmo and PayPal; enrollment required.
- Access to Amex Offers for extra rewards on qualifying purchases at select brands.
- Instant Card Number may allow approved and eligible applicants to begin using the Card online and through supported digital wallets.
- Dispute resolution assistance for fraudulent or incorrect statement charges.
- Ability to add an Additional Card.
- Rental car
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
Questions
- What is the annual fee?
- None Filed with the CFPB · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 2.7% of each transaction after conversion to US dollars.. Filed with the CFPB · PDF, since Sep 29, 2026
- What is the purchase APR?
- 19.74–28.74% APR Filed with the CFPB · PDF, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$240 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$180 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$155 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).