Amex Blue Cash Everyday: rewards, fees and who it fits
What it earns
Annual fee: $0
| Earn | Where to use it |
|---|---|
| 3% | U.S. supermarketsFirst $6,000 per calendar year in this category, then 1%. Superstores and warehouse clubs excluded. |
| 3% | U.S. online retailSeparate $6,000 annual cap, then 1%. Eligible retail purchases, not every online payment. |
| 3% | U.S. gas stationsSeparate $6,000 annual cap, then 1%. Warehouse-club fuel and superstores excluded. |
| 1% | Everything elseNo category cap listed; eligible purchases only. |
Standard purchase rates, checked Sep 23, 2026. Issuer terms (opens in a new tab). Limited-time bonuses are separate.
TL;DR
- No annual fee and three useful 3% categories.
- Each bonus category has its own $6,000 yearly cap.
- This earns cash back, not transferable Amex points.
New here? How to read these guides
Start with the earning table and TL;DR. Then check who the card fits, a spending example and how to redeem. Compare the live offer before applying.
- Cash back
- A percentage back on eligible spending. 3% on $100 = $3.
- Points / miles
- 2X means 2 points per $1 spent. It does not automatically mean 2% back. Each program has different redemption values.
- Welcome bonus / SUB
- Extra rewards for meeting an offer's spending requirement by its deadline. SUB means sign-up bonus.
- Churning
- Opening cards for welcome bonuses. Start with one card you can manage, not a pile of applications. Fees, interest and overspending can erase the upside.
- Transfer
- Moving rewards to an airline or hotel program. Often a one-way move.
The first rule: pay your statement balance in full. Interest can wipe out the rewards.
Who this card is for
A straightforward pick if your groceries, gas and online shopping fit the categories. No transfer-partner homework required.
What that earns in real life
Illustration: $400 groceries, $150 gas and $200 eligible online retail earns $22.50 at 3%, assuming you stay under each cap.
How to use the rewards
Reward Dollars can be redeemed as statement credits. They are not Membership Rewards, even if you also own Gold or Platinum.
Before you apply
Check where you shop. A grocery run at a warehouse club does not become supermarket spending because you bought food. Pay the statement balance in full; interest can wipe out the rewards.
Only spend what you can pay off in full. A welcome bonus is not worth interest or purchases you didn’t need.
Pay your statement balance in full. Interest can cost more than the rewards you earn.
Quick questions
Does Amex Blue Cash Everyday earn cash back or points?
It earns Cash back in Reward Dollars. These are not transferable travel points.
What is the Amex Blue Cash Everyday annual fee?
$0. Compare the ongoing cost with benefits you will actually use, not the advertised total.
Which stores count as U.S. supermarkets for Blue Cash Everyday?
Amex gives ALDI, Trader Joe's, Whole Foods and Stop & Shop as examples, not a complete or guaranteed list. Walmart, Target, warehouse clubs, convenience stores and meal-kit services do not count as supermarkets. The merchant's coding controls the bonus.
Sources & what to double-check
Published Sep 13, 2026. Reviewed Sep 23, 2026. Offers can change.
- Amex Blue Cash Everyday: official rewards and terms (opens in a new tab)
- Amex: U.S. supermarket examples and exclusions (opens in a new tab)
- Current application offer, fees and welcome-bonus eligibility.
- Category definitions, exclusions and credit enrollment requirements.
Want to use points for a trip? Join the flight search waitlist →