Amex Blue Cash Daily Benefits Guide
The American Express Blue Cash EverydayÂ® card is one of two cash back cards offered by American Express. It’s a solid rewards card for daily spenders and a great option for families. Blue Cash Everyday also has an enhanced counterpart – the Blue Cash PreferredÂ® card from American Express, which comes with an annual fee of $ 95 (waived in the first year).
Both offer pretty similar perks, but Blue Cash Everyday is probably better suited for cardholders who spend less on groceries, as it might be difficult to offset that annual fee on Blue Cash Preferred.
Tariffs and tariffs
Blue Cash Everyday has no annual fee and 0% introductory APR for 15 months, so the variable APR is 13.99% to 23.99%. The overseas transaction fee will cost 2.7% after converting to US dollars, and the cash advance fee is the greater of $ 10 or 5%. Compared to the Blue Cash Preferred card, the fees are lower.
For a welcome bonus, cardholders can expect $ 100 cash back after spending $ 2,000 in the first six months. Plus 20% Cash Back on Amazon.com purchases in the first six months (up to $ 150 back). Since the rewards categories focus on daily spending, cardholders can earn rewards in multiple ways.
Cardholders earn 3 percent in US supermarkets on up to $ 6,000 in purchases per year, then 1 percent thereafter. Cardholders also earn 2% cash back at U.S. gas stations and select U.S. department stores (like Macy’s and JC Penny), as well as 1% cash back on all other purchases.
Gastronomic and entertainment benefits
Blue Cash Everyday cardholders automatically have access to American Express Experiences. These experiences range from Broadway shows and concerts to sporting events and unique art exhibits.
Members also have access to exclusive presale tickets and card member-only events. And while you’re a VIP, this is a great opportunity to earn 1% Cash Back on all those purchases outside of the rewards categories.
For those who love to travel, American Express offers a Global Assist Hotline to help its members explore new places. Representatives are readily available by phone to help with lost passports, translation services, missing baggage, and emergency legal or medical references.
Amex also offers loss and damage insurance for rental cars when the initial purchase is made on one of their cards.
Card protections and insurance benefits
Any charge made to your Blue Cash Everyday card includes protection for purchases against accidental damage or theft for a period of up to 90 days from the date of purchase. With Blue Cash Everyday, you’ll get coverage of up to $ 1,000 per qualifying purchase with an annual limit of $ 50,000 per year. American Express also provides dispute resolution assistance to assist with fraudulent or incorrect charges.
Advantages of the payment option
Blue Cash Everyday includes the American Express Pay It Plan It program. The “Pay” option is for purchases under $ 100 and allows you to quickly make payments throughout the month for that purchase.
The âScheduleâ option is for purchases of $ 100 or more and allows you to split the purchase into fixed monthly payments with little interest. Purchases made in either option will also earn rewards like any other purchase.
How to Maximize Benefits and Benefits
It’s important to get the most out of your credit cards and take full advantage of what they offer. To maximize the benefits of this particular card, members must first focus on urgent offers. These include the welcome offer and the starting cash back percentage for groceries.
The welcome offer requires cardholders to spend $ 2,000 in the first six months to receive the $ 100 reward. The 3% rebate on U.S. supermarket purchases is capped at $ 6,000 per year, so a cardholder should spend at least that much on groceries per year to get the most out of it.
After that, it’s important to plan your spending so that you get the most out of the reward categories and get 1% back on all other purchases. However, if your spending habits exceed this card’s offerings a bit, you may want to upgrade to the Blue Cash Preferred card to maximize its benefits.
All American Express cards come with Amex offers in addition to their already awarded rewards and benefits. This program includes a variety of promotions and rewards that cardholders can browse and choose which ones to activate.
Amex offers may differ depending on the card, so the rewards offered better match the spender. Some retailers offer cash back promotions and others allow you to earn Membership Rewards points to spend with them.
Each Amex offer has a spending requirement and an expiration date for spending that amount. To maximize these benefits, card members should constantly check Amex offers for promotions that match their spending.
The bottom line
The Amex Blue Cash Everyday card comes with great benefits for the right kind of spender. For example, those who spend less on groceries may not earn enough rewards to offset the annual fee for the Blue Cash Preferred card, so everyday is the best option.
The rewards categories focus on the daily purchases that the average cardholder likely makes, which means that many consumers will benefit from this card.
With no annual fee and 0% introductory APR for 15 months, this is a great card to also have the benefits of just being an American Express member. The shopping protections, travel assistance, American Express experiences, Amex offers and more that come with just having an Amex card are invaluable.
The Amex Blue Cash Everyday is a great card for spenders looking for good general perks and rewards for daily spending.