What Are the Benifits of Amex Blue Card
20 Reasons to Have the American Express Blue Cash Everyday Card
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.
The Blue Cash Everyday® Card from American Express is a great option for those who want to earn cash rewards on everyday items instead of points and miles, like credit cards with travel rewards. The Blue Cash Everyday card comes with the ability to earn 3% cash back on U.S. supermarket purchases, up to $6,000 per year (you'll earn 1% after hitting the $6,000 spend).You can also earn 2% cash back at U.S. gas stations and at select U.S. department stores. Other purchases earn 1% cash back.
Cash back is received in the form of Reward Dollars that can be redeemed for statement credits. These are essentials just about every household buys – so for that reason, we think this card is good for nearly everyone.
Tip: If you would like to earn more cash back, like 6% on groceries, check out the Blue Cash Preferred® Card from American Express.
Learn more: Cash Back Credit Cards
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Editor's Note: Some of the offers below may have expired or are no longer available on our site.
The Blue Cash Everyday Card From American Express
The cash back that you receive from these purchases with the Blue Cash Everyday® Card from American Express, one of the best cash back credit card options available, is given back to you in the form of Reward Dollars that can be redeemed as a statement credit. So while you're not given hard cash – you can use your Rewards Dollars or statement credits to help pay for your everyday purchases, or maybe a bigger item – like a new computer.
Cardholders can also enjoy $0 plan fees when using Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Welcome Bonus
Another great feature of the Blue Cash Everyday® Card from American Express is that you might be able to earn the welcome offer.
The welcome bonus is the ability to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
You will receive cash back in the form of statement credits.
This no annual fee card (See Rates & Fees) comes with a myriad of AmEx member benefits like purchase protection, accidental damage protection, return protection, and even roadside assistance hotline. But, we'll get into all of these benefits later on.
Learn more: Cash Back Credit Cards
The Basics: Blue Cash Everyday® Card from American Express Review
Card provider: American Express
Cash back system: 3% cash back on U.S. supermarkets (up to $6,000 per year in purchases – then 1%), 2% cash back at U.S. gas stations, 2% cash back at select U.S. department stores, 1% cash back on other purchases (terms and limitations apply)
How the cash back system works
The main feature of the American Express Blue Cash Everyday rewards card is that depending on how much you spend in each category, you're going to get a percentage of that back that you can put towards your next bill.
Like we mentioned above, you earn this cash back – or Rewards Dollars as American Express likes to call it – by getting:
- 3% cash back on U.S. supermarket purchases (up to $6,000 per year in purchases – then 1%)
- 2% cash back on U.S. gas station purchases
- 2% cash back on select U.S. department store purchases
- 1% cash back on other purchases (terms and limitations apply)
But there's more to it than that, so let's dive into each category for a closer look.
3% cash back on U.S. supermarket purchases
Every time you purchase items at the grocery store – everything from the essentials like bread and eggs to those indulgent little cookies – AmEx will give you 3% cash back on your total purchase (up to $6,000 per year in purchases, after that 1%).
So by just going grocery shopping tonight and spending $50 on groceries, you'll earn a total of 1.5 Rewards Dollars. And of course, the Rewards Dollars pile up the more you spend. So if you're feeding a big family and spending $200 a week – you're going to earn your Rewards Dollars quicker. By the way – $200 a week is $6 reward dollars for purchases you were already going to make. Nice!
Some eligible supermarkets approved by American Express include:
- ALDI
- FreshDirect
- Gelson's
- Hy-Vee
- Kings Food Markets
- Meijer
- ShopRite
- Smart & Final
- Stop & Shop
- Trader Joe's
- Vons
- Whole Foods
- Winn-Dixie
AmEx notes that this is not a complete list, and also says merchants, where you WILL NOT earn 3% on your purchase, include: convenience stores, specialty stores (like wine shops or fish markets), superstores, and warehouse clubs like Amazon, Target, Walmart, BJ's. You can find more info on the American Express website.
2% cash back on U.S. gas station purchases
Just about every household spends money on gas. Whether you're commuting, or driving kids around town – all that gas adds up. So with your Blue Cash Everyday card from American Express, you can take advantage of this essential spending by earning cash back.
American Express has approved the following gas stations (this is not a complete list):
- Gulf
- Murphy USA
- Murphy Express
- Exxon
- Mobil
- Hess
- Shell
It's important to note here that like the eligible supermarkets, you cannot earn additional rewards, in this case, 2% cash back, if the gas station is also a convenience store or part of a supermarket or warehouse club like Walmart or Sam's Club.
2% cash back at select U.S. department stores
Now, this is a great feature! We all know clothing and other items bought at department stores can be necessities, such as kitchen appliances or back to school clothes. But sometimes you just want to splurge a little too, and that's okay. It's great actually – because American Express is going to give you 2% cash back on your purchases from the following popular stores:
- Bealls
- Belk
- Bloomingdale's
- Bon Ton Stores
- Boscov's
- Century 21 Department Stores
- Dillard's
- J.C. Penney (JCP)
- Kohl's
- Lord & Taylor
- Macy's
- Neiman Marcus
- Nordstrom
- Saks Fifth Avenue
- Sears
- Stein Mart
All your purchases do have to be made in the U.S. to qualify.
1% cash back on all other purchases
Last but not least, if the rest of your purchases don't fall under the categories above, you can still earn cash back.
American Express will give you 1% cash back on all your other qualifying purchases. So if you've got to spend a little extra this month and buy a new lawnmower that's going to set you back $500 – that's going to earn you an extra 5 Rewards Dollars you can put back towards your bill to pay for essentials like groceries and gas.
Learn more: Cash Back Credit Cards
20 Reasons to Have the Blue Cash Everyday from American Express
1. No annual fee (See rates and fees)
When you get approved for the Blue Cash Everyday® Card from American Express, you don't have to pay an annual fee to American Express. This is a great feature to the card because of some cash back cards hefty annual fees.
By forgoing the annual fee, American Express allows their Blue Cash Everyday card users to focus on how they can put more money back in their pockets.
2. Uses a cash back system
The Blue Cash Everyday credit card uses a cash back system that gives you money to use towards your Blue Cash balance. You receive this cash back by spending money on your AmEx Blue Cash Everyday credit card on eligible purchases. T he total number of reward dollars you receive is based on a percentage of the dollar amount of your eligible purchases during each billing period.
You can then redeem your cash back in what American Express calls Reward Dollars in increments of 25. So for each billing cycle, you can use up to 25 Reward Dollars towards your balance. Nice!
3. Get 3% cash back on U.S. supermarket purchases
What's great about this card is that you're earning rewards for spending money on essentials – things you were going to buy anyway. So every time you go to the grocery store and buy your weekly bread and eggs, AmEx will give you 3% cash back on your total purchase (up to $6,000 per year in purchases, after that 1%).
That means if you go to an eligible supermarket tonight and spend $50 on groceries, you'll earn 1.5 Reward Dollars – just for buying things you need.
The numbers are even better if you're spending more, like if you've got a big family to buy for. So if you spend $200 for the week at the supermarket, that's 6 Rewards Dollars.
AmEx notes that this is not a complete list, and also says merchants, where you can NOT earn 3% on your purchase, include: convenience stores, specialty stores (like wine shops or fish markets) superstores, and warehouse clubs like Amazon, Target, Walmart, BJ's.
4. Earn 2% cash back on U.S. gas station purchases
Another awesome cash back feature on the American Express Blue Cash Everyday card is that you'll get 2% cash back when you make purchases at U.S. gas stations. That means every time you fill up at your local gas station, or while traveling the country, you're earning Rewards Points that can help fill up your next tank.
Let's do the math on this one: if it costs $45 to fill up your tank every week, you're going to earn nearly 4 Rewards Dollars a month. That's a great way to earn cash back for something you have to buy every week anyway – score!
It's important to note here that like the eligible supermarkets, you cannot earn additional rewards, in this case, 2% cash back, if the gas station is also a convenience store or part of a supermarket, warehouse club like Walmart or Sam's Club.
5. Get 2% cash back on certain U.S. department stores
OK, you can get rewarded for splurging a little bit with the Blue Cash Everyday® Card from American Express too. While back to school clothes might be essential, those (stunning) new shoes might not be. Nonetheless, if you make purchases at any of the AmEx approved department stores you will get 2% cash back. And remember, all your purchases have to be made in the U.S. to qualify.
6. 1% cash back on everything else
Finally – if the rest of your purchases don't fall under the categories above, you can still earn cash back. American Express will give you 1% cash back on all your other qualifying purchases. So if you've got to splurge and buy a computer this month for $1,500 you're going to earn 15 Rewards Dollars. Pretty good for something you were going to buy anyway – and you can use those rewards to pay for other essentials you'll charge to the card, like groceries or gas.
7. Earn a bonus for Amazon
New cardholders can earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
8. The welcome bonus
The welcome bonus is the ability to earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
9. Mobile accessibility and management
You can easily keep track of your spending, your bill's due date, and your Rewards Dollars by using the AmEx mobile app.
10. Access to Destination Family Benefits
By using the Blue Cash Everyday card you have access to the AmEx Destination Family Benefits. Through this platform, associated agencies and participating travel providers can offer travel bookings you can book on your Amex Blue Cash Everyday credit card.
All deals vary depending on the agency or partner ( Abercrombie & Kent, Royal Caribbean International, Regent Seven Seas Cruises, Tauck World Discovery, and Travel Impressions) and are offered for a limited time – so if you see something you want, grab it.
11. Access to exclusive entertainment offered to Amex customers
You might be able to snag tickets to a hot concert, event, or game thanks to your Entertainment Access with American Express. During specific time frames, and in certain cities, they will put tickets up for sale which you can purchase with your Blue Cash Everyday card. This is a great feature for those who like to go out for entertainment, as you could snag a great deal.
12. Global assist hotline
American Express offers their Blue Cash Everyday® Card from American Express card users access to their Global Assist Hotline which can help you prepare for your trip with specific customs information and destination guides. Plus, when you travel more than 100 miles from home, the Global Assist Hotline can help you if you need to replace your passport, translation services, missing luggage assistance, and emergency legal and medical referrals. It's a great feature to know that you have someone who can help you out if you need it – and they're only a phone call away.
13. Lowest hotel rates guaranteed
If you book a prepaid hotel rate through amextravel.com with your Blue Cash Everyday card and later on find the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, American Express refund you the difference.
That's a great bit of assurance if you're booking a trip and want to know you're getting the best deal possible. Just be sure to make the claim before the cancellation fee would be set in stone for the hotel you originally booked, and you should be good to get a refund from AmEx.
14. Return protection
If you buy something with your Blue Cash Everyday card and you want to return it, American Express provides return protection for up to 90 days from purchase and up to $300 per item. It's valid for up to a maximum of $1,00 per cardmember account per calendar year. You hope you don't have to use such services, but it's great to know that American Express provides these protections for the customers who purchase with their card.
15. Roadside assistance hotline
With your Blue Cash Everyday card, you have access to the American Express Roadside Assistance Hotline – which works 24/7 to send you a tow operator, locksmith, or to assist in an emergency situation.
Now, while the hotline is free – you will have to pay for any of the above services. But it's good to know that if something does go wrong with your card, you have someone to call and help you out anytime. That's a big relief, and a great feature.
16. Access to Shoprunner
By having a Blue Cash Everyday credit card you are eligible to enroll for Shoprunner – which lets you shop at over 140 stores, get free 2-day shipping, free returns, and express checkout when you use your Blue Cash Everyday card. Plus, you get access to personalized and exclusive savings and deals from the stores you love.
Just a few of the stories included in Shoprunner include Ray-Ban, Saks Fifth Avenue, GNC, Calvin Klein, Bergdorf Goodman, and American Eagle Outfitters.
17. Travel accident insurance
If something happens while traveling, and you booked your ticket on a plane, train, bus, or ship with your Blue Cash Everyday rewards credit card – American Express will provide you with travel accident insurance.
18. Purchase protection
If you purchase something with your Blue Cash Everyday® Card from American Express and something is wrong with it, or it was stolen within 90 days of purchase – American Express will refund you for that item. American Express will cover the expense charged to your account up to $1,000 per incident, and up to $50,000 per calendar year.
Bad things happen all the time – whether something is stolen or just breaks. So this is a great feature to have as Blue Cash Everyday card holder to protect your purchases from the unknown.
19. Fraud protection
If someone steals your credit card, or credit card information and uses it to purchase things you never authorized – American Express won't hold you responsible for those fraudulent charges. In fact, they'll work with you to resolve the issue – so no need to stress!
20. Extended warranty
American Express will give you access to extended warranties – for example, they'll add an additional year of warranty if the original manufacturer's warranty is between one year and five years. If the original manufacturer's warranty is less than a year – American Express will match it.
So, by just using your Blue Cash Everyday card to buy your items you can get an extended warranty on your purchases – very nice!
Learn more: Cash Back Credit Cards
Redeeming your Rewards Dollars
After you've raked in your Rewards Dollars at 3%, 2% and 1% on your eligible purchases – it's time to put those dollars to good use.
Your Rewards Dollars will accrue to your account based on how much you spend in each category: eg. 3% on U.S. grocery store purchases. You can then use those Rewards Dollars in increments of 25 to pay off part of your monthly Blue Cash balance. That means the money you spent that month on essentials is going right back towards paying for other essentials – that's a great way to save you and your family some cash.
The Math Behind the Blue Cash Everyday from American Express
In order to fully understand the Blue Cash Everyday® Card from American Express, it's important to understand the number behind your cash rewards, Rewards Dollars, and welcome bonus. Here, we're going to break it all down for you, so it's easy to understand the earning and redemption potential of the Blue Cash card. Let's get started!
Numbers behind the Rewards Dollars: 3% cash back on U.S. supermarket purchases
That covers up to $6,000 in U.S. supermarket purchases, which totals 180 rewards dollars. That means after you spend $6,000 at a supermarket that year, you'll start earning just 1% on those purchases.
For a household that spends around a $100 a week on grocery store purchases, that's not much of a problem because the $6,000 limit will take them about a year to hit. But for a family that's spending more than that – like $200 a week on groceries – it'll take less than a year before they've hit the limit and their grocery store purchases get knocked down to 1%.
2% cash back on U.S. gas station purchases
When you make purchases at U.S. gas stations you'll earn 2% cash back. So, if it costs $45 to fill up your tank every week, you're going to earn nearly 4 Rewards Dollars a month.
And if you're commuting, or schlepping kids back and forth all day and spending closer to $100 a week on gas that means you're going to be earning 8 Rewards Dollars every month. Pretty good!
2% cash back at select U.S. department store purchases
When you make purchases at the approved department stores, you'll get 2% cash back. That's great for both those essential purchases – like new shoes for the kids who are growing too fast, and new shoes just because you like them!
1% cash back on other purchases
If the rest of your purchases don't fall under the categories above, you can still earn cash back. American Express will give you 1% cash back on all your other qualifying purchases. So if you're buying a computer this month for $1,500, you're going to earn 15 Rewards Dollars. Pretty good for something you were going to buy anyway. You can use those rewards to pay for other essentials you'll charge to the card, like groceries or gas.
Learn more: Cash Back Credit Cards
Summary
Yes, we already gave you 20 reasons to have the Blue Cash Everyday® Card from American Express, but we can't just leave it at that. We think that this is a great credit card to have if you're looking for a way to earn cash back rewards on your everyday purchases.
By providing customers with up to 3 percent cash back on purchases, this card is great for someone living on their own, or a family. We all buy groceries, and a large percentage of us have cars we need to fill up. For that reason, this is a great credit card for your everyday purchases.
But we also love how American Express allows their Blue Cash customers to earn more on other purchases too, like giving them 2 percent cash back on certain department store purchases and 1 percent on everything else eligible. That means you can still earn Rewards Dollars when you're not buying essentials. That sounds pretty great to us.
Learn more: Cash Back Credit Cards
Additional Perks
On top of that, by having a Blue Cash Everyday card you get access to the awesome benefits provided by American Express. It's not all travel insurance and purchase protection either (which is great too). They also give you access to exclusive tickets to local entertainment, the lowest hotel rate guarantees, and access to their Shoprunner platform which amongst many things provides free 2-day shipping (enrollment required).
Overall, the math behind this card is great too. You don't have to spend an unreasonable amount of money to get the 25 Rewards Dollars a month you're allowed to put towards your bill. If you put a lot of your purchases on there a month, totaling up above $1,000, you're guaranteed to get a good amount of Rewards Dollars that you can put back towards your purchases. For that alone, we love this card.
All in all, the Blue Cash Everyday card gets 4 stars in our book for the rewards system, access to great benefits, and math that adds up to good deals.
Learn more: Cash Back Credit Cards
Frequently Asked Questions
What kind of rewards can you earn with the American Express Blue Cash Everyday card?
The Blue Cash Everyday credit card uses a cash back system that gives you money to use towards your Blue Cash balance. You receive this cash back by spending money on your AmEx Blue Cash credit card on eligible purchases. T he total number of reward dollars you receive is based on a percentage of the dollar amount of your eligible purchases during each billing period. You can use a maximum of 25 Rewards Dollars a month towards your bill.
How does the cash back system work for the American Express Blue Cash Everyday credit card?
With the American Express Blue Cash credit card you'll earn:
- 3 percent cash back on U.S. supermarket purchases (on up to $6,000 spent annually, then 1%)
- 2 percent cash back on U.S. gas station purchases
- 2 percent on certain U.S. department store purchases
- 1 percent cash back on everything else that is eligible
Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.
What U.S. supermarkets can you earn American Express Blue Cash Rewards Dollars from?
Some examples AmEx gives for eligible supermarkets include Gristedes, Foodtown, Meijer, Pathmark, Shoprite, Stop & Shop, Vons, Whole Foods, Winn-Dixie, and online supermarkets such as FreshDirect.
Are there U.S. supermarkets that are excluded from earning Amex Rewards Dollars?
This is not a complete list. Merchants, where you CANNOT earn 3% on your purchase, include convenience stores, specialty stores (like wine shops or fish markets) superstores, and warehouse clubs like Amazon, Target, Walmart, BJ's.
What U.S. gas stations can I earn 2% cash back at?
Some U.S. gas stations included are Gulf, Murphy USA, Murphy Express, ExxonMobil, Hess, and Shell. Like the eligible supermarkets, you cannot earn additional rewards, in this case, 2% cash back, if the gas station is also a convenience store or part of a supermarket or warehouse club like Walmart or Sam's Club.
Are there U.S. gas stations that are excluded from earning 2% cash back?
Just like the eligible supermarkets, you cannot earn 2% cash back rewards if the gas station is also a convenience store, part of a supermarket, or a warehouse club like Walmart or Sam's Club.
What if someone steals my Blue Cash Everyday American Express credit card?
If someone steals your credit card, or credit card information and uses it to purchase things you never authorized – American Express won't hold you responsible for those fraudulent charges.
Do I get access to the American Express Shoprunner platform with the Blue Cash Everyday card?
By having a Blue Cash credit card you are eligible to sign up for Shoprunner – which lets you shop at over 140 stores, get free 2-day shipping, free returns, and express checkout when you use your Blue Cash card. Plus, you get access to personalized and exclusive savings and deals from the stores you love. Enrollment required. Terms apply.
Learn more: Cash Back Credit Cards
Does American Express have an app I can use on my phone?
Yes! You can easily keep track of your spending, your bill's due date, and your Rewards Dollars by using the AmEx mobile app.
Is return protection available when I purchase items on my Blue Cash Everyday card?
Yes. If you buy something with your Blue Cash Everyday card and you want to return it, American Express provides return protection for up to 90 days from purchase and up to $300 per item. This protection is valid for up to a maximum of $1,00 per cardmember account per calendar year.
Is there any sort of purchase protection when I buy something with my Blue Cash Everyday card?
If you purchase something with your Blue Cash Everyday card and something is wrong with it or it was stolen within 90 days of purchase, American Express will refund you for that item. American Express will cover the expense charged to your account up to $1,000 per incident, and up to $50,000 per calendar year. This is subject to terms and conditions.
Does American Express provide an extended warranty for items I purchase on my Blue Cash Everyday card?
American Express will give you access to extended warranties. For example, they'll add an additional year of warranty if the original manufacturer's warranty is between one year and five years. If the original manufacturer's warranty is less than a year, American Express will match it. Terms apply.
Some credit cards provide travel insurance and roadside assistance. Is that the case for a Blue Cash Everyday card with American express?
Yes to both! With your Blue Cash Everyday Card, you have access to the American Express Roadside Assistance Hotline. This hotline works 24/7 to send you a tow operator, locksmith, or to assist in an emergency situation. Note: you do have to pay for these services yourself.
American Express also provides travel insurance if you booked the plane, train, ship, or bus with your Blue Cash card.
Where can I get the American Express information on rates, fees, and other cost information?
Click the link below to learn more about the Blue Cash Everyday Card from American Express.
Learn more: Cash Back Credit Cards
Related Articles:
- The Best Limited-Time Credit Card Offers
- Best Metal Credit Cards (Reliable, Durable, Sleek, and Secure)
- How Hard Is It To Get the American Express Platinum Card?
For rates and fees of the Blue Cash Everyday® Card from American Express, click here.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Source: https://www.johnnyjet.com/american-express-blue-cash-everyday-card/
0 Response to "What Are the Benifits of Amex Blue Card"
Post a Comment