Cash back · American Express · No annual fee
Last verified 2026-09-09. Review issuer source
American Express Blue Cash Everyday is a no-annual-fee cash back card from American Express. Its best everyday rates are 3% on gas stations, 3% on grocery stores, and 3% on online shopping; everything else earns 1%. Gas stations is capped at $6,000 a year, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $462, an effective 1.9% back. The welcome bonus, $200 after $2,000 in 6 months, is the strongest reason to open it in a given year.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down. It charges 2.7% on foreign purchases, so leave it home when you travel abroad.
Cap: $6,000 per annual
Earn 3% cash back on gas at U.S. gas stations, on up to $6,000 per calendar year in purchases (then 1%)
Cap: $6,000 per annual
Earn 3% cash back at U.S. supermarkets on eligible purchases, on up to $6,000 per calendar year in purchases, (then 1%)
Cap: $6,000 per annual
Earn 3% cash back on U.S. online retail purchases, on up to $6,000 per calendar year in purchases (then 1%)
Earn $200 back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred Card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites.
Choose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.
Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Lose your wallet? Need a medical referral? Global Assist Hotline is there to help with coordination and assistance services when you are traveling 100 or more miles from home. Global Assist Hotline can even help you prepare for your trip with customs information and more. Card Members are responsible for the costs charged by third-party service providers.
Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.
Get free 2-day shipping* on eligible items at a growing network of 100+ online stores with ShopRunner. Enroll in complimentary membership as a benefit of your eligible Card.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Blue Cash Everyday®This card · 3% on gas stations | None | $462 | +$462 | 299th of 1,291 |
| American Express® GoldAmerican Express's most-held other card · 4x on dining | $325 | $594 | +$269 | 547th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
