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Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. SHARE: vlada_maestro/Getty Images September 29, 2022 Checkmark Bankrate logo How is this page expert verified? At Bankrate, we take the accuracy of our content seriously. "Expert verified" means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. Their reviews hold us accountable for publishing high-quality and trustworthy content. Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter." Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Bankrate logo The Bankrate promise
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Amex EveryDay Credit Card Amex Blue Cash Everyday Card Welcome bonus 10,000 Membership Rewards points after spending $1,000 on purchases within the first 3 months Earn up to $250. Earn 20% back (up to $150 in statement credits) on purchases with PayPal merchants. Plus, earn $100 as a statement credit after you spend $2,000. Complete both in the first 6 months of card membership. Rewards rate 2X points at U.S. supermarkets (up to $6,000 per year, then 1X) 2X points on prepaid rental cars booked through American Express Travel 1X points on all other purchases Note: Use your card 20 or more times on purchases in a billing period and earn 20% more points on those purchases 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases in each category (then 1%) 1% back on other purchases Annual fee $0 $0 Amex EveryDay card vs Blue Cash Everyday card highlights
Both cards offer similar perks and benefits, but there are subtle differences that could make either card better for one type of spender over the other. Below, we’ll dissect the finer points of both cards’ offerings so you can figure out which one suits your spending habits better. Welcome bonus winner Blue Cash Everyday Card
The Amex EveryDay card offers 10,000 Membership Rewards points if you spend $1,000 on purchases within the first three months of opening your account. These points can be worth anywhere from $50 up to $100, depending on how you choose to redeem them. Unlike many rewards cards that offer a 1:1 redemption value (1 cent per point), these points tend to lose value with many redemption options — except for travel, where points could be worth up to 2.1 cents per point if you transfer to an , according to . In contrast, the Blue Cash Everyday Card offers up to $250. Earn 20% back (up to $150 in statement credits) on purchases with PayPal merchants. Plus, earn $100 as a statement credit after you spend $2,000. Complete both in the first 6 months of card membership. Rewards rate winner Blue Cash Everyday Card
The biggest difference between the Blue Cash Everyday and Amex EveryDay is that the Blue Cash card earns cash back (in the form of statement credits), while the Amex EveryDay earns Membership Rewards points. Though some might see Membership Rewards points as more valuable, the Blue Cash Everyday Card still wins when you stack up rewards earnings side by side: The Amex Blue Cash has a rewards rate of 3 percent cash back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent), whereas the Amex EveryDay has a rate of 2X back on U.S. supermarket purchases (up to $6,000 per year, then 1 percent). Though both have a $6,000 cap on supermarket spending, you’ll end up better off with 3 percent cash back. That 3 percent is pure cash back at a 1:1 ratio, while points earned with the Amex EveryDay can have much lower redemption values. Plus, the Blue Cash card includes 3 percent cash back at U.S. gas stations and on U.S. online retail purchases (on up to $6,000 per calendar year in purchases in each category, then 1 percent). Even though the Blue Cash Everyday wins for rewards, it’s important to note that the Amex EveryDay card offers cardholders the opportunity to earn boosted rewards. If you use your card 20 or more times on purchases in a billing period, you’ll earn 20 percent more points on those purchases (less with returns and credits). With this structure, you could end up earning more than 2X on your purchases. Which card earns more rewards
To determine your rewards potential for either card, it’s best to look at a spending example. Of course, you should adjust the dollar amounts to match your particular spending habits. Amex EveryDay vs Blue Cash Everyday spending example
American Express Membership Rewards points can be worth anywhere from 0.5 cents to 2.1 cents per point, and they’re redeemable for travel, gift cards, shopping and more. If you spend $1,500 every quarter in the Amex EveryDay 2X rewards category, you’d earn 12,000 points at the end of your first year. Spending an additional $300 each month in the 1X rewards category would add 3,600 points, bringing your total to 15,600 points. When you add in the welcome bonus of 10,000 Membership Rewards points, you’d earn a total of 25,600 points at the end of your first year, worth up to $256 in gift cards. As for the Blue Cash Everyday, if you spend $1,500 every quarter in just one 3 percent cash back category, you’d earn $180. If you spend an additional $300 a month one of the two other 3 percent categories, you’d earn another $108. Finally, if you spend $100 a month in the 1 percent category, you’d earn $12, bringing your total to $300 in cash back for the year. With the cash back welcome bonus of up to $250, you’ll earn up to $550 in cash back at the end of your first year. Earn up to $250. Earn 20% back (up to $150 in statement credits) on purchases with PayPal merchants. Plus, earn $100 as a statement credit after you spend $2,000. Complete both in the first 6 months of card membership. Why should you get the Amex EveryDay Credit Card
This card doesn’t offer the best option for earning or redeeming rewards — there are much better rewards credit cards out there that can offer you more. But if you’re looking for a travel credit card for beginners, this card could introduce you to both travel cards and the Amex family of credit cards. However, you’ll pay a 2.7 percent foreign transaction fee for each transaction you make outside of the U.S. It should also be noted that this card currently doesn’t accept balance transfers. Additional Amex EveryDay card benefits
A few extra benefits offered by the Amex EveryDay include: 0 percent introductory APR on purchases for 15 months (15.24 percent to 26.24 percent variable APR thereafter) Access to Complimentary ShopRunner membership Car rental loss and damage insurance Purchase protection Redemption options for points
There are multiple redemption options for your points, including: Statement credits Gift cards Amex’s Pay with Points (select merchants, terms apply) Booking or upgrading select travel Transfer points to Amex travel partners Shopping with Membership Rewards points at partner merchants Remember that you’ll get the most value when you redeem points through the or partner travel programs, which are valued at 2.1 cents each on average. Amex EveryDay Credit Card credit score requirement
This card requires a good-to-excellent credit score for the best approval odds. This means your FICO credit score should be between 670 and 850, but you’ll have a better chance of approval if your score is 700 or more. Why should you get the Amex Blue Cash Everyday Card
The Blue Cash Everyday Card is a solid cash back card. It not only has a better rewards structure than the Amex EveryDay, but there are also more bonus categories where you can earn a higher cash back rate. Plus, the cash back rewards are simpler than a points system. One downside is that you can’t earn points on this card for boosted redemption values on travel. There’s also a 2.7 percent foreign transaction fee for all purchases abroad. But if you don’t travel much and you’re not looking to transfer high-interest debt, these won’t be cons for you. Additional Amex Blue Cash Everyday benefits
Additional that you might find useful include: 0 percent introductory APR on purchases and balance transfers for 15 months (16.99 percent to 27.99 percent variable APR after) Access to Amex Pay It Plan It Complimentary ShopRunner membership Car rental loss and damage insurance Purchase protection Redemption options for cash back
The Blue Cash Everyday card earns reward dollars, which you can redeem for cash back in the form of a statement credit. You can also redeem cash for gift cards or merchandise. Amex Blue Cash Everyday credit score requirement
This card also requires a good or excellent credit score (between 670 and 850). As with the Amex EveryDay, you’ll have a better chance of approval for the Blue Cash Everyday if your score is 700 or more. The bottom line
Both the and can help you to earn rewards on purchases you make at U.S. supermarkets. But if earning rewards at U.S. gas stations and on U.S. online retail purchases is important to you as well, the . However, if you’re eyeing travel rewards, the Amex EveryDay card may be the better option. Either way, choose the credit card that matches up with your spending habits and financial objectives. This approach will help you to maximize your chosen card’s value. All information about The Amex EveryDay Credit Card has been collected independently by Bankrate.com. The issuer did not provide the content, nor is it responsible for its accuracy. SHARE: Aja McClanahan is an author, blogger and speaker on personal finance and entrepreneurship. Aja is the author of "How a Mother Should Talk About Money with Her Daughter." Claire Dickey is a product editor for Bankrate, and . Before joining Bankrate, Claire worked as a copywriter for brands within the telecommunications industry as well as a hybrid marketing and content writer. Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to Related Articles