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Making the Most of American Express Blue Cash Everyday

May 6, 2016
Cash Back Credit Cards, Credit Cards
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Owning the Blue Cash Everyday® Card from American Express is one thing. Getting the most value out of it is another thing entirely.

To get the most cash back, you need to know where to use it. The Blue Cash Everyday® Card from American Express offers bonus cash back at U.S. supermarkets, U.S. gas stations and select U.S. department stores and 1% back everywhere else. With an annual fee of $0, there’s no cost to carrying it, so if you prefer, you can save it for places where you get the bonus and use a higher-paying flat-rate card for other purchases. Here are our tips for making the card work harder for you.

Use it at the supermarket

The Blue Cash Everyday® Card from American Express earns 3% cash back at U.S. supermarkets on up to $6,000 a year, and 1% after that. That rate makes it a great choice if you’re looking to get some money back from your weekly trip for groceries. If you don’t think you’re likely to buy $6,000 worth of groceries in a year, you don’t have to leave the bonus cash back on the table. Many supermarkets also sell gift cards to a wide variety of retail establishments. Buy gift cards, use them yourself and expand that 3% rate to purchases other than just milk, bread and peanut butter.

Is the Blue Cash Preferred® Card from American Express better for you?

If you spend more than $61 a week at the grocery store, consider upgrading to the Blue Cash Preferred® Card from American Express. It has a $95. It offers higher cash-back rates, including 6% at U.S. supermarkets. See our comparison of the two here.

Use it at gas stations and department stores

Offering an 2% at U.S. gas stations and select U.S. department stores, this card is a great candidate for commuters and general consumers alike. So next time you’re at the pump, remember to swipe with your  Blue Cash Everyday® Card from American Express if you want to earn 2% back.

Spend enough to get the sign-up bonus

The Blue Cash Everyday® Card from American Express comes with a sign-up bonus, but you need to meet spending requirements to get it: $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply.

If you hit the spending threshold — which shouldn’t be too hard if you remember to use the card — you’ll start off your relationship with the Blue Cash Everyday® Card from American Express with a nice chunk of cash.

How to redeem rewards on the Blue Cash Everyday® Card from American Express

The reward dollars on the Blue Cash Everyday® Card from American Express can be redeemed directly as a statement credit, making them just about as good as cash. Simply log into your American Express account and click “Use Reward Dollars” to apply the credits toward your statement. Reward dollars must be redeemed in increments of $25, with a $25 minimum.

Kevin Cash is a staff writer at NerdWallet, a personal finance website. Email: kcash@nerdwallet.com. Twitter: @kevin_cash.