Are you looking for a credit card? I have been using American Express Blue Cash Everyday credit card for few months now and this is my review of the card.
To get the $200 referral bonus, use my referral link to signup for Amex Blue Cash Everyday credit card.
Without the referral you will only get $150 bonus. With referral, the bonus is $200 for you.
Who is American Express Blue Cash Everyday Card for?
As the name suggests, Blue Cash Everyday is an everyday use cash back credit card. Just like any Visa credit cards, it can be used to purchase anything anywhere. Hence a Blue Cash Everyday card is for just about anybody. But with credit cards, it is always good to have 2 or 3 cards (of different types) in the wallet and use each based on the rewards they can collect off of the purchase. I carry 3 credit cards and Amex BC everyday is one of them.
For instance, some cards give 3% cash back on grocery but they might only give 1% cash back on other items. In such cases, it is wiser to use the card that has higher rewards like cash back depending on the category of the purchase. No single credit card gives all the benefits (while still being free of annual fees), otherwise all of us would be using just that. Blue Cash Everyday card has no annual fee and has decent benefits.
What are the Amex Blue Cash Everyday benefits?
Amex Blue Cash Everyday credit card annual fee is zero dollars. Yes, $0. As soon as our card application is approved we get the CVV code and card number on the website and the physical card is sent via postal mail shortly. There never is any charge for the card or any renewal services. Note that the Blue Cash Preferred card has annual fee of $95 but the Blue Cash Everyday is free. This post is all about the Everyday card, which is what I have been using.
Blue Cash Everyday card has secondary travel insurance coverage. Think of all the money that can be saved using this card on car rentals like Enterprise and Zipcar. The user can simply waive the CDW or LDW at the rental counter and in case of incidents, Amex will cover the collision damage to the car. For those who do not have personal car insurance, the secondary coverage from Amex becomes their primary, which is even awesome!
Cash back while buying things using the Amex Blue Cash Everyday card.
You earn 3% cash back at U.S. supermarkets (excluding superstores and warehouse clubs) up to $6,000 per year. After the first $6,000 of purchases in a calendar year you will earn 1% cash back. You also get 2% at U.S. gas stations and select U.S. department stores with no spending cap. On all other eligible purchases, earn 1% with no spending cap. The cash back rewards can be redeemed as statement credits in increments of $25 or upwards, and can be used to pay the card off. Rewards can also be redeemed for gift cards, merchandise and travel.
$200 sign up bonus by using somebody’s referral link. American express blue cash everyday card new users get $200 bonus when they spend $1000 in their first 3 months since the day of card activation. The money is added on their card’s account as soon as the total expenses reach/cross $1000 mark. This referral bonus from Amex is certainly much higher than other cards.
Amex Blue Cash Referral Bonus – Free $200
Amex blue cash everyday credit history. On your Amex account dashboard, you can track your FICO score anytime. I like the user interface very much and just to see where I stand when the score is updated every month. Credit Score is important: 740+ is good, 800+ is overkill, anything in between is sweet!
Fees and APR
- Annual Fee: $0
- Purchase APR: 0% on purchases for 15 months, then 14.74%-25.74% Variable, based on creditworthiness.
- Balance Transfer APR: 0% on balance transfers for 15 months, then 14.74%-25.74% Variable, based on creditworthiness.
- Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.
- Late Payment Fee: Up to $38.
- Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
- APR for Cash Advances: 26.99% Variable
- Penalty APR: 29.99% Variable
- Returned Payment Fee: Up to $38
Amex Blue Cash Everyday Referral
As I mentioned on top of this post, you should use this referral link of mine to get $200 bonus when you sign up for the Blue Cash Everyday credit card. When you sign up directly from their website, you will only get $150. Using a referral will earn you $200 (an extra $50) and I also get a small compensation when someone uses my referral to sign up. I have been an Amex user for quite some time and am happy with their service. I believe you will like it as well therefore I’d gladly recommend the blue cash everyday card to anyone who is in the market searching for a credit card.
If you have any questions, suggestions or concerns about the Blue Cash Everyday credit card, let me know in the comments section below.