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Amex Blue Cash Everyday: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 65.1% across 78 cards. Issuer page ↗

Downsides first

2.7% foreign transaction fee
APR up to 28.74% if you carry a balance
Penalty APR Prime + 26.74% (variable)
Late fee up to $40

Terms & fees

IssuerAmerican Express
Typecash back
Annual fee$0 americanexpress.com, 2026-10-11
Regular purchase APR19.74%–28.74% variable americanexpress.com, 2026-10-11
Rewards3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% other americanexpress.com, 2026-10-11
Sign-up bonus (≈$)$150 $150 after $2,000 in 6 months americanexpress.com, 2026-10-11
Intro APR18 months 0% intro APR up to 18 months on purchases and balance transfers (may be as short as 6) americanexpress.com, 2026-10-11
Foreign transaction fee2.7% americanexpress.com, 2026-10-11
Penalty APRPrime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee3% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.24%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

Complaints, last 12 months11,574
Trend▲ 14% (last 12 mo 11,574 vs prior 12 mo 10,155)
Timely response (last 36 mo)99.5%
Per $1B deposits (12 mo)67.47
Top issueIncorrect information on your report
Insurance statusFDIC-insured: American Express National Bank (cert 27471, active; deposits $171.6B as of 06/30/2026)

Company-level (AMERICAN EXPRESS COMPANY), all products, as of 2026-10-12. American Express complaints: full record → Shown for context; does not change the score.

Score breakdown

Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
Rewards rate 5.0/10Base 1% on everything, top category 3% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 3% U.S. supermarkets, U.S. online retail, U.S. gas (each up to $6k/yr); 1% other
Sign-up bonus 2.0/10Bonus ≈ $150: $150 after $2,000 in 6 months (as of 2026-10-11). Score = value/$75, max 10.
Intro 0% APR 8.6/100% intro APR up to 18 months on purchases and balance transfers (may be as short as 6) (as of 2026-10-11). Score = months/21×10.
Regular APR 7.0/1019.74%–28.74% variable (as of 2026-10-11); midpoint 24.24%. Score = (34 − midpoint)/1.4, 0–10.
Foreign transaction fee 3.0/102.7% foreign transaction fee (as of 2026-10-11).
Regulatory record (CFPB) 10.0/10Issuer American Express: Base 10, no actions in last 5 yrs found. Note: No CFPB enforcement action found in the last 5 years in our search

0.143×10.0 + 0.143×5.0 + 0.143×2.0 + 0.143×8.6 + 0.143×7.0 + 0.143×3.0 + 0.143×10.0 = 6.52 → 65.1%

Is Amex Blue Cash Everyday worth it? (break-even math) →Value for my spending →

Compare with

Amex Blue Cash Everyday vs Chase Freedom Unlimited · Amex Blue Cash Everyday vs Chase Freedom Flex · Amex Blue Cash Everyday vs Citi Double Cash · Amex Blue Cash Everyday vs Wells Fargo Active Cash · Amex Blue Cash Everyday vs Capital One Quicksilver · Amex Blue Cash Everyday vs Capital One Savor

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Amex Blue Cash Everyday annual fee?

What is the Amex Blue Cash Everyday APR?

19.74%–28.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.