Who it's for
Cash backMore rewards at grocery storesNo annual fee
Amex Blue Cash Everyday
No-fee starter cashback for everyday spend with surprisingly strong $264/yr in stated credits ($84 Disney + $180 Home Chef). All three 3% categories cap at $6k/yr — adequate for individuals but the BCP is better for households spending more.
$1,072/yrest. value at typical spending
$0annual fee
$264yearly credits
−$264fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 1x | $400/mo |
| Groceries | 3x | $600/mo |
| Flights & hotels | 1x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 3x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 3x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 3% cash back at U.S. supermarkets (first $6,000/year, then 1%)
- 3% on U.S. online retail purchases (first $6,000/year, then 1%)
- 3% at U.S. gas stations (first $6,000/year, then 1%)
- 1% on everything else
- $84 Disney Bundle Streaming Credit — $7/mo at DisneyPlus.com, Hulu.com, or Stream.ESPN.com (enrollment required, no minimum spend)
- $180 Home Chef Credit — $15/mo on Home Chef meal kit subscription (enrollment required, subject to auto-renewal)
- $0 annual fee
- Cash back received as Reward Dollars: redeem as statement credit or at Amazon.com checkout
- Car rental loss/damage insurance, purchase protection
Head-to-head
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- Apple CardNo annual fee$630est. value/yr
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