Amex Blue Cash Everyday
| Category | Rate |
|---|---|
| Everything else | 1% |
| Category | Bonus Rate | Annual Cap |
|---|---|---|
| Groceries - In-Store | 3% | $6,000/yr |
| Groceries - Online | 3% | $6,000/yr |
| Online Retail | 3% | $6,000/yr |
| Gas / EV | 3% | $6,000/yr |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Sticker Fee
$0/yr
Credits
-$0
Effective Fee
$0
Max: $84/yr ($7/mo) · monthly
$7/month back on a Disney Bundle subscription (Disney+, Hulu, ESPN+). Enrollment required.
Card terms verified Jul 11, 2026 against official issuer sources.
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Next step
One card is a start. The optimal setup is the whole wallet.
The Amex Blue Cash Everyday might be great on its own, but the best combination depends on your total spending. The optimizer evaluates every possible pairing to find the mathematically proven best setup.
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