Card economics
Amex Blue Cash Everyday
Annual fee
No annual fee
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Groceries — in store | 3%Up to $6,000/yr shared, then 1% |
| Groceries — online | 3%Up to $6,000/yr shared, then 1% |
| Whole Foods | 3%Up to $6,000/yr shared, then 1% |
| Online retail | 3%Up to $6,000/yr shared, then 1% |
| Amazon | 3%Up to $6,000/yr shared, then 1% |
| Gas stations (excluding Costco Gas) | 3%Up to $6,000/yr, then 1% |
| Everything else | 1%Base rate |
Spending caps
| Category | Bonus rate | Annual cap |
|---|---|---|
| Groceries — in store | 3% | $6,000/yrThen 1% |
| Groceries — online | 3% | $6,000/yrThen 1% |
| Whole Foods | 3% | $6,000/yrThen 1% |
| Online retail | 3% | $6,000/yrThen 1% |
| Amazon | 3% | $6,000/yrThen 1% |
| Gas stations (excluding Costco Gas) | 3% | $6,000/yrThen 1% |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Fee calculator
Sticker Fee
$0/yr
Credits
-$0
Effective Fee
$0
Credits & Benefits
Max: $84/yr ($7/mo) · monthly
$7/month back on a Disney Bundle subscription (Disney+, Hulu, ESPN+). Enrollment required.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Amex Blue Cash Everyday might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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