Cards
Cash BackAmExNo Annual Fee
Blue Cash EveryDay
Key facts
Annual feeNo annual fee
Rewards currencyAmEx "Cashback"
Recommended creditFair – Good (670+)
Current sign-up bonus
Up to $200 cash back after spending $2,000 in the first 6 months (offer varies by applicant)
Reward rates
3% US Online Retail(up to $6,000/year)
3% at US Supermarkets(up to $6,000/year)
3% US Gas Stations(up to $6,000/year)
1% on everything else
Annual credits
Disney Bundle$84
Home Chef (both enrollment-required)$180
Effective annual costPays for itself
Purchase protections
Extended Warranty
Covered. Extended Warranty adds up to 1 additional year to the original manufacturer's warranty on eligible purchases with warranties of 5 years or less.
Purchase Protection
Covered. Purchase Protection covers eligible purchases against theft or accidental damage for 90 days from the purchase date. Up to $1,000 per covered purchase, up to $50,000 per eligible card per calendar year.
Other benefits
Annual Credits
Home Chef Credit: up to $180, resets Monthly.
Authorized User Fee
$0. Additional cardholders can be added at no annual fee.
Foreign Transaction Fee
2.7% foreign transaction fee on purchases made outside the U.S.
Secondary Rental Car
Covered (secondary). Complimentary secondary Car Rental Loss and Damage Insurance covers damage or theft of rental vehicles. Coverage is secondary to personal auto insurance in the U.S.; primary when renting internationally. Must decline rental company's CDW and charge full rental to the card.
Primary Rental Car
None domestic. Rental car coverage is secondary in the U.S.
Welcome Bonus
Typically $200 statement credit after spending $2,000 on purchases within the first 6 months of account opening (exact offer varies; check current offer at time of application).
Earn Rates
3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%); 3% cash back on U.S. online retail purchases (up to $6,000 per year, then 1%); 3% cash back at U.S. gas stations (up to $6,000 per year, then 1%); 1% cash back on all other eligible purchases. Cash back received as Reward Dollars redeemable as a statement credit.
Best for
Online ShoppingGroceriesGas
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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