For a card with no annual fee, the Blue Cash Everyday covers a lot of ordinary household ground: 3% back at U.S. supermarkets, U.S. gas stations, and U.S. online retail. Each of those categories carries its own $6,000 annual cap and drops to 1% after that, so the practical ceiling is about $180 back per category per year. The extras are real but modest, up to $7 a month in statement credits toward Disney+, Hulu, or ESPN+ if you enroll, plus purchase protection on eligible items. A 0% intro APR for 15 months on purchases and on balance transfers requested within 60 days makes it workable as a payoff card too, and the $200 bonus after $2,000 in six months is an easy target over that long a window. It sits at #7 on our Best Cash Back list and makes a sensible first cash-back card, though anyone spending more than about $500 a month at the supermarket will hit that cap well before year end.
Earn rates & credits
| Category | Rate |
|---|---|
Groceries U.S. supermarkets on first $6,000/yr, then 1% | 3% |
Gas U.S. gas stations on first $6,000/yr, then 1% | 3% |
Online Shopping U.S. online retail purchases on first $6,000/yr, then 1% | 3% |
Everything Else | 1% |
| Benefit | Value |
|---|---|
Disney Streaming Credit Up to $7 monthly statement credit for Disney+, Hulu, or ESPN+ subscription purchases | $84 /yr |
| Total annual credits | $84 |
Card details
Regular APR | 19.49%–28.49% variable |
Intro APR on purchases | 0% for 15 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Blue Cash EverydayBased on 2 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.