The Blue Cash Everyday's strength is covering three common categories at once with no annual fee: 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases. That spread, plus a 0% intro APR on purchases for 18 months, makes it a solid no-fee pick for households that want one card for routine spending, and it ranks #5 on our Best Cash Back Credit Cards list. The catch is that each 3% category is capped at $6,000 a year before dropping to 1%, and everything outside those categories earns only 1%, so heavy grocery shoppers will outgrow it. The welcome offer is a modest $200 after $2,000 in spend within six months. The up to $7 monthly Disney streaming credit is a nice extra if you already subscribe, but the foreign transaction fee means it shouldn't travel with you abroad.
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 18 months |
Intro APR on balance transfers | 0% for 18 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.
Based on 9 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.