Three of the categories most households actually spend in, U.S. supermarkets, U.S. gas stations, and U.S. online retail, all earn 3% back on a card with no annual fee, which is what lands the Blue Cash Everyday at #6 on our Best Cash Back list. Each of those categories carries its own $6,000 annual cap and drops to 1% after that, so the strong rate covers roughly the first $500 a month of spending in each and no more. The $200 bonus after $2,000 in six months is an easy hurdle, and 15 months of 0% intro APR on purchases and on balance transfers requested within 60 days buys real breathing room before the 19.49% to 28.49% regular rate starts. The up to $7 monthly credit for Disney+, Hulu, or ESPN+ is worth $84 a year but only if you enroll. One genuine limitation: this card charges foreign transaction fees, so leave it home when you travel 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 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.
Based on 5 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.