American Express® Blue Cash Everyday®

Pros

✅ No annual fee

✅ 3% cash back on U.S. supermarkets, gas stations, and online retail purchases (up to $6,000 per category annually, then 1%)

✅ Access to Amex Offers

✅ Generous intro APR on purchases and balance transfers

✅ Unique U.S. online retail shopping rewards category

✅ More time to meet welcome bonus spend requirement than competitors

Cons

❌ Spending cap of $6,000 per category annually for elevated rewards (then 1%)

❌ Foreign transaction fee makes it unsuitable for international use

❌ Welcome offer spend requirement is higher than many competitor cards

❌ Limited redemption options compared to other cash back cards

❌ Wholesale clubs, superstores (e.g., Walmart, Target), and online groceries are excluded from U.S. supermarket bonus rewards