Verdict · Updated April 2026
Blue Cash Everyday Card from American Express for First Credit Card
The Blue Cash Everyday Card from American Express isn't optimized for first credit card — ranked #36 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #36 of 4724th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
Blue Cash Everyday Card from American Express
American Express · No annual fee
Amex's no-annual-fee cashback card earns 3% in three powerful everyday categories — supermarkets, online retail, and gas. The online retail 3% is especially valuable as more spending moves online. Disney Bundle credit ($84/year) partially offsets the lack of fee, making this an excellent companion card.
Full card review
Earn math — First Credit Card profile
Based on typical first credit card spending of $9,720/year across the categories below.
Annual rewards
$145
Annual fee
$0
Net value
$145
Easy approvalZero feeSimple rewardsReports to all 3 bureaus
Where the Blue Cash Everyday Card from American Express wins for first credit card
- Zero annual fee — no fixed cost to worry about
Where it falls short
- Typically requires good credit — may deny thin-file applicants
Top 3 alternatives for first credit card
Cards that rank higher than or close to the Blue Cash Everyday Card from American Express on our first credit card scoring model.
How the Blue Cash Everyday Card from American Express performs for other use cases
Frequently asked questions
Is the Blue Cash Everyday Card from American Express a good card for first credit card?⌄
The Blue Cash Everyday Card from American Express isn't optimized for first credit card — ranked #36 of 47 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the Blue Cash Everyday Card from American Express on first credit card spending?⌄
At the typical first credit card spending profile of $9,720/year, this card earns approximately $145 in rewards — net $145 after the $0 annual fee.
What are better alternatives to the Blue Cash Everyday Card from American Express for first credit card?⌄
Our top 3 alternatives are Chase Freedom Rise, Bank of America Travel Rewards for Students, Discover it Student Cash Back. Each ranks higher on our use-case scoring model for first credit card.
What credit score do I need for the Blue Cash Everyday Card from American Express?⌄
The Blue Cash Everyday Card from American Express typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the Blue Cash Everyday Card from American Express's annual fee worth it for this use case?⌄
The Blue Cash Everyday Card from American Express has no annual fee — there's no breakeven to clear, so any rewards earned on first credit card spending are pure profit.
Want the full card review?
See rewards, fees, and all perks of the Blue Cash Everyday Card from American Express