Are you thinking about applying for the American Express Blue Cash Everyday card? Show
The minimum recommended credit score for this credit card is 685. However, there have been reports of approvals with a score as low as 630.  How to Increase Your Chances of Getting Approved for the Amex Blue Cash Everyday Credit CardGetting approved for a credit card requires a little planning. Most credit card offers require very good credit. So, when applying for new credit, it’s essential to know your credit scores and what’s on your credit reports. Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. You’ll also want to make sure you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved. Need help improving your credit score?One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:
They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone. So if you’re struggling with bad credit and want to increase the likelihood of getting approved for new credit, give them a call at (800) 220-0084 for a free credit consultation. Earning rateThe rewards program from the Blue from American Express® is simple, especially compared to many points rewards cards. In most cases, you’ll Earn 1 Membership Rewards® point for every eligible dollar you spend. You can double your earnings if you use your Blue from American Express® to book travel through Amextravel.com. The Blue from American Express® doesn’t offer a comparable bonus on other purchases. But if you use your card regularly, you should still be able to collect a fair number of points. Charging $600 a month to your card, for example, will leave you with at least 7,200 points after one year. Depending on how you redeem your points, that’s worth anywhere from $36 to $72 or more in rewards purchases. The two-point bonus on Amextravel.com purchases can also add up. For example, the American Express travel portal allows you to book flights, hotels, rental cars and cruises. So if you were to spend $1,000 on airfare for two passengers, $300 on three nights of lodging and another $200 on a car rental, you’d collect at least 3,000 points — worth up to $30 or more –– just from that one three-night trip.
What are Membership Rewards points worth?Membership Rewards points are some of the best rewards currencies available, shining in both flexibility and value. However, not all redemption options are worth the same — we found a range between 0.5 cent to 2.2 cents (Note: To get the full value from your points, you'll need to pool your points with a premium Amex card, like the American Express® Green Card. Otherwise, points earned with the Blue from American Express® card are worth 1 cent at most.) {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"What\"\u003EWhat are Membership Rewards points worth?\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How Much Are Amex Points Worth? A Value Analysis\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-comprehensive-guide\"\u003EMembership Rewards points\u003C\/a\u003E\u003C\/span\u003E are some of the best rewards currencies available, shining in both flexibility and value. However, not all redemption options are worth the same \u2014 we found a range between 0.5 cent to 2.2 cents (Note: To get the full value from your points, you'll need to pool your points with a premium Amex card, like the American Express\u00ae Green Card. Otherwise, points earned with the Blue from American Express\u00ae card are worth 1 cent at most.)\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} Redeeming pointsMembership Rewards are an exceptionally valuable and flexible rewards currency, with a huge variety of redemption options, including gift cards, travel and statement credits for everyday purchases. You can expect more spending power, though, when you use your points to book travel. For example, Membership Rewards points are worth 1 cent each if you book airfare through the American Express travel portal. You won’t get nearly as big a return on merchandise or gift cards. You can expect points redeemed for non-travel related purchases to be valued around 0.5 cent to 1 cent each. Unfortunately, cash back (i.e., statement credits) also has a low redemption value of 0.6 cent per point. In short, if you don't intend to redeem your points for flights, the Blue from American Express® card is probably not the most rewarding entry-level card. Membership Rewards points are even more valuable if you transfer your points to other travel loyalty programs. Point values vary widely, depending on the American Express travel partner. In general, though, ValuePenguin has found that transferred Membership Rewards points tend to be worth 2.2. cents each, on average. The Blue from American Express® card does not allow you to transfer points — you must own a premium Membership Rewards card, such as the American Express® Gold Card or American Express® Green Card to transfer points. However, you could potentially start collecting points with the Blue from American Express® Card and then open one of these premium cards once your credit improves to transfer all the points you've collected. {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"money icon\" class=\"ShortcodeImage--image lazyload\" style=\"width: 60px;\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_60\/v1\/static\/icons\/svg\/money\" srx=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_60\/v1\/static\/icons\/svg\/money\" srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_60\/v1\/static\/icons\/svg\/money 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_60\/v1\/static\/icons\/svg\/money 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EMembership Rewards points are even more valuable if you \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Transfer Partners: How to Get the Most out of Membership Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/amex-transfer-partners\"\u003Etransfer your points\u003C\/a\u003E\u003C\/span\u003E to other travel loyalty programs. Point values vary widely, depending on the American Express travel partner.\u003C\/p\u003E\n\n\u003Cp\u003EIn general, though, ValuePenguin has found that transferred Membership Rewards points tend to be worth 2.2. cents each, on average. The Blue from American Express\u00ae card does not allow you to transfer points \u2014 you must own a premium Membership Rewards card, such as the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The American Express\u00ae Gold Card: A Premier Card for Dining and Supermarket Shopping\" href=\"https:\/\/www.valuepenguin.com\/american-express-gold-card\"\u003EAmerican Express\u003Csup\u003E\u00ae\u003C\/sup\u003E Gold Card\u003C\/a\u003E\u003C\/span\u003E or \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Green Card: Premium Benefits and Features for Frequent Travelers\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-green-card\"\u003EAmerican Express\u00ae Green Card\u003C\/a\u003E\u003C\/span\u003E to transfer points. However, you could potentially start collecting points with the Blue from American Express\u00ae Card and then open one of these premium cards once your credit improves to transfer all the points you've collected.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
What credit score do you need to apply for the Blue from American Express® card?Blue from American Express® is an entry-level card for borrowers new to Membership Rewards, so it’s not as difficult to qualify for as other American Express cards. But this isn’t a card for applicants with poor credit scores: You’ll need a credit score of at least 0 to qualify. If you're worried about your approval odds, you can visit the Amex site to see if you prequalify. {"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003EWhat credit score do you need to apply for the Blue from American Express\u00ae card?\u003C\/h3\u003E\n\n\u003Cp\u003EBlue from American Express\u00ae is an entry-level card for borrowers new to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Membership Rewards: Your Guide to Earning and Redeeming Points for Max Value\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-guide-earning-redeeming\"\u003EMembership Rewards\u003C\/a\u003E\u003C\/span\u003E, so it\u2019s not as difficult to qualify for as other American Express cards. But this isn\u2019t a card for applicants with poor credit scores: You\u2019ll need a credit score of at least 0 to qualify. If you're worried about your approval odds, you can visit the Amex site to see if you prequalify.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"} Other benefitsThe Blue from American Express® card also offers a modest number of perks, including some benefits that are exclusive to American Express. Some of the most notable benefits Blue from American Express® cardholders can access include: When you pay the full balance for a car rental with your Blue from American Express® card and decline the car rental company’s optional insurance coverage, you’ll automatically qualify for up to $50,000 in car rental loss and damage insurance for up to 30 days. That should be more than enough to cover any damages you incur if you stick to renting a standard vehicle. Note, the coverage is secondary and kicks in after other insurance policies. Once you become an American Express member, you’ll also get access to presale concert and event tickets, including virtual experiences from leading performing arts centers and other venues. For example, some of the events American Express advertised at press time included:
If you do need to carry a balance and the Blue from American Express® ’s variable APR makes you nervous, you may be able to pay for some purchases with monthly installments and a fixed fee of up to 1.33% per purchase. Your purchase will need to be at least $100 or more, though, to qualify. How does the Blue from American Express® card compare to other cards?Comparing the Blue from American Express® card to most no-annual-fee American Express rewards cards is like comparing apples to oranges. This card is best for people who don’t have perfect credit and so don’t usually qualify for the most generous cards from American Express. But if you can get a hold of a higher-tier card, such as the The Amex EveryDay® Credit Card from American Express or the Blue Cash Everyday® Card from American Express, you’ll typically be better off. Here’s a closer look at some other cards you might consider. Blue from American Express® vs. Blue Cash Everyday® Card from American ExpressIf you’re purely interested in getting the most rewards per dollar spent, then you’ll almost certainly get more value from the Blue Cash Everyday® Card from American Express — assuming you can qualify for it. Unlike the Blue from American Express® card, the Blue Cash Everyday® Card from American Express offers a generous welcome offer and a significant amount of bonus cash for U.S. supermarket, department store and U.S. gas station purchases (in the form of statement credits). For example, you could earn up to $180 just from spending $500 a month on groceries. If you spent the same amount of money buying groceries with the Blue from American Express® , you’d earn just 6,000 Membership Rewards points. That, in turn, would be worth just $30 to $60 or so in value, depending on how you redeem your points. The Blue Cash Everyday® Card from American Express may not be for you, though, if you’re a frequent traveler who's trying to collect points that you can use with one or more American Express travel partners. In that case, the Blue from American Express® may be a better fit for you. Or, if you can qualify for it, the American Everyday card or another American Express points card may be a better choice. For rates and fees of Blue Cash Everyday® Card from American Express, please click here. Blue from American Express® vs. the American Express® Green CardSimilar to the Blue from American Express® card, the American Express® Green Card is another humble legacy card that’s been around for years, but doesn’t get as much attention as other American Express cards. But unlike the Blue from American Express® card, the recently revamped American Express® Green Card charges a hefty $150 annual fee. The American Express® Green Card also differs from the Blue from American Express® card with its comparatively lucrative rewards program. For example, it offers a hearty welcome offer and generous rewards bonuses on restaurant meals (including takeout and delivery), travel and transit purchases. If you eat out often enough or purchase a lot of travel or public transit fare, you’ll rack up enough points with the American Express® Green Card to justify the annual fee. Blue from American Express® vs. Capital One Venture Rewards Credit CardDeciding between the Blue from American Express® card and the Capital One Venture Rewards Credit Card largely comes down to whether you can qualify for the Venture card and whether you want to pay an annual fee. Like other higher tier rewards cards, the marquee Capital One Venture Rewards Credit Card trumps the Blue from American Express® card in multiple ways. For example, it offers an exceptionally generous sign-up bonus and lets you earn unlimited 2 Miles per dollar on every purchase, every day; 5 Miles on hotels and rental cars booked through Capital One Travel; 5 Miles per dollar when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023. It also makes redeeming miles for travel easy by letting you charge any qualifying travel purchase you like and then "erase" it from your statement with a credit. Another benefit for travelers: It doesn't charge a foreign transaction fee. But, as mentioned, in addition to being harder to qualify for, it charges a hefty $95 annual fee. Also, the Capital One Venture Rewards Credit Card's point transfer program is not as robust as Membership Rewards. If you hold on to your points until you can upgrade to a better card, you may be able to get more value from the Blue from American Express® card. Overall, the Blue from American Express® card is a modest but solid option for cardholders who don’t yet have a high enough credit score to qualify for a more lucrative point rewards or travel card. It’s an especially good pick for consumers who want access to the Membership Rewards program from American Express and for frequent travelers who are enrolled in an airline or hotel loyalty program that partners with American Express. There are multiple airlines and hotel groups to choose from, but some of the domestic Amex travel partners include:
Cardholders with higher scores are better off choosing a more lucrative American Express card, though, such as the Blue Cash Everyday® Card from American Express or even the American Express® Green Card. Similarly, cardholders who don’t plan to travel may also want to look at other cards. The Capital One QuicksilverOne Cash Rewards Credit Card, for example, offers a higher redemption value for everyday purchases. Capital One also offers more robust options for cardholders who want to use their cards abroad or just want a simpler way to redeem points for travel. Is Blue from American Express® a good card?For an entry-level card that’s accessible to a wider range of borrowers, the Blue from American Express® card is an unusually strong contender. It doesn’t offer a ton of rewards points, but the Membership Rewards points that it does offer are uniquely valuable — particularly for cardholders who are enrolled in partner airline and hotel loyalty programs. The Blue from American Express® card’s terms are pricey, though, so look elsewhere if you have excellent credit or plan to carry a balance. Does Blue from American Express® charge foreign transaction fees?Yes, it charges a 2.7% of each transaction after conversion to US dollars. That’s lower than some cards charge. But this is still not a great card to use on foreign transactions since even the fee can quickly add up. Cards without foreign transaction fees, by contrast, are relatively plentiful — even for cardholders with lower scores. So if you plan to make a lot of foreign purchases, you’re better off using a different entry-level card. For example, Capital One offers a number of cards for borrowers with good or fair credit and none of them charge a foreign transaction fee. Is Blue from American Express® a credit card or a charge card?Blue from American Express® is a credit card with some unique features. Unlike a charge card, the Blue from American Express® allows you to carry over a balance instead of paying off your charges in full each month. However, unlike the typical credit card, this card has no preset spending limit (meaning your spending limit is flexible, and depends on factors such as your purchase, payment and credit history) and allows you to carry a balance for some purchases, but not others. Note that you’ll pay a hefty price for carrying a balance, since the Blue from American Express® charges a high APR. How do you apply for the Blue from American Express®?The simplest way to apply for the Blue from American Express® card is to visit the Blue from American Express® card’s application page on AmericanExpress.com and fill out an online application. You can also call customer service and ask for assistance with applying for a card. Is it hard to get a Blue from American Express® card?The Blue from American Express® card is easier to qualify for than other, more generous no-annual-fee American Express cards, such as the The Amex EveryDay® Credit Card from American Express and the Blue Cash Everyday® Card from American Express. But don’t expect to sail through your application if your credit score is still reeling from serious delinquencies or if you have a lot of other debt crowding your monthly income. You’ll need a credit score of at least 0 to qualify for the Blue from American Express® card. Is the Blue from American Express® made of metal?No. American Express generally reserves higher-end metal for premium rewards cards, such as The Platinum Card® from American Express . What is the credit limit for the Blue from American Express®?Your credit limit for the Blue from American Express® card will depend on your credit history and the answers you provide in your application. For example, American Express may consider your credit score, your total household income and other information you provide. But since this is an entry-level card for borrowers that are considered to be a higher risk than cardholders with excellent credit, your credit limit will likely be modest. The information related to Blue from American Express® and American Express® Green Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information. Is it hard to get Amex Blue Cash Everyday?Yes, the Blue Cash Everyday® Card from American Express it is hard to get because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Amex Blue Cash Everyday.
What credit score is needed for American Express Everyday card?To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.
What credit score is needed for Amex Blue Cash?Is the Amex Blue Cash Everyday hard to get? The Amex Blue Cash Everyday card is hard to get because applicants need to have a score of 670 or higher to be approved for the card. However, you'll have a better chance of being approved for the card if you have at least a very good FICO score (740 to 799).
Is AMEX everyday card easy to get?Clark Newton, WalletHub Credit Card Advisor
Your Amex EveryDay approval odds are decent, if you have a 700+ credit score. This means that you need at least good credit to have even a hope of qualifying. But the issuer will also take into account various other factors while considering your application.
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Credit score needed for american express blue cash everyday
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