American Express Blue Cash Everyday
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on American Express. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it saves on a typical balance
Someone moving a $5,000 balance at 24%, paid down $250 a month. Figures as of October 2, 2026, the day the terms were last verified.
The American Express Blue Cash Everyday avoids $554 of interest against a transfer fee of $150, so moving the balance saves $404. At $250 a month, $3,650 is still owed when the 6-month window ends, and that part goes back to the card’s regular rate. The 0% rate applies only to balances moved within 60 days of opening. For this balance, set against the 5 0% interest cards we’ve confirmed, its estimate would place last.
Among the 5 0% interest cards we’ve confirmed, its 6-month window is the shortest and its 3% fee is the lowest, shared. On a $2,500 balance at the same rate and payment it saves $163, and $1,075 is left when the window ends. On a $10,000 balance at the same rate and payment it saves $885, and $8,800 is left when the window ends.
It sits out of our best-of rankings and comparisons until we can pin one number, because Amex's 0% window runs 6 to 18 months.
Who it fits
It fits if
- You want a low transfer fee: 3% of the balance moved, the lowest among the 0% cards we check.
- You have a large purchase coming too: 0% on purchases for 6 months.
Look elsewhere if
- Your balance needs more than 6 months to clear: what is left then goes back to the card’s regular rate.
- You cannot move the balance within 60 days of opening.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; Amex does not publish a score).
- Amex's 0% window runs 6 to 18 monthsAmex sets the 0% window on purchases and transfers at 6 to 18 months, based on your credit and other factors, and some applicants get no intro offer. The math above counts the shortest, 6 months, so a longer window makes the card worth more to you than shown.
- A third 3% category is not countedAmex also pays 3% on U.S. online retail purchases, up to $6,000 a year. The questions do not ask about online shopping, so that money is real but invisible here, and the number above is a floor.
- The issuer’s terms governRates, fees and bonus conditions are set by American Express and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from American Express’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 7 of the figures it watches here were still printed there. How we check
What people ask about it
What happens when the 0% window ends?
Whatever is still owed goes to the card’s regular rate. On a $5,000 balance at 24%, paid down $250 a month, $3,650 is still owed when the 6 months end.
Is there a minimum transfer fee?
Yes: 3% of each transfer, and at least $5.
Does the 0% rate cover new purchases?
Yes, for 6 months.
Where the rankings stand
The American Express Blue Cash Everyday sits out of these until we can pin one number, because Amex's 0% window runs 6 to 18 months.
- Best card for a 0% balance transferCiti Diamond Preferred first, at $1,233 saved.
More cards like this
- Yearly fee $0U.S. Bank Shield VisaU.S. Bank · for moving a balance, 21 months at 0% and a 5% fee
- Yearly fee $0BankAmericardBank of America · for moving a balance, 21 months at 0% and a 5% fee
- Yearly fee $0Citi SimplicityCiti · for moving a balance, 18 months at 0% and a 3% fee
The three 0% interest cards beside this one on our list of every card. See every card