Blue Cash Everyday® Card from American Express

American Express · annual fee $0

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• 3% U.S. supermarkets (up to $6,000/yr, then 1%)
• 3% U.S. gas stations (up to $6,000/yr, then 1%)
• 3% U.S. online retail (up to $6,000/yr, then 1%)
• 1% Everything else

Statement credits, at their advertised value

• Disney Streaming Credit, up to $84 a year

Advertised total $84 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

Foreign transaction fee: 2.7%

Purchase APR: 19.49%-28.49%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/amex-blue-cash-everyday.