Is the Amex Blue Cash Everyday worth it in 2026?

Keep it+$464 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.0¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus20,000 pts × 1.0¢: +$200
Recurring credits (if fully used): +$264
Annual fee: —
Year-one value: +$464
Ongoing (year 2+, no bonus)credits − fee: +$264

Recurring credits

Disney Bundle Credit$84/yr
Home Chef Credit$180/yr

Apply for the Amex Blue Cash Everyday

The application happens on American Express's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for Amex Blue Cash EverydayiOS app coming soon

Advertiser disclosure: PointsCraft may earn a commission when you apply for cards through links on this site. We only feature cards we believe are useful, and editorial decisions are made independently. See our methodology for how we evaluate cards.

FAQ

Is the Amex Blue Cash Everyday worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.0¢ — adjust both in the calculator for your own situation.

Should I cancel my Amex Blue Cash Everyday?

Probably not on the numbers alone — the recurring credits ($264/yr) already cover the $0 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.