The American Express® Blue Cash Everyday® Card is a rewards card, which makes it harder to qualify. To become eligible, you need at least a good credit score (700+) and a steady annual income. Other qualifying factors include being over the age of 18 with a valid SSN or ITIN and a U.S. mailing address.

There is no predefined spending limit with the American Express® Blue Cash Everyday® Card. Your purchasing power is determined by financial aspects such as your income and overall creditworthiness. People with a higher income will likely have a bigger credit limit. If you are not satisfied with your initial spending limit, you can ask for an increase by contacting customer service.

While the American Express® Blue Cash Everyday® Card doesn’t charge an annual fee, there are other fees you should know about before applying. For cash advances, you’ll have to pay a 5% fee per transaction (minimum $10). For spending overseas, there’s a 2.7% foreign transaction fee. Finally, there’s also a max late fee up to $40.

New cardholders can enjoy a low intro APR of 0% for 15 months from the date of account opening. Once that period ends, a variable APR between 18.74%-29.74% applies.