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Amex EveryDay® Credit Card

Cory Santos

| Last updated on February 9th, 2024

Amex EveryDay® Credit Card

Amex EveryDay® Credit Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
American Express Processing Network
None Annual Fee

Amex EveryDay® Credit Card

  • 18.24% to 29.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 18.24 Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 15 months from account opening date Intro Purchase APR

At a Glance

A superb option for those with a good credit score and in search of the ideal balance transfer card, the Amex EveryDay® Credit Card features 2x points at U.S. supermarkets on up to $6,000 per year in purchases and 1X points on eligible dollars spent elsewhere. New cardholders can also earn 10,000 Membership Rewards® points after making just $1,000 in purchases within the first three months of their account opening.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 20% extra points when you make 20+ purchases in a billing period
  • 2X points per dollar spent at U.S. supermarkets (up to $6,000)
  • 1X points on every other eligible dollar spent
  • 0% intro APR on purchases for 15 months
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 18.24% to 29.24% variable based on creditworthiness and Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 18.24
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty APR: 29.99% variable based on the Prime Rate
  • Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want to earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases, an easy feat for families and foodies
  • You're likely to spend $1,000 within the first three months of the account opening in order to earn those 10,000 Membership Rewards® points bonus
  • You will make 20 or more purchases with your card in a billing period to earn 20% extra points on those purchases (minus returns and credits)
  • You don’t want to pay an annual fee
Amex EveryDay® Credit Card

Amex EveryDay® Credit Card

Rates & Fees

In-Depth Review: Amex EveryDay® Credit Card 

The Amex EveryDay® Credit Card is a no-frills rewards credit card that can help you earn points towards your next holiday with no annual fee.


American Express credit cards are geared toward applicants with a strong credit history. Applicants need a good or excellent credit score to apply for the card.

Intro APR Benefit

New accounts with the Amex EveryDay credit card also enjoy 0% introductory APR on all purchases for the first 15 months on purchases and balance transfers. Keep in mind that American Express only lets new accounts transfer balances made in the first 60 days of account opening.

Earning Rewards

Welcome Offer

New accounts enjoy a welcome offer of 10,000 Membership Rewards® points after making $1,000 in purchases in the first three months. As this is an easy daily credit card for all purchases – hence its name – it should be easy to reach the $1,000 threshold in three months.

How to Earn Points

The Amex EveryDay® Credit Card offers a decent rewards program that allows you to earn and redeem points for various benefits. Cardholders earn the following rewards on purchases:

  • 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X)
  • 1X points on all other purchases with the card

There is no cap on the number of points you can earn.

How to Redeem Points

As mentioned, the Amex EveryDay Card earns points in the  American Express Membership Rewards program. With this program, you earn points for every eligible purchase you make using the card. These points can be redeemed for travel, merchandise, gift cards, and more. Additionally, you have the option to transfer your points to participating airline and hotel loyalty programs, giving you even more options for maximizing their value.

American Express Transfer Partners

AeroMexico (Club Premier) Avianca (LifeMiles) Emirates (Skywards)
Air Canada (Aeroplan) British Airways (Executive Club) Etihad (Guest)
Aer Lingus (AerClub) Cathay Pacific (Asia Miles) Air France/KLM (Flying Blue)
All Nippon Airways (ANA Miles) Delta Air Lines (SkyMiles) Hawaiian Airlines (HawaiianMiles)
Iberia Plus Choice Privileges Hilton Honors
Marriott Bonvoy JetBlue (TrueBlue) Marriott Bonvoy
Marriott Bonvoy Virgin Atlantic (Flying Club)

American Express Card Benefits

American Express provides cardholders with a wide range of valuable protections and benefits designed to enhance their experience and provide peace of mind. From travel benefits to shopping and entertainment perks, American Express offers its card members diverse advantages.

Travel Benefits and Protections

American Express cardholders enjoy a comprehensive suite of travel benefits, including:

  • Vehicle Rental Loss and Damage Insurance: Provides coverage for theft or damage to a rental car when the rental is paid with an eligible American Express Card.
  • Purchase Protection: Offers coverage for eligible purchases that are stolen or accidentally damaged, such as a dropped smartphone.

Security Protections and Benefits

Here are some of the security protections and benefits offered by American Express:

  • Fraud Protection: American Express provides robust fraud protection to safeguard cardholders against unauthorized transactions.
  • 24/7 Customer Service: Access round-the-clock customer service for card-related inquiries or assistance.

Shopping and Entertainment

For those who enjoy shopping and entertainment, the card provides the following perks:

  • Free 2-Day Shipping: Card members can enjoy free 2-day shipping through ShopRunner on all eligible purchases from a growing network of over 100 online retailers.
  • Entertainment Access®: Exclusive access to ticket pre-sales for popular concert tours and events and tickets to Broadway shows and sporting events in your area.


Blue Cash Everyday® Card Amex EveryDay® Card Citi® Double Cash Card
Rewards Earn 3% back at US supermarkets, online retailers, and gas stations up to $6,000 per year plus 1% back on all other purchases Earn 2X at US supermarkets up to $6,000, plus 1X on all other purchases Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro APR 15 months on purchases and balance transfers 15 months on purchases and balance transfers 18 months on balance transfers
Annual fee None None None
Network Amex Amex Mastercrd

EveryDay Comparison

EveryDay Credit Card EveryDay Preferred
Rewards rate Earn 2X points per $1 at supermarkets (up to $6,000) and 1X on all other purchases Earn 3X points per $1 at supermarkets (up to $6,000) and 1X on all other purchases
Best perk Earn 20% extra points when you make 20+ purchases in a billing period Earn 50% more points when you make 30+ purchases with your Card in a billing period
Annual fee No annual fee $95 annual fee

What We Like About the Card

The Amex EveryDay® Credit Card has numerous best features that set it apart from other credit cards. The ability to earn 2x points at U.S. supermarkets, the 0% introductory APR, and the flexibility of the Membership Rewards® program are all standout benefits. These features make the card appealing to many consumers, from frequent travelers to everyday shoppers.

Things to Consider

International Use

The biggest limitations of the EveryDay Card are the limited acceptance of Amex abroad and the addition of a foreign transaction fee. American Express has long suffered from limited acceptance in certain locations, particularly outside the United States. While American Express is widely accepted within the U.S., it may not be as readily accepted internationally, making the card less useful – although American Express has made great strides.

The card also charges a foreign transaction fee of 2.7% of the transaction in US dollars. Combined with the limited acceptance you have a one-two punch of travel troubles.

American Express Ratings

How does American Express rate as a bank and issuer? Here is a selection of ratings for the bank from consumers and experts:

Should You Apply for the Amex EveryDay® Credit Card?

For a card with no annual fee, the Amex EveryDay Credit Card is a great value. The card offers less value than the Amex EveryDay Preferred Credit Card, but that card also charges an annual fee of $95.The ability to earn double points for supermarket purchases will appeal to everybody – after all, we all eat – and 1 point per $1 spent on all other eligible purchases will sweeten the deal. That rate is on par, though slightly less impressive, than cards with the longest intro APR periods – namely the Citi Simplicity® Card and Citi® Diamond Preferred® Card. This card is the ideal travel card for anyone who is looking for a way to earn rewards while they pay down a previous balance.

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