| Last updated on February 9th, 2024
Amex EveryDay® Credit Card
Amex EveryDay® Credit Card
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
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.
Eligibility
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.
Comparison
| 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:
| BestCards | Better Business Bureau | TrustPilot |
|
3.5/5 |
2/5 |
1.5/5 |
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.
Browse Other Card Offers:
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.