Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more
Reward details
Current Offer
Our Rating
0% Intro
Annual Fee
APR
- 0% Intro APR
- No Annual Fee
- Spending Cap at Supermarkets
- Foreign Transaction Fee
Rates & Fees, Terms Apply
Rewards Plan
Welcome Bonus
Our Rating
PROS
- 0% Intro APR
- No Annual Fee
CONS
- Spending Cap at Supermarkets
- Foreign Transaction Fee
APR
18.24% - 28.24% Variable
Annual Fee
$0
0% Intro
15 months on purchases and balance transfers
Credit Requirements
Good – Excellent
The Amex EveryDay® Credit Card is a no annual fee card with modest rewards, making it a potential entry-level option for those interested in earning Membership Rewards points. It could be a suitable choice for those seeking a basic rewards card with a 0% APR offer, particularly if they plan to use it frequently for small transactions.
With the Amex EveryDay® card you 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases (Terms apply). This is not the best rewards rate in the market, but considering the $0 annual fee – it can be a great option if you're looking for no annual fee card.
In terms of welcome bonus, you are eligible for 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months. The Amex Everyday card offers 0% intro APR for 15 months on purchases and balance transfers from the date of account opening (then APR of 18.24% – 28.24% Variable will apply).
While the card's rewards potential is decent, it may not compete with higher-tier Amex cards or other premium options.
What is the balance transfer fee for this card?
The balance transfer fee is either 3% or $5, whichever is greater.
How does the 20% extra points feature work?
If you use the card 20 or more times on purchases in a billing period, you earn a 20% bonus on those purchases.
Can I redeem Membership Rewards points for travel?
Yes, Membership Rewards points can be redeemed for travel through the Amex Travel portal or transferred to travel partners.
Are there foreign transaction fees with this card?
Yes, the Amex EveryDay® Credit Card charges a 2.7% foreign transaction fee.
Is the Amex EveryDay® Credit Card suitable for high spenders or frequent travelers?
While it may not be the best fit for high spenders or frequent travelers, the card could be a good option for those seeking an entry-level rewards card with a 0% APR offer and a potential points boost.
All information about American Express Everyday® Card has been collected independently by The Smart Investor. American Express Everyday® Card is no longer available through The Smart Investor.
Pros & Cons
Let's explore the advantages and disadvantages of the Amex EveryDay Credit Card card to determine if it aligns with your wallet's preferences and needs.
Pros | Cons |
|---|---|
Rewards Plan
| Foreign Transaction Fee |
Welcome Bonus | Spending Cap at Supermarkets |
20% Bonus Potential | Limited Travel Benefits |
No Annual Fee | Balance Transfer Fee |
Membership Rewards | |
0% APR Intro on Purchases |
- Welcome Bonus
American Express Everyday Card has a welcome bonus that allows the cardholder to earn 10,000 points after you spend $1,000 in purchases on your new card within the first 3 months. Terms apply.
- Rewards Plan
American Express Everyday Card let you 2X points at U.S. supermarkets (up to $6,000 per year, then 1X), 2X points on prepaid rental cars booked through American Express Travel and 1X points on all other purchases
- No Annual Fee
With American Express Everyday Card you do not have a spending threshold to meet to offset an annual fee. You can start earning points immediately.
- 20% Bonus Potential
Users can earn a 20% bonus on points by making 20 or more purchases per billing period, providing an opportunity for increased rewards.
- Membership Rewards
Cardholders can earn Membership Rewards points, which can be valuable when redeemed for travel or other eligible charges.
- 0% APR Intro on Purchases
If you are looking to save money on interest, the American Express Everyday Card offers a 0% introductory rate for 15 months on purchases and balance transfers After that, the APR is 18.24% – 28.24% Variable
You can charge up the card and pay no interest for 15 months on purchases and balance transfers on your purchases. This is great if you have a big purchase in mind and want to pay over time.
There are cards that offer longer time frames, but American Express Everyday Card is one of the longer introductory rates in the market.
- Foreign Transaction Fee
American Express Everyday Card has a 2.7% fee for each transaction in another country. If you are traveling outside of the US, you may want to leave this card at home.
- Spending Cap at Supermarkets
The $6,000 annual spending cap on bonus points at U.S. supermarkets may limit potential rewards for high spenders in this category.
- Limited Travel Benefits
While the card offers some travel benefits, it lacks comprehensive travel perks often found in premium cards.
- Balance Transfer Fee
A balance transfer fee of 3% or $5, whichever is greater, applies, potentially impacting the cost-effectiveness of transferring balances.
Top Offers
Top Offers
Top Offers From Our Partners
Rewards Simulation: How Much You Can Earn?
The best way to see if the Everyday® Card is the right choice for your needs, is to calculate the amount of rewards and benefits you suppose to earn.
Keep in mind that this is a general breakdown of expenses, so make sure to adjust it to your own consumer preferences and spending habits.
| |
|---|---|
Spend Per Category | American Express Everyday® Card |
$15,000 – U.S Supermarkets | 21,000 points |
$5,000 – Restaurants
| 5,000 points |
$1,000 – Airline | 1,000 points |
$1,000 – Hotels | 1,000 points |
$4,000 – Gas | 4,000 points |
Total Points | 32,000 points |
Estimated Redemption Value | 0.6 – 1.6 cent |
Estimated Annual Value | $192 – $512 |
Editorial Note: Terms apply to American Express benefits and offers. Enrollments may be required for select benefits. Visit americanexpress.com to learn more
What Can I Do With My Points?
American Express strives to make it as simple as possible to redeem your card rewards. You can check your points balance at any time by logging into your account. You can also use the membership rewards website to learn about all of your available rewards.
In general, each point is worth up to $0.016, but this will vary depending on whether you choose merchandise, gift cards, entertainment options, or premium travel:
- Statement credit or direct deposit: There is no minimum for redeeming your rewards in this manner, and direct deposits are accepted by the majority of US checking and savings accounts.
- Amazon: When you link your card to your Amazon account, you can use your rewards to pay for all or part of eligible Amazon.com orders.
- Gift cards: Amex offers a wide range of gift card options, including those for dining, entertainment, and shopping.
- Travel benefits. You can use the American express membership platform to get low prices on travel products such as rental cars, hotel stays and flights.
After selecting your reward, you have two redemption options:
- Click on the reward: Once you've decided on a reward, click on it and follow the website's instructions to complete the redemption.
- Call: You can call American Express's toll-free number and an agent will walk you through the process.
Make the Best of Your Everyday Card
Here are some pointers to help you make the most of your Amex Everyday:
- Leverage Welcome Bonus: If you meet the introductory spend requirement, you'll receive a nice welcome bonus. As a result, make certain that you meet this spending requirement.
- Pay for your rental cars: You can use your credit card to reserve and pay for rental cars. This will provide additional insurance coverage against damage and theft. Other American Express cards are also excellent choices for rental car insurance cards.
- Visit American Express Experiences: If you enjoy attending concerts, sporting events, and shows, you should check out this platform for exclusive access to ticket presales.
How To Apply For Amex Everyday Card?
- 1.
Visit the American Express Everyday card homepage and click on “Apply Now.”
- 2.
Fill in your personal details on the next page and click “Next.”
- 3.
Now, fill in your street address, city, zip code, and choose your birth date, SSN, etc.
- 4.
The next step is your financial details – you’ll need to share some details about your income and more relevant info such as employment status and annual income.
- 5.
Next, read through the Terms and conditions and approve them.
There are other credit cards that do offer comparable cash back rewards – we’ve summarized the most popular cards which can use as an alternative to the American Express Everyday card:
How It Compared To Other Amex Basic Cards?
When compared to other basic cards like the Blue Cash Preferred® Card, the Amex EveryDay® stands out for its points-boosting potential and no annual fee, but lower rewards rate and fewer bonus categories.
The Blue Cash Everyday®, on the other hand, and also has no annual fee and emphasizes cash back, particularly with its 3% cash back at U.S. supermarkets. However, it lacks an access to the Amex membership program.
Naturally, the Amex EveryDay® Credit Card may not match the extensive perks of premium Amex cards like the Platinum Card® from American Express or the American Express Gold Card.
Is the Amex Everyday Card Right for You?
American Express Everyday Card offers average rewards and bonuses for cardholders. The biggest advantage of the American Express EveryDay card is the introductory rate of 0% APR with no transfer fee. Those who are wanting to pay down their credit card debt can open up an American Express EveryDay card and transfer their balance without a fee and help them pay down that debt.
For consumers looking for a strong rewards card there are other cards out there that offer better points or cashback rewards – but you’ll probably have to pay an annual fee. This card is good for consumers who spend on supermarkets and spend over $100 a week there.
Compare The Alternatives
There are more cards with premium travel benefits worth mentioning as alternatives to the Amex platinum card:
|
|
| |
|---|---|---|---|
Wells Fargo Active Cash℠ Card | Chase Freedom Unlimited® | Bank of America® Customized Cash Rewards credit card | |
Annual Fee | $0
| $0
| $0
|
Rewards |
2%
2% cash rewards on purchases (unlimited)
|
1.5% – 5%
5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
|
1% – 5%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
|
Welcome bonus |
$200
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months
|
$200
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
|
$200
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
|
Foreign Transaction Fee | 3%
| 3%
| 3%
|
Purchase APR | 20.24% to 29.99% variable APR
| 20.24%–28.99% variable
| 18.24% – 28.24% Variable APR will apply. A 3% fee (min $0) applies to all balance transfers
|
FAQ
Yes, you will get this insurance if you refuse the car rental company’s insurance coverage and you pay for the entire cost of the rental with this card. Please review the terms and conditions before to make sure you're covered.
You can get the 2X points on U.S. supermarkets until you have annual purchases in this area of $6,000. The rewards rate then goes to 1x. Otherwise, there are no restrictions.
The rewards points that you are earning through the Amex Blue Cash Everyday Card do not expire once you keep your account open and meet a few basic conditions.
If you are looking for a good all-around card that has some solid rewards and no annual fee then the Amex Blue Cash Everyday Card could be the ideal fit for you.
You might not have met some requirements. You can ask the customer support team where your application failed and seek a remedy to this situation.
You spend enough on the likes of U.S. Supermarkets which means you will benefit from the Amex Blue Cash Preferred Card (or other cash back cards) more than the Everyday card.
It is not very hard to get the Amex Blue Cash Everyday Card. All you need to do is meet the very basic requirements and you will be good to go.
Compare American Express Everyday Card
While both cards offer decent cash back rewards with no annual fee, there is a clear winner between the two. And here's why we think so.
American Express Everyday® Card vs Chase Freedom Unlimited: Which Card Is Best?
Cash back or Amex membership rewards? Annual fee with higher rewards or no annual fee? Here's our full analysis – which is better for you?
Amex Everyday Card vs Blue Cash Preferred Card from American Express: Which Card Is Best?
Top Offers
Top Offers
Top Offers From Our Partners
Review American Express Credit Cards
American Express Everyday
American Express Platinum Card
Delta SkyMiles Reserve
American Express Green Card
American Express Blue Cash Preferred
Delta SkyMiles Blue
American Express Gold Card
Delta SkyMiles Gold
Hilton Honors American Express
