Amex EveryDay® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- American Express
- Intro purchase APR
- 0% for 15 months from account opening date
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.
Our review of the Amex EveryDay® Credit Card
The Amex EveryDay® Credit Card is a top choice for those looking for a no-frills rewards credit card with no annual fee. With a strong focus on earning points for your next holiday, this American Express card is perfect for those with good or excellent credit scores.
Intro APR Benefits
New accounts with the Amex EveryDay credit card can take advantage of a 0% introductory APR on all purchases for the first 15 months on purchases and balance transfers. Keep in mind that balance transfers must be made within the first 60 days of account opening.
Welcome Offer
New accounts can earn a welcome offer of 10,000 Membership Rewards® points after spending $1,000 in purchases within the first three months. With its focus on daily purchases, reaching the $1,000 threshold should be easy.
How to Earn Points
Cardholders can earn rewards on purchases in the following ways:
- 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, making it a flexible rewards program.
How to Redeem Points
Points earned with the Amex EveryDay Card can be redeemed through the American Express Membership Rewards program. Points can be used for travel, merchandise, gift cards, and even transferred to participating airline and hotel loyalty programs for added value.
American Express Card Benefits
American Express provides cardholders with a range of benefits including:
- Vehicle Rental Loss and Damage Insurance
- Purchase Protection
- Fraud Protection
- 24/7 Customer Service
- Free 2-Day Shipping
- Entertainment Access®
Comparison
| Card | Rewards | Intro APR | Annual Fee | Network |
|---|---|---|---|---|
| Blue Cash Everyday® Card | Earn 3% back at US supermarkets, online retailers, and gas stations up to $6,000 per year plus 1% back on all other purchases | 15 months on purchases and balance transfers | None | Amex |
| Amex EveryDay® Card | Earn 2X at US supermarkets up to $6,000, plus 1X on all other purchases | 15 months on purchases and balance transfers | None | Amex |
| Citi® Double Cash Card | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases | 18 months on balance transfers | None | Mastercard |
EveryDay Comparison
| Card | EveryDay Credit Card | EveryDay Preferred Credit Card |
|---|---|---|
| Rewards | 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 stands out for its ability to earn 2X points at U.S. supermarkets, the 0% introductory APR, and the flexibility of the Membership Rewards® program. These features make it appealing to a wide range of consumers, from frequent travelers to everyday shoppers.
Things to Consider
One limitation of the EveryDay Card is its limited acceptance abroad and foreign transaction fee. While American Express has improved its international acceptance, it may not be as widely accepted outside the U.S. Additionally, the 2.7% foreign transaction fee can add up for frequent travelers.
Should You Apply for the Amex EveryDay® Credit Card?
Overall, the Amex EveryDay Credit Card is a great value for those looking for a rewards card with no annual fee. While it may not offer as much value as the EveryDay Preferred Credit Card, it still provides strong rewards for supermarket purchases and other eligible spending. Consider this card if you want to earn rewards while paying down a balance or if you’re looking for a flexible travel card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
Who this card may suit
- 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
Rates, fees and terms
| Annual Fee | None |
|---|---|
| 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 |
| Foreign Transaction Fee | 2.7% of the transaction amount in U.S. dollars |
| Penalty APR | 29.99% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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