Amex EveryDay Credit Card


The Amex EveryDay Credit Card is a good rewards card for people who make many purchases per month, spending a lot on groceries in the process. It offers points for purchases, as well as a bonus for using the card more each month.

Cardholders earn 2X points per dollar at U.S. supermarkets, on up to $6,000 in purchases per year, then 1X point. 1X point is provided for all other purchases. You can also get a 20% point bonus whenever you make 20 or more purchases in a single billing period.

You can get the most value for your points by transferring them to a travel partner, where you may find as much as 2 cents per point or more. That would give you a cash back equivalent of 4% when earning at the 2X rate.

This card has an introductory APR of 0% for 15 months for both purchases and balance transfers. After that, you’ll get a regular rate of 14.99%–25.99% Variable.

There’s an upgraded version of this card as well, the Amex EveryDay® Preferred Credit Card. See how they compare in our Review of the Amex EveryDay Cards.

Card Quick Facts

Card Quick Facts

  • Earn 15,000 Membership Rewards points by spending $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your card in a billing period and get a 20% point bonus on those purchases less returns and credits. Terms and limitations apply.
  • 2X points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1X); 1X point on other purchases. Terms and limitations apply.
  • 0% intro APR on purchases and balance transfers for 12 months, then a regular rate of 14.99%–25.99% Variable, based on your creditworthiness and other factors.
  • No balance transfer fee
  • No annual fee.
  • Terms and limitations apply.

Manage My Card

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Card Details

Rewards

Rewards

  • 2X Membership Rewards points for every $1 spent:
    • At U.S. supermarkets, on up to $6,000 per year in purchases (then 1X)
    • On eligible travel purchases from Amex Travel
  • 1X Membership Rewards point for every $1 spent on all other purchases
  • Earn 20% more points: Make 20 or more purchases in a billing period to receive a 20% point bonus on those purchases
How to Redeem

Introductory Bonus

  • 15,000 Membership Rewards points for spending $1,000 on purchases within the first 3 months
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.99%–25.99% Variable
Intro Purchase APR 0% for 15 months
Foreign Transaction Fee 2.7%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 29.99% Variable
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months, for transfers made within 60 days
Regular Balance Transfer APR 14.99%–25.99% Variable
Balance Transfer Fee $0
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Amex Offers

    Get significant discounts at a wide variety of retailers, both online and in-store.

  • Lowest Hotel Rates Guaranteed

    If you book an eligible prepaid hotel room through Amex Travel and then find the same room being advertised online for a lower price, you can be refunded for the difference.

  • Entertainment Access

    Exclusive discounts to events, concerts, sporting events, and shows.

  • Complimentary ShopRunner Membership

    Cardholders can enroll in ShopRunner for free, which provides free two-day shipping at participating retailers.

  • American Express Personal Loans

    Cardholders have the opportunity to apply for a loan through American Express (but only if they have been pre-approved).

  • Fraud Protection

    You won’t be held responsible for fraudulent charges with your card. Contact the card issuer if you suspect any unauthorized activity.

  • Dispute Resolution

    Provides help with fraudulent transactions, including negotiating with retailers.

  • Extended Warranty

    For eligible warranties of five years or less you can get up to two extra years added to the original manufacturer’s warranty.

  • Purchase Protection

    Eligible items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.

  • Return Protection

    If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1,000 per year for each account.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. You pay for all third-party service costs.

  • Car Rental Loss and Damage Insurance

    Eligible stolen or damaged rental vehicles are covered if you use your card to pay and reserve the rental, and you decline the rental company’s insurance. Provides secondary coverage only, not liability coverage.

  • Global Assist Hotline

    When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.

  • Travel Accident Insurance

    Provides coverage if death or dismemberment is caused when traveling by common carrier.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by Matt
Offer Sounds Good, But.....

I received a 0% APR offer on balance transfers with this new card, along with $0 balance transfer fees. Sounded great. Couple of issues, though. First, the online functionality of the balance transfer process does not work. You have to talk to the voice prompt system and provide it with lots of identifying information, then also a customer service agent who will ask you the same identification questions again (and then some). Second, my overall limit is $1000.00, which means my balance transfer limit is $750.00. Third, and most infuriating of all, that balance transfer limit is a one-time thing! Meaning if you transfer $500.00 of your $750.00 balance transfer limit to the card and then pay that off entirely, you do not have $750.00 in balance transfer availability once again. You only have $250.00! I've scoured the fine print and can't find anything on that little caveat anywhere. The balance transfer offer was the primary reason I got this card. Between the pitiful limit they gave me, and now this eliminating limit feature, I'm within an inch of just canceling the card! Ugh.

by Sheri
Approved and can transfer remaining Amex credit available to up limmit and transfer

I already have two other American Express cards you can have a total of 6 American Express cards or so depending on your need for instance if you fly a lot or eat out a lot or travel a lot American Express has a card for a particular person's needs. Amex will allow you to have up to six cards or so and I have to already with about 10,000 combined available credit and when American Express approved me for 2,800 on this card today, I knew already I could transfer my remaining my combined 10,000 avaiylabke credit in part or whole to this new 2,800.00 card with no fees but of course I'm not going to do that. I want to do a balance transfer of about 3,000 and I don't want to have my other two cards go up way high so I'll figure out how to do it since there's no balance transfer fee using each card, Blue Cash and Carry Magnet. I can still hold out doing a balance transfer from for instance Discover card who's promotion ends right at the end of the year which will be about 60 days and 60 days is the timestamp you have to do a balance transfer on this card upon opening. I think that's fantastic to have no balance transfer fee that's just wonderful! I was really surprised I got a credit card with any limit on it since I'm using a lot of my credit right now but they are all sitting at 0% interest and going to be paid down significantly upon the sale of my home in the next 6 months and willl have enough equity cash to me to bring down my credit cards within 10% utilization. Right now my credit report says I'm using 20% utilization but what they don't know is they are all 0% interest and all the Loan offers I keep getting about how I should pay off all my credit cards have an interest! If you have a plan such as I do to pay off your house and only have a car payment and your credit cards down to 10% utilization and doing all this on Social Security it actually does work. It's not a game you're playing it's a consumer taking advantage of the specials they're offering. If you just keep your utilization under control you know when to pull the cord right before you actually have to make a move and use that credit to your benefit not for your stupid things like a high-end TVs or cell phone or whatever is so temporary, rather to use it for like moving and paying movers to move your household and when you get to where you're going your house is going to be paid for out of the equity of my house. Anyway I think American Express is great! They may not have all the bells and whistles like cash over the amount like some credit cards allow they do allow you to have 6 credit cards with quite a bit of credit on them which brings your credit rating quite up there and your utilization goes down.

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