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If you use credit cards frequently, the no annual fee Amex EveryDay Credit Card might be a good option. You’ll earn 2X points per dollar at U.S. supermarkets and on purchases from Amex Travel, and as a fairly unique twist, you’ll earn a 20% point bonus if you use it 20 times or more in a billing period.
The information related to Amex EveryDay® Credit Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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Introductory Bonus |
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A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | N/A |
Balance Transfer Fee | N/A |
Penalty APR | 29.24% Variable |
Late Fee | Up to $40 |
Returned Payment Fee | Up to $40 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 2.7% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 25.24% Variable |
Cash Advance Fee | 5%, $10 minimum |
American Express has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe 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 purchases. After that, you’ll get a regular rate of 12.99%–23.99% 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.