Review of the Amex EveryDay® Credit Cards

Brendan Harkness

Brendan Harkness | Reviews

Sep 16, 2015 | Updated Jun 27, 2016

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American Express offers this pair of unique cards: the Amex EveryDay® Credit Card and the Amex EveryDay® Preferred Credit Card.

What makes them different?

They’re literally meant to be used “everyday,” and they’ll reward you for doing so: if you make enough individual purchases per billing period you’ll earn a decent point bonus.

The EveryDay Preferred card is an upgraded version of the regular EveryDay card. The Preferred card comes with an annual fee, but for that you’ll also earn points at a higher rate and get a better bonus.

Read on to learn how they compare and how you can use them to save some cash on your most frequent purchases.

The American Express® Everyday Credit Card

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.24% to 22.24% *Variable
Quick Card Facts
  • Earn 10,000 Membership Reward® points after you use your new Card to make $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 20% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

American Express EveryDay® Preferred Credit Card

For People with
Excellent Credit

  • Annual Fee: $95
  • Interest Rate: 12.99%-21.99% (Variable)
Quick Card Facts
  • Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 50% more points: Make 30 or more purchases with your Card in a billing period and get 50% extra points on those purchases less returns and credits. Terms and limitations apply.
  • 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking through amextravel.com.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.
  • Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Preferred Credit Card from American Express

American Express EveryDay Credit Card Unboxing

The Rewards

Amex EveryDay

With this card you”ll get:

  • 2 points per dollar at US supermarkets (up to $6,000 in purchases, then 1 point per dollar)
  • 2 points per dollar on eligible purchases from amextravel.com
  • 1 point per dollar on all other purchases
  • A 20% point bonus if you make at least 20 purchases in a billing period
  • A signup bonus of 10,000 points for spending $1,000 in the first 3 months

So, if you use this card to make at least 20 purchases in a given billing period (about a month’s time) you’ll get a 20% bonus on however many points you earned.

If you earned 500 points, for example: 20% of 500 is 100, meaning you would get 100 extra points.

That’s the equivalent of earning 2.4 points per dollar at supermarkets, and 1.2 points per dollar for other purchases.

Points can be redeemed for statement credits as usual or they can be used to pay for travel expenses purchased through Amex Travel.  They can be transferred to one of many major frequent flier/traveler programs, listed below.

Participating Airline Travel Partners Include:
Delta AeroMexico Air Canada KLM/Air France Alitalia ANA
Asia Miles British Airways El Al Israel Emirates Frontier Hawaiian Airlines
Iberia Plus jetBlue Singapore Airlines Virgin America Virgin Atlantic
Participating Hotel Partners Include:
Choice Privileges Best Western Rewards
Hilton HHonors Starwood Preferred Guest

Amex EveryDay Preferred

For its annual fee you get better rewards than the basic version:

  • 3 points per dollar at US supermarkets (up to $6,000 in purchases, then 1 point per dollar)
  • 2 points per dollar at US gas stations
  • 2 points per dollar on eligible purchases from amextravel.com
  • 1 point per dollar on all other purchases
  • A 50% point bonus if you make at least 30 purchases in a billing period
  • A signup bonus of 15,000 points for spending $1,000 in the first 3 months

You’ll need to use this card 30 times in a given billing period – that’s about once per day – to earn the 50% point bonus.

If you earned 500 points like in the example above: 50% of 500 is 250, so you’d get 250 extra points.

When you hit the threshold that’s the equivalent of earning 4.5 points per dollar at supermarkets, 3 points per dollar at gas stations, and 1.5 points per dollar for all other purchases.

You’ll be able to redeem points with this card just like the basic EveryDay described above.

The Verdict

These cards offer several ways to earn points, and, as you can see, you have the potential to earn a lot more points with the Preferred card.

The real value of these cards come from the point bonuses for frequent spending, but the question is – will you really use the card enough to earn the bonus?

You may find it difficult to use the basic EveryDay card 20 times per month, and I think most people would have a very hard time using the EveryDay Preferred 30 times per month to get the 50% bonus (unless you go out of your way to make a lot of tiny purchases).

Thankfully there is a way around this – you can sign up your (trusted) friends and family as authorized users on your account, which will give them their own cards to use. Having 2 or more people spending with the card will make it much easier to get you to those thresholds.

But, if you can’t get an authorized user or two on your account, you may not be able to reach the spending threshold every month, and you won’t be able to use these cards to their full potential.

Insider Tip: If you like the rewards that these cards offer but don’t think you’ll hit the purchase number thresholds, check out our picks for the Best Reward Credit Cards of 2015.

The Benefits

There is only 1 difference in the benefits of these cards, according to Amex. Check your card terms for details on the specific benefits you have and how to access them.

First, the shared benefits for both the Everyday card and the EveryDay Preferred card.

Entertainment Benefits

Entertainment Access®

Provides exclusive access to pre-sale and member-only events in big cities around the world. Some current offers are tickets to see “The Illusionists” Live on Broadway, preferred seating to see “The Sound Of Music” in Los Angeles, and exclusive access to a special lunch hosted by Chef Emeril Lagasse in Chicago.

Shopping Benefits

Dispute Resolution

American Express will work with you to resolve any problems you have with unauthorized or unrecognized charges.

Purchase Protection

Eligible items are protected against damage and theft for 90 days after the date of purchase.

Return Protection

If a retailer refuses to take back an item, American Express will provide a refund for eligible items up to 90 days after the date of purchase, up to $300 per item and $1,000 per year.

Extended Warranty

Adds up to 1 year to the manufacturer’s warranty on eligible items, for warranties of 5 years or less.

Travel Benefits

Global Assist® Hotline

When traveling more than 100 miles from home, provides 24/7 access to legal, medical, emergency, and other assistance services.

Travel Accident Insurance

Provides coverage against accidental death and dismemberment when traveling by Common Carrier.

Roadside Assistance Hotline

If you break down on the road, Roadside Assistance will help you find nearby services to get you back on track. Third-party service charges will apply.

Car Rental Loss and Damage Insurance

Provides coverage if your rented car is damaged or stolen, when the rental company’s own insurance is declined. Not all vehicle types and rentals are covered.

Exclusive to Amex EveryDay Preferred

Baggage Insurance Plan

This benefit is only available with the EveryDay Preferred version of the card. When traveling by Common Carrier, this benefit provides coverage if your checked or carry-on bags are lost or damaged.

The Verdict

As you can see, both of these cards provide a nice set of extra perks to help you out when shopping and traveling. You can also make good use of the Entertainment Access in cities around the world to make your trips a bit more fun.

The EveryDay Preferred card only has 1 benefit that the basic card doesn’t offer, so don’t worry too much about the benefits when comparing these cards to each other.

The Costs & Fees

Card Annual Fee Intro APR for Purchases and Balance Transfers Regular APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Amex Everyday $0 0% for 12 months 13.24% to 22.24% *Variable 13.24% to 22.24% *Variable 25.49% *Variable 2.7%
Amex EveryDay Preferred $95 0% for 15 months 12.99%-21.99% (Variable) 12.99%-21.99% (Variable) 25.24% (Variable) 2.7%
Card Penalty APR Late Fee Returned Payment Fee
Amex Everyday 29.49% *Variable Up to $37 Up to $37
Amex EveryDay Preferred 29.24% (Variable) Up to $38 Up to $38

The Verdict

When it comes to the costs and fees, there is only 1 difference between these cards: the Preferred version has an annual fee, while the basic version does not.

Examine your shopping habits carefully before making a decision – will that $95 fee be worth it? If you’re making plenty of purchases and can hit that 30 purchase threshold, it’s likely that the card will be worth the fee.

Insider Tip: You may be able to get the annual fee on this card waived. Just call customer service and ask nicely to have it waived, explaining that you’ve been a good, responsible customer for some time. Or, if you’re thinking of canceling the card, you can let them know that you’d consider staying with them if they waive the fee. In some cases they may offer a different incentive, like bonus points.

And if you’re in the military on active duty, you can submit an online request for SCRA benefits, which will probably include having the annual fee waived.

The Bottom Line

If you’re considering getting one of these two cards, there’s one basic question you need to ask yourself: will you make at least 20 purchases per month for the basic card, or will you make at least 30 purchases per month for the Preferred version?

Does this sounds like more purchases than you can make? If so, you’ll be better off with a different reward credit card that provides points or cash back without any requirements.

I have the regular version of this card and use it for groceries and general small transactions, especially when I don’t get more rewards with a different card. That makes it easy to rack up the 20 uses during a month for bonus points. If you have a device that supports Apple Pay, it’s a convenient card to leave in a safe place and just use through Apple Pay if your favorite grocery store supports it (like my favorite, Wegmans!).

– John Ganotis, Founder, Credit Card Insider

If you can do so, signing up an authorized user or two will help you hit your purchase thresholds quickly, and this can be a great way to rack up rewards (as long as everyone uses their cards responsibly).

The EveryDay Preferred in particular has the potential to be very rewarding, providing the equivalent of 4.5 points per dollar at supermarkets, 2.4 points per dollar at gas stations, and 1.5 points per dollar for all other purchases. These are pretty great deals in the world of reward credit cards.

If you liked this review, go ahead and share it with a friend! And if you use either of these cards, do you have a hard time getting to the purchase threshold? How do you do it? Leave your own review of the EveryDay card or the EveryDay Preferred, we’d love to here from you!

Was this helpful?
  • okra

    The Everyday Moments contest ended 4/21/14

    • gohnjanotis

      Thanks for catching that, Okra! I’ve updated the post.

  • Amy C.

    What is the “transaction threshold”? Do you have to spend a certain
    amount before you start earning points? I’m very new to this…

    • Brendan Harkness

      Hi Amy, thanks for your question, and I’m sorry that this response took so long. In this review, “transaction threshold” is referring to a special feature on these cards.
      With the Everyday card, if you make at least 20 purchases (also here called transactions) in 1 month, you’ll receive a 20% bonus on your points for that month.
      With the Everyday Preferred card, if you make at least 50 purchases in 1 month, you’ll receive a 50% bonus on your points for that month.
      This number of purchases, 20 or 50, is what is meant by the “transaction threshold.”

      Most cards don’t have this feature. If you have any more questions, please let us know.

  • Small Fry

    Over two years later, I never thought that the American Express EveryDay card never really caught on?

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