Introduction to the Amex EveryDay Credit Card
If you don't want to pay an annual fee but still want to earn travel rewards, the Amex EveryDay® Credit Card is hard to beat — especially if you can hit 20 transactions per billing period to earn the 20% points bonus.
Note: As of late 2024, this card is no longer available to new applicants. The information reflected in this review is intended to guide current cardholders toward the best options for earning, redeeming, and maximizing the card's rewards and benefits. Read our guide to the best no annual fee credit cards for other options.
$0
0% intro APR on purchases and balance transfers for 15 months from the date of account opening
12.99% - 23.99% Variable
Earn 10,000 Membership Rewards® Points
N/A
- 20% points bonus when you make at least 20 purchases in a billing period
- No annual fee
- Access to Amex Offers
- Limited bonus categories
The Amex EveryDay® Credit Card is American Express's entry-level card for earning valuable Membership Rewards points. Beyond the ability to earn Amex points without paying an annual fee, the Amex Everyday card's standout feature is a 20% points bonus when you make at least 20 transactions in a billing cycle.
Amex EveryDay Credit Card Overview
The Amex EveryDay® Credit Card is American Express's entry-level card for earning valuable Membership Rewards points.
American Express has several different cards that earn Membership Rewards points including the American Express® Gold Card and The Platinum Card® from American Express. But among personal Amex cards, the Amex EveryDay® Credit Card is the only option that earns Membership Rewards points with no annual fee. (On the business card side, The Blue Business® Plus Credit Card from American Express earns Membership Rewards with no annual fee.)
If you want to cancel one of your Amex cards with a high annual fee, you'll need to make sure that you keep at least one card that earns Membership Rewards points. Otherwise, you run the risk of losing your hard-earned points. The Amex EveryDay® Credit Card can be a great long-term option in this case, since it has no annual fee.
Amex EveryDay Credit Card Rewards
Welcome Offer
The Amex EveryDay® Credit Card comes with a small but still worthwhile welcome offer for a no-annual-fee credit card: 10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months. These points are worth $180 by Business Insider's estimation of what Amex points are worth.
How to Earn Rewards with the Amex EveryDay Credit Card
The Amex EveryDay® Credit Card earns 2x points at U.S. supermarkets on up to $6,000 per year in purchases, then 1x per dollar spent. It earns 1 point per dollar on all other purchases.
Beyond the ability to earn Amex points without paying an annual fee, the Amex EveryDay® Credit Card's standout feature is a 20% points bonus when you make at least 20 transactions in a billing cycle.
This means you'll effectively earn 2.4x points at U.S. supermarkets, on up to $6,000 spent per year, if you hit that requirement, and your non-bonus purchases will earn you 1.2x points.
For people who can earn the bonus each month, this card offers a great option to maximize spending that doesn't qualify for traditional bonus categories like groceries and dining.
Redeeming Rewards with the Amex EveryDay Credit Card
Unlike with Chase Ultimate Rewards and Citi ThankYou points, the Amex points program only gives you one points-earning account no matter how many credit cards you have to your name.
If you redeem your Membership Rewards points through the Amex Travel site, you'll get a value of 0.7 to 1. cents per point. But by transferring your points to Amex's hotel or airline travel partners, your points can be worth much more.
Amex EveryDay Credit Card Benefits
Monthly Transaction Bonus
One unique feature of the Amex EveryDay® Credit Card (and the Amex EveryDay® Preferred Credit Card ) is its bonus depending on the number of transactions you have in a given statement period. If you make 20 or more transactions in a billing cycle (roughly equivalent to 1 month), you will get a 20% bonus on the Membership Rewards points that you will earn that month. This is a great way to boost your points earnings, and it's a strong incentive for making the Amex EveryDay® Credit Card your go-to card, especially for purchases that wouldn't otherwise earn you bonus rewards.
Car Rental Loss and Damage Insurance
The Amex Everyday card doesn't offer much in the way of additional benefits, but it does include car rental loss and damage insurance, which lets you decline any paid insurance add-ons when you rent a car. Just note that this coverage is secondary rather than primary, meaning it will kick in only after your other car insurance policy's coverage is used.
Amex EveryDay Credit Card Annual Fees and Other Costs
The Amex EveryDay® Credit Card has very few fees, and most of them can be avoided by being diligent with your financial habits.
Annual Fee
The Amex EveryDay® Credit Card has a $0 annual fee.
0% Intro APR and Ongoing Interest Rate
The card has an initial period of no interest: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening (then 12.99% - 23.99% Variable APR).
Other Fees
If you do a cash advance with the Amex EveryDay® Credit Card, you'll pay a fee of $10 or 5% of the amount of each cash advance, whichever is greater. The APR on cash advances varies with the prime rate.
Late and returned payments charge a fee of $40 each. If you use the Amex EveryDay card outside the United States, it comes with a foreign transaction fee of 2.7%. Instead use one of the many great cards with no foreign transaction fees.
Amex EveryDay Credit Card Comparison
This card can be valuable for the right consumer, but there may be other cards that better suit your financial needs. We've evaluated a few of them here for your consideration.
Citi® Double Cash Card vs. Amex EveryDay® Credit Card
The Citi® Double Cash Card is another popular no-annual-fee credit card that earns 1 point per dollar (1% cash back) when you buy, plus an additional 1 point per dollar (1% cash back) when you pay your bill.
The card also offers a long intro APR on balance transfers: 0% intro APR on balance transfers for 18 months, then 18.24% - 28.24% Variable APR, making it one of the best balance transfer credit cards if you want to pay down debt over time without incurring more interest.
For a deeper dive into the differences between these cards, check out our Citi Double Cash card review.
Chase Freedom Flex® vs. Amex EveryDay® Credit Card
The Chase Freedom Flex® is another no-annual-fee credit card that punches above its weight class. The Chase Freedom Flex offers new cardholders a nice intro bonus: $200 bonus after you spend $500 on purchases in the first three months from account opening.
It earns 5% cash back (in the form of 5 points per dollar) on quarterly bonus categories and on travel booked through Chase Travel℠; 3% back (3x) on drugstore and dining purchases, including takeout and eligible delivery services; and 1% back (1x) on everything else.
If you don't mind keeping track of and activating bonus categories, the Chase Freedom Flex can quickly outearn the Amex EveryDay® Credit Card. It's a World Elite Mastercard, which comes with a generous benefit for a credit card with no annual fee: When you use the card to pay your monthly wireless bill, you're eligible for cell phone protection against covered theft or damage, up to $800 per claim and $1,000 per year, with a $50 deductible per claim and a maximum of two claims per 12-month period.
Here's our Chase Freedom Flex credit card review for a closer look at this card.
Amex EveryDay Credit Card Frequently Asked Questions
Does the Amex EveryDay Credit Card charge foreign transaction fees?
The Amex EveryDay® Credit Card charges a foreign transaction fee of 2.7%.
What credit score do I need to get the Amex EveryDay Credit Card?
The Amex EveryDay® Credit Card typically requires a good to excellent credit score for approval.
What credit score do I need to get the Amex EveryDay Credit Card?
The Amex EveryDay® Credit Card typically requires a good to excellent credit score for approval.
What credit score do I need to get the Amex EveryDay Credit Card?
The Amex EveryDay® Credit Card typically requires a good to excellent credit score for approval.
Does the Amex EveryDay Credit Card offer travel insurance?
Yes, the Amex EveryDay® Credit Card offers various travel insurance benefits.
Why You Should Trust Us: How We Reviewed the Amex EveryDay Credit Card
We compared the Amex EveryDay® Credit Card to other no-annual-fee credit cards on the market, evaluating key differentiators such as welcome bonuses, ongoing rewards, benefits, and transaction fees to be aware of.
Read more in our guide to how we rate credit cards to learn more about our methodology.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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