Amex EveryDay Credit Card review 2024: Earn Membership Rewards with no annual fee

The Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) earns flexible Membership Rewards points with no annual fee required. Points for U.S. supermarket purchases and making over 20 purchases per billing cycle can provide a points boost over time.

Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. basics

• Annual fee: $0.
• Welcome bonus: 10,000 Membership Rewards points after spending $2,000 on purchases in the first six months of card membership.
• Rewards: 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points.
• APR: 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.
• Other perks and benefits: 20% bonus points when using the card 20 or more times per billing cycle, secondary auto rental coverage¹, Global Assist hotline² with the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .
• Does the issuer offer a preapproval tool? No.
• Recommended credit score: Good to excellent credit.

About the Amex EveryDay Credit Card

American Express offers a range of travel credit cards that earn points in the Amex Membership Rewards program and the Amex EveryDay Card is one of the few options with no annual fee. This makes the Amex EveryDay Card worth applying for if you want to earn flexible rewards that transfer to airlines and hotels without having to pay for the privilege, or if you want to keep your Amex points “alive” if you have plans to cancel an Amex card with a higher annual fee.

The rewards on the Amex EveryDay Card are solid for a credit card that earns flexible points with no annual fee, earning 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points.

The card also has a unique feature where you’ll earn an additional 20% point bonus each billing cycle the card is used 20 or more times. That makes the Amex EveryDay a good card for everyday spending and purchases, assuming you pay with your card frequently enough to earn the bonus.

Membership Rewards points are extremely flexible and can be transferred to Amex travel loyalty partners, used to book travel through AmexTravel.com or for gift cards, statement credits, merchandise and more. However, be aware that you’ll get less than a penny per point for most redemption options other than booking travel through Amex or transferring to partners. More on that below.

The Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. also comes with a 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies. That makes the card a good choice for paying down large purchases over time, debt consolidation or both. Just be aware that this card has a balance transfer limit of either $7,500 or your credit limit, whichever is less.

Pros

• Earn Membership Rewards points with no annual fee: This is the only personal credit card from Amex that earns flexible points with no annual fee.
• Rewards at U.S. supermarkets: Earning higher rewards at U.S. supermarkets is a plus.
• Potential to earn 20% bonus points: Use your Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. a lot, earn bonus points.
• Intro APR offer: It’s not the longest offer around, but an intro APR period can benefit nearly anyone.

Cons

• Most redemption rates are poor: While transferring points to Amex partners or redeeming for airfare through AmexTravel.com can get you a solid redemption rate, redeeming for merchandise or statement credits is a subpar deal.
• Bonus rewards cap at U.S. supermarkets: This bonus rewards cap in this category makes it difficult to truly maximize your rewards.
• Charges foreign transaction fees: You’ll pay 2.7% of each transaction after conversion to US dollars more for purchases when you use this card for spending overseas.
• High variable APR when intro offer ends: If you carry debt on the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. beyond the introductory period, this card’s sky-high rate may make you regret it.

Amex EveryDay Credit Card rewards

The Amex EveryDay card earns 2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points. Rewards earned with the Amex EveryDay Credit Card are worth 1 cent per point when redeemed through AmexTravel.com for  airfare or hotels booked through the Fine Hotels and Resorts program. However, you’ll only get 0.7 cents per point if redeeming for other prepaid hotels, prepaid car rentals, cruises and more. A point is also worth only 0.7 cents each when redeemed for merchandise at stores like Amazon, Best Buy or Dell, and only 0.6 cents per point if redeemed for statement credits. Shopping with points for merchandise through Amex, only yields a value of 0.5 cents per point. 

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 with $25,087 in expenses they are likely to be able to charge to a credit card. Here’s what we estimate you could earn in rewards on that spending using the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. :

SPENDING CATEGORY	SPENDING AMOUNT	POINTS PER DOLLAR	POINTS EARNED
Delta flights	$1,188	2 miles	2,376 miles
Dining and groceries	$6,985	2 miles	13,970 miles
All other purchases	$16,914	1 mile	16,914 miles
TOTAL	$25,087		33,260 miles

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^{Note: In the estimates above, we’re assuming our sample cardholder plans will use the card for 20 or more purchases each billing cycle.}

The cardholder in this example earns a grand total of 34,255 in Membership Rewards points annually, which is worth $342.55 if used to book flights through Amex. If the points were used to book prepaid hotels, prepaid rental cars, cruises or vacations, the rewards would be worth $239.79 at 0.7 cents a point. When redeemed as a statement credit, the value of a point is 0.6 cents so the points would be worth $205.53.

Amex EveryDay Credit Card APR

The Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. comes with a 0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies.

This makes it a solid option for consumers who need to consolidate high interest debt or make a large purchase and pay it down over time. However, the high variable APR that applies after the intro period ends will make carrying long-term debt with this card costly.

How the Amex EveryDay Credit Card compares to other no-annual-fee cards

Amex EveryDay Credit Card vs. Chase Freedom Unlimited®

If you’re looking for a card that earns strong rewards on everyday purchases, without an annual fee, consider the Chase Freedom Unlimited®. It earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstore purchases and 1.5% cash back on all other purchases. That’s a stronger rate in just about every area except groceries than the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Like the Amex EveryDay, the Freedom Unlimited also comes with a 0% intro APR for the first 15 months on purchases and balance transfers, then a variable APR of 20.49% to 29.24%. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days. After that, a fee of either $5 or 5% of each transfer applies and several travel and purchase protections including extended warranty and purchase protections and trip cancellation and interruption insurance. 

Although the Chase Freedom Unlimited technically earns Chase Ultimate Rewards® points, you can’t transfer rewards to travel partners with this card unless you also own an eligible premium Chase credit card and pool your points with that card. You can, however, redeem your earnings for the most flexible reward of them all: cash. Points earned on the Freedom Unlimited are worth one cent each, which also beats the Amex EveryDay’s 0.6 cents per point for cash back.

Amex EveryDay Credit Card vs. Amex EveryDay® Preferred Credit Card

If you want to earn Amex Membership Rewards points on your routine spending, the Amex EveryDay® Preferred Credit Card (terms apply) is a more rewarding choice than the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Although it has a $95 annual fee, it has a higher rewards rate of 3 points per $1 at U.S. supermarkets, on up to $6,000 per year in purchases (then 1 point), 2 points per $1 on U.S. gas stations and travel purchases booked through AmexTravel.com and 1 point per $1 on other eligible purchases.  Plus, you’ll earn 50% more points each billing cycle that the card is used 30 or more times.

The EveryDay Preferred also has a 0% intro APR on purchases and balance transfers requested within 60 days of opening the account for the first 12 months, followed by a regular APR of 18.24% to 28.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies. For most people, the higher rewards potential makes the EveryDay Preferred a better choice, even with the annual fee.

Amex EveryDay Credit Card vs. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card could be the right fit if you don’t want to deal with bonus categories or complicated rewards programs. The no-annual-fee card earns 2% cash rewards on purchases and also has a 0% intro APR for the first 15 months on purchases and qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro rate and fee of 3%. After that a fee of up to 5%, with a minimum of $5 applies.

It doesn’t offer any purchase or travel protections but it does offer cellphone insurance. More importantly, the cash rewards on purchases regardless of where and how many times you use it might be easier to manage than a card with a rewards structure like the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. .

Should you get the Amex EveryDay Credit Card?

If you want to earn Amex Membership Rewards points with no annual fee, the Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is the only personal credit card from Amex that fits that description. This card does offer bonus points at U.S. supermarkets and when you use it at least 20 times each billing period as well, and these incentives can make it a better deal.

That said, there are plenty of other American Express credit cards to consider, including premium travel credit cards and Amex cards that offer cash back in the form of statement credits. You may also want to explore cards that earn transferable points from other programs like Capital One Miles, Chase Ultimate Rewards and the Citi ThankYou program.

Amex EveryDay Credit Card summary

AMEX EVERYDAY CREDIT CARD DETAILS
Annual fee	$0
Rewards	2 Membership Rewards points per $1 at U.S. supermarkets on up to $6,000 per year (then 1 point), 2 points per $1 on American Express Travel and 1 point per $1 on other purchases. Plus, use the card 20 or more times in a billing period and earn 20% extra points
APR	0% intro APR on purchases and balance transfers for 15 months, followed by a regular APR of 18.24% to 29.24% variable. A balance transfer fee of either $5 or 3% of each transfer, whichever is greater applies
Balance transfer fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Foreign transaction fees	2.7% of each transaction after conversion to US dollars
Major benefits	Secondary auto rental coverage¹ Global Assist hotline²

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Frequently asked questions (FAQs)

^{¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.}

^{²Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.}