The Amex EveryDay® Credit Card from American Express
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Recommended Credit Score
Good to Excellent
(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a
person and may be one indicator to the credit type you are eligible for.
However, credit score alone does not guarantee or imply approval for any
financial product.
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best for balance transfers
- Annual Fee:
- $0
- Purchase Intro APR:
- 0% on purchases for 15 months
- Regular APR:
- 12.99% - 23.99% Variable
Bankrate Rating
This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.
Editor’s note: Unfortunately this offer is no longer available. Check out our list of best American Express credit cards for alternative offers.
The Amex EveryDay Credit Card is a quality balance transfer credit card with its lengthy 0% intro APR period and (best of all) no balance transfer fee. After you pay off your transfer, the Amex EveryDay is a card that can also occupy a permanent spot in your wallet with a solid rewards structure that rewards you at the supermarket.
Review
The card’s rewards program is fairly pedestrian upon first glance. You’ll earn 2 Membership Rewards points at U.S. supermarkets on up to $6,000 in annual spending. After that you’ll earn 1 point per dollar spent.
The card also should have some marginal value for frequent travelers. You can earn 2x points on eligible travel purchases at AmexTravel.com. Eligible purchases include prepaid hotel stays, vacation packages and cruises.
All other purchases earn 1 point per dollar spent.
These rewards, again, are just OK. But EveryDay offers a unique bonus for frequent users. In any billing period in which you make 20 or more purchases with your card, you’ll earn 20% more points on those purchases less returns and credits.
So if you earned 100 points in a month, and made at least 20 transactions, you’d receive an additional 20 points.
There’s a lot of work involved to make sure you get the bonus every month, and once you hit the $6,000 annual cap on U.S. supermarket spending, you’re better off using another card that earns you greater rewards in that category.
There’s one attribute though that makes this card a standout for some: it’s one of the only cards on the market that has both an introductory 0% APR offer — in this case on both purchases and balance transfers (for 15 months then a variable APR of 12.99% to 23.99% applies) and it doesn’t charge a balance transfer fee for transfers made within 60 days of opening the account. If you were on the fence about this card, but you’re looking for a balance transfer card that has some staying power beyond paying off your debt, this may be the answer.
Who should get this card
If you’re an advanced user — the kind of maximizer who has several rewards cards and keeps spreadsheets to make sure you’re juicing the most benefit from each card — the Amex EveryDay could be worth a place in your wallet.
If that’s not you, go for something that offers a better and easier rewards plan.
Although this card comes with a decent welcome bonus of 10,000 Membership Rewards points if you make $1,000 in purchases in the first three months, the 20% points bonus is what makes this card interesting as a rewards card.
Advantages
- Earn 10,000 Membership Rewards points after you make $1,000 worth of purchases within the first 3 months of opening the account.
- Get 20% more points on your purchases if you use your card 20 or more times in a billing period.
- Terms apply.
Disadvantages
- There’s a $6,000 cap on the 2X U.S. supermarket rewards. After that it’s a flat 1 point per dollar spent.
- There are other no-fee cards that offer increased rewards in other spending categories.
- You have to keep careful track of the number of transactions you make in a given billing period to earn the 20% points bonus. Some retailers will count multiple purchases as a single transaction on your statement.
- This card has a foreign transaction fee of 2.7%, so it’s not a good fit for overseas spending.
Fees and APR
- This card charges no annual fee.
- There’s an introductory 15-month 0% offer on purchases and balance transfers. After that, the standard variable APR of 12.99% to 23.99%. will apply.
- There is $0 balance transfer fee. Balance transfers must be requested within 60 days of opening the account.
- See Rates & Fees.
Extras, perks and using points
Points can be redeemed on the American Express website as a statement credit, for purchases or gift cards from participating partners, for travel through AmexTravel.com or through a points transfer to a participating airline or hotel partner.
Membership Rewards points never expire, and there is no fee for redeeming points. We’ve created a 2019 guide to Amex Rewards for further detail on the potential benefits you can take advantage of with this card.
The card also includes American Express’ travel protections like roadside assistance, auto insurance and global emergency help.