American Express EveryDay Credit Card Review: Membership Rewards for No Annual Fee, but Little Rewards Value

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The Amex EveryDay® Credit Card The Amex EveryDay® Credit Card
Editor’s Score: (3.0/5)
Learn more externa link icon At our partner’s secure site See Rates & Fees, Terms Apply.
The Amex EveryDay® Credit Card
Editor’s Score: (3.0/5)
  • Intro bonus:
    10,000 Points
  • Annual fee:
    $0
  • Regular APR:
    12.99% – 23.99% Variable
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x). 1x points on other purchases.

NextAdvisor’s Take

Pros
  • Earn points toward the Amex Membership Rewards program
  • Introductory 0% APR offer for purchases
  • No annual fee
Cons
  • Minimal cardholder perks
  • Lower welcome bonus and earning rate than other no annual fee rewards cards
  • Intro 0% APR offer does not apply to balance transfers
  • 2.7% foreign transaction fee
The Bottom Line
With the American Express EveryDay Credit Card, you can earn American Express Membership Rewards points without paying an annual fee. It’s not the most lucrative rewards card, but you’ll earn bonus points at U.S. supermarkets and when you use your card at least 20 times per billing cycle. And if you have a large upcoming purchase, you can also use this card’s 15-month 0% APR period on purchases.

Additional Card Details

  • Use your Card 20 or more times in a billing period and earn a 20% points bonus on those purchases, not including returns and credits
  • 2x Membership Rewards points at AmexTravel.com
  • 0% APR on purchases for 15 months, followed by a variable APR of 12.99% to 23.99%
  • Secondary auto rental coverage (does not include liability)
  • Global Assist hotline
  • Eligible for Amex Send & Split, Amex’s peer-to-peer payment service
  • Eligible for Amex Pay it Plan it, Amex’s flexible payment program
  • Dispute resolution

American Express EveryDay Credit Card Full Review

Card Type

The American Express EveryDay Credit Card is a unique rewards credit card because it earns Amex Membership Rewards points without an annual fee. 

Other Amex Membership Rewards credit cards do have annual fees, while the other cards in Amex’s lineup with no annual fee are cash back credit cards. With its robust 0% APR offer for purchases, this card is also a solid 0% APR card for paying down large purchases interest-free over time.

Annual Fee

There is no annual fee to carry this card.

Welcome Offer

Sign up for the American Express EveryDay Credit Card and you can earn 10,000 Membership Rewards points when you spend $1,000 within three months of account opening. According to Amex, that’s worth up to $100 when you book flights through AmexTravel.com, or $60 when you use points to cover charges on your statement.

Introductory Offer

You’ll get an introductory 0% APR on purchases for 15 months, followed by a variable APR of 12.99% to 23.99%. This introductory offer does not apply to balance transfers.

Rewards

The American Express EveryDay Credit Card offers a mediocre rewards rate. You’ll earn 2x points on up to $6,000 spent at U.S. supermarkets each year (then 1x points) and 1x points on other purchases. If you max out your 2x points at supermarkets (which is equal to about $500 on groceries each month), you’ll earn a maximum 12,000 points in bonus rewards, while every other purchase earns just 1 point per dollar.

The best way to earn consistent rewards with this card is to use it frequently. You’ll earn 20% more bonus points during any billing period when you use your card for purchases 20 or more times. In other words, if you spend $1,000 in a month on at least 20 separate transactions, you can boost your rewards from 1,000 points to 1,200 within that period. 

Fees

The American Express EveryDay Credit Card doesn’t charge an annual fee, but it does charge a 2.7% fee on foreign transactions. A cash advance fee of 5% (minimum $10) can also apply if you use your credit card to get cash from an ATM.

Other fees to watch out for include a late payment fee and returned payment fee of up to $40.

Other Benefits

You’ll be eligible for 2x points when you use your card to book eligible travel through Amex Membership Rewards, including airfare, prepaid hotels, prepaid car rentals, and more.

You’ll also get secondary auto rental coverage (which does not include liability coverage), access to a Global Assist hotline that provides 24/7 phone assistance, dispute resolution services, and access to Amex Send & Split and Amex Pay it Plan it features.

Benefits of American Express EveryDay Card

The main reason to sign up for the American Express EveryDay Credit Card is to get the chance to earn American Express Membership Rewards points without paying an annual fee. 

The rewards you earn in this program are a lot more flexible than cash back — you can redeem Membership Rewards points for gift cards, merchandise, travel booked through AmexTravel.com or transfers to airline and hotel partners. The card’s introductory rate for purchases is also enticing, offering more than a year to pay down new purchases without paying a dime in interest payments.

Pro Tip

While the American Express EveryDay Credit Card extends 0% APR on purchases for a limited time, this rate does not apply to balance transfers. If you need to consolidate high interest debt, make sure to check out the best balance transfer cards.

It’s also a useful alternative to more premium, high annual fee cards within the Membership Rewards program. If you have the Platinum Card from American Express in your wallet, for example, but no longer wish to pay the whopping $695 annual fee, you can keep your Amex Membership Rewards points balance “live” by maintaining another Amex Membership Rewards card, even if you decide to cancel the account. You could also choose to downgrade the more premium card to an Amex Everyday to avoid a hard credit check, but you may no longer qualify for the welcome bonus or intro offer.

Drawbacks of American Express EveryDay Card

The biggest downside of the American Express EveryDay Credit Card is its mediocre rewards rate. You’ll earn 2x points on the first $6,000 you spend at U.S. supermarkets each year — which puts the cap on 2x rewards at 12,000 points annually. On every other purchase, you’ll only earn a 1 point per dollar. Also note that this card charges a 2.7% foreign transaction fee, which makes it a poor option for international spending.

The 20% rewards bonus is a nice benefit, but you must use your card on at least 20 transactions to qualify. If you make small purchases frequently, this could be a good benefit, but if you’re more likely to go for a weekly grocery haul, or do most of your shopping all at once, it could be difficult to reach.

While Amex Everyday can make a good Membership Rewards-eligible option if you’re opposed to an annual fee, other cards within the program that do charge a fee — like the American Express® Gold Card or American Express® Green Card — can be much more valuable long-term.

How to Use Amex EveryDay Card

Start maximizing your American Express EveryDay Credit Card by spending at least $1,000 within the first three months of account opening to score the 10,000-point bonus. That’s equal to about $333 per month. 

Each year, use your card for purchases at U.S. supermarkets, at least until you hit the $6,000 spending max to earn 2x rewards. You can continue to put small purchases on the card throughout the month, too — you’ll only earn 1 point per dollar, but if you already make at least 20 transactions each month, you can score the extra 20% rewards bonus.

Just make sure you’re careful not to spend more than you normally would to earn extra points or make unnecessary purchases to rack up more than 20 transactions — you’ll earn points, but they’re not worth the added cost of those extra purchases over time.

If you have a large upcoming purchase, you can also use the Amex EveryDay’s 15-month introductory 0% APR on purchases. While this isn’t the longest 0% APR offer available, it is competitive with others on the market. Just make sure you have a plan to pay your credit card balance down to $0 before this timeline is up. If you carry debt beyond this date, you’ll begin accruing interest on the remainder at a variable 12.99% to 23.99% APR.

American Express EveryDay Credit Card Compared to Other Cards

  • Intro bonus:
    $300
  • Annual fee:
    $0 introductory annual fee for the first year, then $95.
  • Regular APR:
    13.99%-23.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site. See Rates & Fees, Terms Apply.

Is the Amex EveryDay Card Right for You?

The American Express EveryDay Credit Card isn’t the most lucrative card in Amex’s Membership Rewards lineup, but it is the only card within the program that charges no annual fee.

If you’re looking for rewards on your grocery spending, you’ll find better rewards elsewhere —  including on cards that earn cash back. The Blue Cash Preferred® Card from American Express, for example, earn 6% cash back at U.S. supermarkets, up to the same $6,000 cap each year (then 1%). Many of our favorite cash back cards also offer higher welcome bonuses, often between $150 and $200 in value. 

Even other Membership Rewards cards from Amex can be more valuable in this card’s main rewards category over time, if an annual fee is within your budget — the $250 annual fee American Express Gold Card, for example, earns 4x points at U.S. supermarkets up to $25,000 in spending each year (then 1x), among its other high-value benefits

Before you apply, take stock of your budget and spending — as well as how you may get the most value from rewards redemptions — and make sure to consider all the best card options on the market today to find the right fit.

Frequently Asked Questions (FAQ)

Does the Amex EveryDay card have to be paid in full each month?

The American Express EveryDay Credit Card is a traditional credit card and not a charge card, so you do not have to pay your bill in full every month. However, if you choose to carry a balance, you’ll accrue interest at a variable 12.99%-23.99% APR.

Does the Amex EveryDay Credit Card have an annual fee?

The American Express EveryDay Credit Card does not charge an annual fee.

Does the Amex EveryDay Credit Card charge foreign transaction fees?

The American Express EveryDay Credit Card charges a 2.7% foreign transaction fee when you make purchases abroad.

Does the Amex EveryDay Credit Card earn cash back?

The American Express EveryDay Credit Card earns American Express Membership Rewards points, which you can redeem for online purchases, statement credits, gift cards, travel, and more.