Amex EveryDay Credit Card Review

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The Amex EveryDay Credit Card offers a seamless introduction to the world of American Express’ Membership Rewards program for users who are not quite ready for a higher-stakes annual fee card. With extra rewards for supermarket spending and for using the card frequently, the points potential is respectable compared to similar no-fee rewards cards.

Amex EveryDay® Credit Card

overall rating
4.4
Amex EveryDay® Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2 points per $1 at US supermarkets on up to $6,000 per year. Earn 1 point per $1 for other eligible purchases.
INTRO PURCHASE APR 0% for 15 Months
Foreign transaction fee (%) 2.7%
Ratings Breakdown
for Interest
2.6
for Fees
4.4
for Rewards
4.2
for Credit
4.0

Earn 10,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months.

Who is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things
    Adventure Seeker

There’s a reason why it’s called the “EveryDay” card—it’s geared toward supermarket shoppers who make grocery runs and other purchases almost daily. The opportunity to earn enhanced rewards and pay no annual fee makes this a solid choice for shoppers who want to make the most out of their regular expenses.

While there are lots of cash-back cards that might make sense for such a shopper, if you’re more interested in travel rewards, this card offers a nice menu of travel redemption options. If you need an extra selling point, the decent 0% APR balance-transfer period, paired with a rare no-balance-transfer-fee offer can help you make headway on a nagging debt.

Pros

  • No annual fee

  • Top-notch balance transfer offer

  • Extra rewards for grocery spending

  • A 20% points boost for frequent use

Cons

  • Just OK rewards

  • Foreign transaction fee

  • Mediocre welcome offer

Pros Explained

  • No annual fee: This card allows you to earn Membership Rewards points without having to pay yearly for the privilege to do so.
  • Top-notch balance transfer offer: While there are a few cards out there with longer 0% introductory periods for balance transfers, most of those have balance transfer fees around 3%. This card never charges a balance transaction fee, and if you open an account, you’ll have 60 days to do a transfer with 15 months interest-free.
  • Extra rewards for grocery spending: If you spend about $500 a month in groceries, you can maximize your rewards earnings. This isn’t the highest offer on the market, but if you don’t have excellent-tier credit and can’t stand the thought of an annual fee, it’s a solid choice.
  • A 20% points bonus for frequent use: The extra 20% boost in points you can get by using the card 20 times in a billing period is a nice perk. It may take a little planning if you’re only a once-a-week grocery shopper to use the card enough (especially if it’s not the only plastic in your wallet). But if you can swing it each month, why not?

Cons Explained

  • Just OK rewards: For the rewards alone, the card is middle-of-the-road, at best. But if it’s your first foray into the points world, the card’s other features can still make it a worthwhile choice—and your experiment won’t cost you anything. 
  • Foreign transaction fee: You might be earning points you can put toward travel, but it’s not a great card to use when you’re abroad, because it has a foreign transaction fee.
  • Mediocre welcome offer: Are there more enticing sign-on bonuses out there? Surely. But as an entry-level rewards card, the Amex EveryDay sets a reasonable spending threshold to earn extra points. You need only rack up around $85 per week at the supermarket to hit the $1,000 minimum in three months.

Amex EveryDay Welcome Offer

If you spend $1,000 in the first three months after opening your card, you earn 10,000 points. This welcome offer alone probably won’t entice cardholders since it’s not the best, but it’s still a nice jumpstart toward points earning.

Like most credit cards, American Express sets a “net spend” requirement, meaning it will subtract any returns from your spending total, and you must keep your account in good standing (i.e., no late payments).

Earning Points & Rewards

With the American Express EveryDay card, you earn Membership Rewards, which never expire as long as you have an active account. Cardholders earn 2 points per $1 spent at supermarkets up to $6,000 per year. After reaching that limit, supermarket purchases earn 1 point per $1 for the rest of the year. All other purchases also earn 1 point per $1.

By comparison, other no-fee rewards cards provide up to 5 points per $1 spent in certain categories. The most you can earn here is 2.4 points per $1 (when you buy groceries so much that your 20% bonus applies.)

Redeeming Rewards

This card earns Membership Rewards points, which can be redeemed for various rewards, but are usually best used for travel. You can, for instance, redeem 10,000 points to pay for $100 worth of flights at AmexTravel.com, whereas those same points are only worth a $60 statement credit. 

You can also transfer points to 19 different airline partners, including Delta, JetBlue, and Hawaiian Airlines, as well as to the Hilton, Choice Privileges, and Marriott hotel programs. 

When you book flights through amextravel.com, your points are worth 1 cent each. If you transfer to an airline partner, they may be worth much more. For example, if you transfer to Delta Air Lines, our research shows your points are worth 1.60 cents each. If you transfer to Air Canada, we found they’re worth 2.16 cents each.

How To Get The Most Out Of This Card

Spend $1,000 in the first three months to get your 10,000-point welcome offer. Then, be sure to use the card for all of your grocery spending (at least until you hit $6,000), as well as small everyday purchases so you can max out both the 2 points per $1 on supermarket spending and the 20% monthly points bonus (which turns 1 point into 1.2 points and 2 points into 2.4 points). When redeeming, choose options with higher values, like travel booked via amextravel.com or transfers to airline partners.

If you buy your groceries at big-box or warehouse stores, those purchases don’t qualify for the 2-points-per-$1 offer (sorry Target and Costco lovers). Stick to supermarkets.

Amex EveryDay Card Excellent Perks 

Most credit cards come with added benefits for cardholders, and there are scores of potential perks you could get from your credit card company. But some stand out for their exceptional value, which is why we want to highlight them. The Amex EveryDay offers one “excellent perk”:

  • Travel accident insurance: Get accidental death and dismemberment while traveling on a plane, train, ship, or bus if you paid for the fare with your card.

Amex EveryDay Card’s Other Features 

The following features generally apply to purchases and travel paid for in full with your card. 

  • Global Assist Hotline for help while traveling abroad
  • Purchase return protection
  • Lowest Hotel Rate Guarantee 
  • U.S. or Canada Roadside Assistance Hotline
  • Purchase protection if something you buy breaks or is stolen
  • Secondary rental car loss and damage insurance coverage

Customer Experience

Amex has a strong reputation when it comes to customer service. In fact, it narrowly missed first place in the 2019 J.D. Power customer satisfaction ranking. Cardholders have access to customer service 24/7 via the website’s online chat feature or by calling the customer service hotline. You also get free FICO scores, and an online year-end summary is a great tool for analyzing your finances.

Security Features 

You can sign up for Amex’s MyCredit Guide to see your TransUnion credit report weekly at no charge. Other security features include account alerts and notifications, and fraud protection so that you’re automatically off the hook for any unauthorized charges on your account. You can also place an instant freeze via your online account, and request a free replacement card if you misplace your plastic.

Amex EveryDay Card Fee to Watch Out For

Most of the Amex EveryDay’s fees align with industry standards, but you will be charged a 2.7% fee for each foreign transaction.

For Amex EveryDay® Credit Card
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CURRENT CARD
Amex EveryDay® Credit Card
overall rating
4.4
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate Earn 2 points per $1 at US supermarkets on up to $6,000 per year. Earn 1 point per $1 for other eligible purchases.

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.