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 those who want to easily earn travel rewards on routine purchases, but aren’t quite ready for a higher-stakes annual-fee card.

Amex EveryDay® Credit Card

Overall Rating
4.3
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 (%) 12.99% - 23.99% 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
3.1
for Fees
3.3
for Rewards
3.5
for Credit
3.7
Current Offer

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 See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    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. However, if you spend more than $500 a month on groceries, you’ll hit the annual earning limit for bonus points on groceries before the year ends and should look for a card with a higher bonus category earning limit, or one without a limit entirely.

However, the opportunity to earn enhanced rewards and pay no annual fee still makes this a solid choice for those who want to earn flexible travel rewards on their regular expenses.

Pros
  • No annual fee

  • Decent rewards on day-to-day purchases

  • Flexible travel rewards

  • More points for frequent spenders

Cons
  • Earning caps may limit grocery 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. 
  • Decent rewards on day-to-day purchases: The 2 points per $1 earning rate on groceries isn’t the highest offer on the market, but if you can’t stand the thought of an annual fee, it’s a solid choice.
  • Flexible travel rewards: You’ll earn American Express Membership Rewards points with this card, which means you have many ways to redeem your rewards, but they’re especially good for travel. The most valuable option? Transferring points to a partner hotel or airline loyalty program (often at a 1:1 ratio). 
  • More points for frequent spenders: An extra 20% boost in points you can get by using the card 20 times in a billing period is a nice perk. If you qualify for this perk, it turns 1 point into 1.2 points and 2 points into 2.4 points. 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 card in your wallet).

Cons Explained

  • Earning caps may limit grocery rewards: On average, American households spend approximately $4,464 on groceries (according to data from the Bureau of Labor Statistics), which is below the $6,000 spending threshold for extra grocery rewards. If you spend more than that on groceries ($500 per month), you’ll quickly max out your bonus category earnings. Before you apply for this card, review your past grocery expenses to see if it will be a good fit. 
  • Foreign transaction fee: You might be earning points that are best used for booking travel, but this is not a great card to use when you’re traveling 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. Those bonus points are only worth about $114, based on our calculation of Membership Rewards point values. This welcome offer alone probably won’t entice cardholders since it’s not the best (several competing cards offer more rewards for the same spending requirement), but it’s still a nice jumpstart toward points earning.

To offer a bit of flexibility during the pandemic, you may have more time to earn your new cardholder bonus, if you haven’t already earned it. For more information, see “Credit Card Deals Help You Earn and Use Travel Benefits During COVID-19”. 

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.

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.

The most points you can earn per $1 with this card is 2.4 points per $1 (when you use this card so often that your 20% bonus applies). 

Redeeming Rewards

Membership Rewards points can be redeemed in various ways, but most valuable when 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 convert to Delta Air Lines miles, our research shows your points would be worth 1.54 cents each, on average.

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. 

When redeeming your Membership Rewards points, choose high-value travel options, such as flight tickets booked via amextravel.com or transferring points to a partner hotel program. Avoid redeeming points for cash back, since that’s actually one of the worst ways to use Membership Rewards.

If traditional cash back is more appealing than travel rewards, we recommend either skipping this card or pairing it with another from our Best Cash-Back Credit Cards list. 

Amex EveryDay Card’s Other Features 

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

  • Rental car collision insurance (secondary to your own policy)
  • Global Assist Hotline for traveling abroad 
  • Lowest Hotel Rate Guarantee 
  • Purchase protection if something you buy breaks or is stolen
  • Free shipping through ShopRunner membership

Customer Experience

Amex has a strong reputation when it comes to customer service, and is in first place in the 2020 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 access to your credit score through American Express MyCredit Guide tool (which is also available to those without an Amex card). 

Security Features 

You can sign up for Amex’s MyCredit Guide to see your TransUnion credit report weekly at no charge. Other more standard 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 remember you will be charged a 2.7% fee for each foreign transaction.

Next Steps
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CURRENT CARD
Amex EveryDay® Credit Card
overall rating
4.3
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 (%) 12.99% - 23.99% 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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. American Express. "Amex EveryDay Credit Card." Accessed Oct. 13, 2020. 

  2. American Express. "Important Information Regarding Rates, Fees, and Other Cost Information." Accessed Oct. 13, 2020.

  3. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed Oct. 13, 2020. 

  4. American Express. "How do I report and replace a lost, stolen or damaged Card?" Accessed Oct. 13, 2020.