The 32 Benefits of The Amex EveryDay Credit Card

The Amex EveryDay^® Credit Card is somewhat of a sleeper card, but it’s a fantastic card because its initial benefits can be leveraged to save you big money.

Sure, it’s a great ongoing everyday card with its double-point earning categories, but its greatest value is available in the first 60 days of card ownership.

With minimal purchase planning and a quick look at any credit card debt you might be carrying, you can leverage the Amex EveryDay Card into substantial savings.

Here’s why this card is unique and how you may be able to realize additional benefits in the first 60 days of having the card.

Quick Card Overview

Terms Apply / Rates & Fees

The Amex EveryDay^® Credit Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!

Learn More(at Amex's secure site)All information about The Amex EveryDay^® Credit Card has been collected independently by Upgraded Points.

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The Amex EveryDay^® Credit Card

Earn 2x points at U.S. supermarkets on the first $6,000 spent in a year, and after 20+ purchases in a billing period, receive a 20% bonus on all points earned!

Welcome Offer

Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.

10,000 points

Annual Fee

$0

APR

0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The information for The Amex EveryDay^® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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The Amex EveryDay^® Credit Card is a great option for those looking to start earning Amex Membership Rewards points without needing to pay an annual fee. Plus, the card rewards you the more often you use it by giving you a 20% bonus when you use your card 20 or more times on purchases in a billing period.

Pros & Cons

Pros

• 2x points per $1 at U.S. supermarkets on up to $6,000 per year in purchases, then 1x
• 2x points per $1 on travel purchases made through Amex Travel
• 1x point per $1 on all other purchases
• 20% bonus points when you make 20 purchases on your card in 1 billing period
• No annual fee
• Access to Amex transfer partners
• Rental car insurance

Cons

• Only offers 2 bonus categories
• Doesn’t offer many benefits

Card Highlights

• Earn 10,000 Membership Rewards points after you use your new Card to make $2,000 in purchases in your first 6 months.
• Low intro APR: 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 18.24% to 29.24%.
• Earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X).
• 1X points on other purchases.
• Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits. Terms apply.
• Use Amex Offers at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement.
• No Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 0% intro APR on purchases and balance transfers for the first 15 months, then a variable APR, 18.24% to 29.24%
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

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• Benefits of The Amex EveryDay Credit Card

Card Benefits

No Annual Fee

• Save money on interest, receive a generous sign up bonus, and reap the benefits of the Amex EveryDay Card without paying an annual fee on the card.

Amex Offers

• Log in to your Amex account online and view your Amex Offers for additional savings opportunities. You’ll find offers such as $20 off a $100 Hilton gift card, 25% off your FedEx shipping bill, and many more offers, some of which can be quite lucrative.

Earning Rewards

The ongoing benefits of the Amex EveryDay Card include earning Membership Rewards Points on every purchase you make, plus incentives for using your card frequently.

Double Down at the Grocery Store

• Earn 2 points for every dollar spent at U.S. supermarkets up to a maximum of $6,000 in purchases per year, then 1% after that.

It’s Your Go-to Card for Uber

• Use your card for your Uber rides and receive 2 points per dollar spent.

AmexTravel.com Can be Rewarding

• Book your travel though AmexTravel.com and earn 2 points per dollar spent.

A Sweet Incentive for Frequent Use

• Boost your earnings quickly by using your card for 20 purchases in any single billing statement period and receive a 20% point bonus.

Every Purchase Earns Rewards

• Earn 1 point per dollar on all other purchases.

Redemption Options that Rock

Membership Rewards Points are generally worth a penny a point when used for most redemptions. You can, however, increase that value when transferring points to partner airlines.

Here are the best options for using your Membership Rewards Points to gain a value of 1 cent per point or greater.

Transfer to Partner Airlines

• Using the American Express transfer partners can deliver the best value for your points.

Redeem for Travel

• Redeem Membership Rewards Points for flights through AmexTravel.com at the rate of 1 cent per Membership Reward Point.

Donate to Charity

• If you have a lot of extra Membership Rewards Points, you can easily donate to many different charities via the Members Give^® program at the rate of 1 cent per point up to 500,000 points per year. The minimum donation is 1,000 points.

Gift Cards

• Redemption values vary, so be sure to strive for nothing less than 1 cent per Membership Reward Point when redeeming your points for gift cards.

Other Redemption Options

There are several additional options for redeeming your Membership Rewards Points. However, the value you receive can be far less than 1 cent per point.

• Transfer points to hotel partners
• Statement credits
• Purchases at Amazon or Best Buy
• American Express Tickets
• Shop with Membership Rewards Points

Bottom Line: While there are numerous ways to redeem your Membership Rewards Points, you’ll want to strive to receive a value of at least 1 cent per point or better. 

Additional Card Benefits, Protections, and Coverages

Added Benefits

• Fraud protection
• Amex mobile app
• Year-end summary

Travel Protections and Coverage

• Auto rental collision damage waiver
• Global assist hotline
• Travel accident insurance
• Roadside dispatch

Shopping Protections and Coverage

• Purchase protection
• Extended warranty protection
• Return protection
• ShopRunner membership

Final Thoughts

Remodeling your office or purchasing new appliances? If you have a large purchase or several purchases in your future that you want to pay off interest-free over time, the Amex EveryDay Card offers a perfect solution.