You’ve started to earn Membership Rewards points and you realize that a lot of your spending categories aren’t covered.
Now, you’re wondering if there is a better card to use for all those “in-between” categories.
Luckily, there is The Amex EveryDay® Credit Card from American Express to help you out in these gaps!
Card Summary Table
- Card Bonus & Info (Partner Content)
- Card Provider
- Card Type(s):
- Card Focus:
- Annual Fee
- Rewards Center
- Foreign Transaction Fees2.7%
- Typical UsersFood Lovers, Parents / Families, The Average Spender
- Customer Service Number
- Login Link
- PartnersAccess to all the Membership Rewards partners, including airline and hotel partners, as well as other redemption partners available in their portal.
- Interest Rates
- 0% on purchases for 15 months
- Ongoing APR: 14.49%-25.49% Variable
- Late fees ?
- 29.99% Variable
- Balance Transfers
- 0% on balance transfers for 15 months
- Ongoing APR: 14.49%-25.49% Variable
- $0 balance transfer fee
- Cash Advance APR
- 26.74% Variable
The Ideal Cardholder
The Amex EveryDay® Credit Card from American Express Points Categories and Annual Fee
Apply for this card and earn a welcome bonus (see above) if you spend a specific amount in purchases over the allotted time.
Then, for the first $6,000 you spend, you’ll earn 2x reward points at U.S. supermarkets in the year. After that–and for all other purchases–you will earn 1x points.
The card comes at no annual fee.
The Amex EveryDay® Credit Card from American Express Benefits – 20% Bonus
One great benefit of The Amex EveryDay® Credit Card from American Express is the point bonus you can earn each month. For months where you make 20 or more transactions, your points get a bonus of 20% on top of your other points earned.
While there are a few restrictions, such as returns and fees, you will still find this makes for an effective reward point earning card. The 20% bonus makes the categories worth 1.2x and 2.4x per dollar.
Finally, you will have access to the American Express travel portal and travel transfer partners, which allows you to really maximize the value of the points you earn.
Other Benefits: Insurances and Services
While this is not an ultra-premium card, you will still have access to a few different insurances. These include car rental and travel accident insurance along with purchase, return, and warranty insurance.
Additionally, you will have a Roadside Assistance and Global Assist hotline for use in cases of travel emergencies.
While the hotlines are complimentary, any third party services will still cost you money.
Drawbacks of Using The Card
If you are a heavy spender in the U.S. supermarket category, you may max out your 2x point benefit before the year is up. While you will still have access to the 20% point bonus, this will affect your ability to earn.
Without any other bonus categories, the card can fall short of some of the other point earning cards out there. For instance, the Premier Rewards Gold Card from American Express and regular Gold Card from American Express earn points much more quickly.
Not looking for travel rewards? You would likely be much better off with the Blue Cash Everyday® Card from American Express or Blue Cash Preferred® Card from American Express cards. These earn 3% and 6% cash-back in U.S. supermarkets, respectively.
One last drawback is that when factoring in the 20% bonus, it will not work for any bonus points you earn in the AMEX Travel Portal, which is unfortunate.
Final Thoughts: Card Summary
This is a great Membership Rewards earning card for those who don’t spend heavily in any one category. It also serves well as a gap filler when used alongside other MR cards.
Earning reward points at 1x for everything with a 20% bonus comes out to a 1.2x points equivalent.
And if you’re a U.S. supermarket shopper, you will earn 2x points on up to $6,000 (equal to 12,000 points per year). The bonus of 20% makes that equal to 2.4x, or 14,400 points per year.
Don’t forget that you will get 2x on AMEX Travel Portal bookings.
Great Card If
- You routinely make over 20 purchases on your cards each month
- You are looking for a solid Membership Rewards point earner and don’t heavily spend in any one category
- You will utilize the travel benefits that American Express offers
Don't Get If
- You are not a big traveler
- You don’t use your card for many transactions in a month
- You don’t shop at supermarkets frequently
U.P. Pro Tips
If you do all your shopping in bulk, it can be difficult to reach your 20 purchases in a month and get your 20% bonus. Shopping as you need it, of course, makes this easier.
For instance, you could grocery shop weekly instead of all at once, or buy items on Amazon that you might need. Additionally, you could make a purchase for a friend and have them pay you back!
How To Use The Amex EveryDay® Credit Card from American Express: The Upgraded Way
Best Way To Maximize Points
To utilize The Amex EveryDay® Credit Card from American Express to its fullest, you should try to use it for as many of your transactions as possible. Here are some additional ways to ensure you earn the most Amex points:
Tip #1: If this is not your only card, then try to use it for all instances where you would make less than 1.2x points per dollar, making sure to reach the 20 transaction limit each month.
Tip #2: You can earn 2x points in the AMEX Travel Portal if you have any travel to book, but be aware that you may not be offered the best deal (so you will need to check around).
You will also not be eligible for the 20% bonus on the extra one reward point you earn from the travel portal, although your standard 1x point earning will remain eligible.
Tip #3: Check your American Express Offers at the bottom of your account summary screen frequently to see if you have additional points-earning deals.
You will often find 2x point deals on additional vendors that could last for months or even the rest of the year.
Best Way To Redeem Points
American Express Membership Rewards offers many options for redeeming your points. Here are a few of the different options, separated by category depending on how valuable they are.
Low Value Redemptions
Typically coming in under $0.01 per point, you can use The Amex EveryDay® Credit Card from American Express points for the following choices:
- Earn statement credit
- Purchase gift cards
- Shop directly with Amazon.com, BestBuy, or other current retail partners
- Purchase event tickets through Ticketmaster, Telecharge, or AXS
- Shop in the American Express mall
- Transfer points to Plenti Rewards (note: the Plenti program ends July 10, 2018 and all unredeemed Plenti points will expire on that date)
- Pay for hotels in the travel portal
- Pay for an AirBnB stay
Medium Value Redemptions
These redemptions are usually worth $0.01 or slightly above:
- American Express gift cards (and some of their other gift card partners)
- Purchasing vouchers through certain companies, such as AMC Movie Theaters
- Donate to charities
- Pay for flights in the travel portal
High Value Redemptions
The only option here (and our recommended usage) is to transfer points to the American Express transfer partners such as airlines and hotels.
By doing this, you will be able to squeeze $0.02 and above per point, with a minimum transfer of 1,000 points.
Some of the travel partners will be more valuable than others, and several of these partners have less than a 1:1 transfer ratio.
Also note that when you do transfer points, you will be charged a $0.0006 fee per point, up to $99 maximum per transfer.
The card is part of the Membership Rewards program.
American Express Membership Rewards has both airline and hotel partners. The following is the full list available:
Amex Airline Partners: British Airways Executive Club, Asia Miles, Club Premiere Aero Mexico, MilleMiglia Club Alitalia, Air France / KLM Flying Blue, Air Canada Aeroplan, Virgin Atlantic Flying Club, All Nippon Airways (ANA), Hawaiian Airlines, Emirates Skywards, Iberia Plus, KrisFlyer, Delta SkyMiles, JetBlue TrueBlue, Virgin America Elevate, Etihad Guest
This review has given you a taste of a great point earning card for Membership Rewards that doesn’t carry an annual fee.
But how much can you really earn with this card in a year? Our Card Math section is all about finding the maximum value of cards, so read on to find out how this card stacks up.
How The Amex EveryDay® Credit Card from American Express Earns Its Value
For a no annual fee card, the card actually earns points at a decent rate:
|Annual Fee||Points Earned at U.S. Supermarkets*||Points Earned Everywhere||Bonus for Making 20+ Transactions Per Month|
*Supermarket points max out at the first $6,000 of spending, after which you will earn 1x points.
With 2x points at U.S. supermarkets (up to the $6k maximum each year), you can earn up to 12,000 points in supermarkets alone and get 1x points everywhere else.
On top of that, you receive a 20% bonus on all points earned in the month when you make 20 or more transactions. That makes the earning rates equivalent to 1.2x and 2.4x.
Using the Model Families to Value the Card
While doesn’t take complicated math to see how much you can earn, you may be surprised at the value of this simple Membership Rewards card.
Our model families’ yearly spend is detailed below for supermarkets and everything else (gas, travel, and restaurants), and the 20% bonus is shown at the end.
|Family||U.S. Supermarkets||Everything Else||Total Points||Total Points 20% Bonus|
*Total points earned by the families, including the 20% point bonus
Total Value of The Amex EveryDay® Credit Card from American Express
For no annual fee, you can earn 34,320-61,320 Membership Rewards points using the Amex EveryDay! Compared to the regular Blue from American Express®, this is approximately 50% more points.
If you value the points at $0.01 each, the value is $342-$613. However, AMEX points can easily be redeemed for $0.02+ if you transfer them to travel partners.
At $0.02, the points are worth anywhere from $686.40-$1,226.40 and above! Considering these earnings, this is truly a great beginner’s card with a high earning potential. After all, which of us wouldn’t readily accept a $1,000 check at the end of the year??
Alternatives to the Card
For earning Membership Rewards points, The Amex EveryDay® Credit Card from American Express is great since there is no annual fee.
If you want to increase your value even more, you can try The Amex EveryDay® Preferred Card from American Express to earn extra bonus points.
The Amex EveryDay® Preferred Card from American Express earns a 50% bonus instead of 20% after you make 30 transactions in a month, and it earns 3x points at supermarkets as well as 2x at gas stations.
If you spend in the right categories, you could also go with a Premier Rewards Gold Card from American Express. This will earn you 3x points for airfare purchased directly from the airline and 2x for U.S. supermarkets, gas stations, and restaurants, while costing you $195 per year.
However, there are no maximums in the earnings categories here, and the card comes with a $100 airline fee credit which offsets the annual fee.
Card Math Final Thoughts
Having supermarkets as a rewards category is useful for those who don’t really travel all that often, and you will gain the ability to take a good awards trip once a year.
It’s especially good with the 20% bonus, so spending higher will pay off greatly.
Be sure to check your spending levels to determine if this is the most valuable card for you!
The Gritty Details: Everything Else You Need To Know
While the 20% bonus works for most points, there are a few exceptions. This includes earning points on fees and interest, as well as bonus points earned in the AMEX Travel Portal.
American Express also now prohibits earning welcome bonuses for any specific cards more than once in a lifetime, so if you’ve had the card in the past, you will not be able to earn a welcome bonus again.
Also, make sure you are shopping at an American Express qualified supermarket. Anything not qualified in that list will only earn 1x points, as will any supermarkets outside the U.S.
The card has a foreign transaction fee of 2.7% anyway, so you shouldn’t use this card overseas when there are plenty of other credit cards that don’t carry foreign transaction fees.
Other Unique Features
Below, we list all the other benefits available on The Amex EveryDay® Credit Card from American Express.
(Unless noted, all third party services provided will cost money.)
Roadside Assistance – In the event of an accident on the road, you can call this free hotline to be connected with some third party services to help tow you, change your tire, or jump your car.
Car Rental Insurance – You will have access to car rental insurance as long as you decline the rental agency’s waiver and pay for the car with the Amex EveryDay card.
Global Assist Hotline – Another hotline available is the Global Assist. When you are in a bad spot while traveling anywhere, you have access to this hotline any time to be connected with someone who can find you the services you need, whether this is a lawyer, medical assistance, or anything else.
Entertainment Access – American Express provides tickets to popular events that they pre-purchase and make available only to their card members. This can be concerts or VIP experiences not available anywhere else.
Extended Warranty – Extend the warranty of your purchases by up to one year when paying with the card. Certain restrictions apply.
Purchase Protection – After purchasing an item, you will have up to 120 days of coverage in case the item is stolen or inadvertently damaged.
Return Protection – For 90 days from the purchase date of an item, this insurance will cover you in case you need to take an item back and the original vendor won’t allow a return.
Travel Accident Insurance – In case of an accident while traveling on a common carrier, the travel accident insurance will cover your medical expenses and other costs associated with the accident.
ShopRunner – A free shipping service for a number of online businesses is available for members of the card.
Photo Credits / Credit/Copyright Attribution:
Man Over Gap: eelnosiva/Shutterstock
Crane Boxing $ One At a Time: Crystal Eye Studio/Shutterstock
Special Offer: Maxim Skripka/Shutterstock
Man With Rocket Pack: TijanaM/Shutterstock
The card is a great beginner card for earning points that also has a surprisingly high value when used correctly.
Because it has no annual fee, there is no downside to owning the card. Each dollar spent on the card will return value to you, making the card worth it.
Using the card at U.S. supermarkets will earn you 2x points per dollar for the first $6,000 of purchases each year. You'll earn 1x points everywhere else.
You can also earn 2x points in the AMEX Travel Portal.
The most valuable benefit of the card is that after making 20 purchases on the card in a billing period, you will activate a 20% bonus on all points earned that month.
This makes your points earning rates 1.2x and 2.4x!
Additionally, the card has some fringe insurances like rental car and travel accident insurance, as well as some service hotlines and purchase protection.
Yes, this is a Membership Rewards card. All MR cards pool points into a common account, and these points can be redeemed for many awards. The highest value reward is travel partner point transfers.
You will not lose your points as long as you have at least one Membership Rewards card open.
Because points are not tied to any specific card, you can cancel the card and still keep the earned points as long as you have other MR cards.
Most of the time you will see them after your billing statement closes, but it could take two to three months in some cases.
Yes, you will have to pay a fee of 2.7% for using the card outside the United States.
Yes, the card typically has an introductory APR period.
Amex offers a variety of ways to utilize your Membership Rewards points earned with the card. Depending on your choice, your points will be worth anywhere from $0.005-$0.02 each.
A great value for points comes from transferring them to travel partners to be redeemed for awards travel.
Log in to your American Express account and navigate to Membership Rewards to find all the ways you can use your points.
Inside the Membership Rewards portal, you will find the option to go to the "Travel" menu, under which you will see the option to transfer your points to travel partners.
This must be done in increments of 1,000 points at a time.
You can log in and view your account details from American Express' typical login.