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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
With years of experience in corporate marketing and as the Executive Director of the American Chamber of Commerce in Qatar, Keri is now Editor-in-Chief at UP, overseeing daily content operations and r...
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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.
3.5
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
10,000 points
$0
0% on purchases for 15 months; 13.74%-24.74% Variable thereafter
Good to Excellent (670-850)
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!
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.
3.5
Learn More(at Amex's secure site)All information about The Amex EveryDay® Credit Card has been collected independently by Upgraded Points.
Apply With Confidence
Know if you're approved with no credit score impact
If you're approved and accept this Card, your credit score may be impacted.
The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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.
Card Snapshot
Welcome Bonus & Info
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% on purchases for 15 months from the date of account opening, then a variable rate, 13.74% to 24.74%.
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.
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 1 category
You want a card with no annual fee
Don’t Get If
You are not a big traveler
You don’t use your card for many transactions each billing period
You don’t shop at supermarkets frequently
Amex EveryDay Card Points Categories and Annual Fee
Apply for this card and earn a welcome bonus (see above) if you spend a specific amount on purchases over the allotted time.
Then, for the first $6,000 you spend, you’ll earn 2x rewards 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.
Bottom Line: The Amex EveryDay card earns 2x points at U.S. supermarkets (for the first $6,000) and 1x points for everything else.
Amex EveryDay Card Benefits — 20% Bonus
One great benefit of the Amex EveryDay card 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.
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 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.
Best Way To Redeem Amex Membership Rewards 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 1 cent per point, you can use Amex Membership Rewards 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
Pay for hotels in the travel portal
Pay for an Airbnb stay
Medium-Value Redemptions
These redemptions are usually worth 1 cent per point 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
By doing this, you will be able to squeeze 2 cents 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 a $99 maximum per transfer.
Best Way To Maximize Amex Membership Rewards Points
To utilize the Amex EveryDay card 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 Membership Rewards 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 AmexTravel.com 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 eligiblefor the 20% bonus on the extra 1 reward point you earn from the travel portal, although your standard 1x point earning will remain eligible.
Tip #3: Check your Amex 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.
Alternative Cards to the Amex EveryDay 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 American Express® Gold Card earns points much more quickly.
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.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
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.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros
4x points per $1 at restaurants, plus takeout and delivery in the U.S.
4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
3x points per $1 on flights purchased directly from airlines or at Amex Travel
Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
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.
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
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.
This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.
Pros
3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
Cons
Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.
Financial Snapshot
APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
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.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$250
$0 intro annual fee for the first year, then $95.
19.24%-29.99% Variable,0% on purchases for 12 months
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.
With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!
Pros
6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
1% cash-back on all other purchases
Cons
$0 intro annual fee for the first year, then $95 annual fee (rates and fees)
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations.
3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
Terms Apply.
Financial Snapshot
APR: 19.24%-29.99% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
One last drawback is that when factoring in the 20% bonus, it will not work for any bonus points you earn in the AmexTravel.com portal, which is unfortunate.
For the rates and fees of the American Express Gold Card, please click here. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
The information for The Amex EveryDay® Credit Card has been independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the American Express® Gold Card, click here. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of the Blue Cash Preferred® Card from American Express, click here.
Frequently Asked Questions
Why get the Amex EveryDay card? Is it worth it?
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.
What are the Amex EveryDay card benefits?
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 AmexTravel.com 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.
Does the Amex EveryDay card use Membership Rewards?
Yes, this is a Membership Rewards card. All Membership Rewards 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.
When do American Express points expire?
You will not lose your points as long as you have at least 1 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 Membership Rewards cards.
When do Membership Rewards points post to your account?
Most of the time you will see them after your billing statement closes, but it could take 2 to 3 months in some cases.
Is there a foreign transaction fee on the Amex EveryDay card?
Yes, you will have to pay a fee of 2.7% for using the card outside the U.S.
Is the Amex EveryDay card a 0% APR card?
Yes, the card typically has an introductory APR period.
How much are Amex points worth?
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 0.5 to 2 cents each.
A great value for points comes from transferring them to travel partners to be redeemed for awards travel.
How do you transfer Membership Rewards points to partners?
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.
Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
