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The Amex EveryDay Credit Card — Full Review [2023]

Name: The Amex EveryDay Credit Card — Full Review [2023]
Item: The Amex EveryDay Credit Card
Rating: 3.5
Author: Alex Miller

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"Membership Rewards with a 20% bonus!"

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)

Alex Miller

- Updated: May 21, 2023, 10:17pm CDT

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.

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

Amex EveryDay Card — Snapshot

Welcome Bonus & Info (Partner Content)
- 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.
- No Annual Fee.
- Terms Apply.
Card Categories:
- Credit Card Reviews
- Credit Cards with No Annual Fee
Rewards Center
American Express Membership Rewards
Customer Service Number
1-800-528-4800
Login Link
https://online.americanexpress.com/
Related Articles
- Benefits of The Amex EveryDay Credit Card

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 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 — Fees

Foreign Transaction Fees
2.7% of each transaction after conversion to US dollars.
Interest Rates
- 0% on purchases for 15 months; 13.74%-24.74% Variable thereafter
Late fees
- Up to $40
- Penalty APR: 29.99% Variable
Cash Advance APR
- 25.99% Variable
- Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

The Ideal Cardholder

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.

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 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 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 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 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.

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
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 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.

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.

We’ve also compared the Amex Everyday card to other popular cards:

Amex Everyday card vs. Blue Cash Everyday® Card from American Express

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.

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.

Featured Image Credit: American Express

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 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.

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.

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned tens of millions of travel points and miles, mainly through maximizing every opportunity to earn the most points possible on each dollar spent.

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