Credit cards can provide a convenient way to pay for the items you use every day. If you have the The Amex EveryDay® Preferred Credit Card from American Express, you can shop away and get rewarded in the process.
You’ll find a great option in this card if you use it often and you’re also looking for solid travel rewards. This is especially the case at U.S. supermarkets, since you can earn 3x points per dollar you spend.
Card Summary Table
- Card Bonus & Info
- Card Provider
- Card Type(s):
- Card Focus:
- Gas (Driving)
- Annual Fee
- Rewards CenterAmerican Express Membership Rewards
- Goes Well With
- Foreign Transaction Fees2.7% of each transaction after conversion to U.S. dollars
- Typical UsersParents / Families, The Average Spender
- Customer Service Number
- Login Link
- PartnersAmerican Express works with a wide variety of shopping venues, airlines, and hotels to help you collect points, and you can transfer your points to participating hotel points and airline mileage programs.
- Interest Rates ?
- See Rates & Fees
- Late fees ?
- See Rates & Fees
- Balance Transfers
- See Rates & Fees
- Cash Forwarding
- See Rates & Fees
The Ideal Cardholder
Sign Up Bonus & Earning Categories
If you apply for the card, you will be eligible to get the current sign up bonus after you’ve used your card to make the required amount in purchases within the allotted time frame (see the card summary table above).
Accumulating points on this particular card is pretty easy. That’s because, as the name of the card suggests, you can get your points by spending on “everyday” purchases like groceries and gas.
Earn 3x points at U.S. supermarkets on up to $6,000 per year (after that, you still earn 1x points), 2x points at U.S. gas stations, and 1x points on other purchases (Terms and Conditions Apply).
Your 50% Bonus Is Awaiting You
Similar to The Amex EveryDay® Credit Card from American Express, this Amex card comes with a bonus after making a certain number of purchases with your card inside of a billing period.
After getting your points, including bonus points, if you’ve made 30 or more purchases during a billing period, you’ll earn a 50% bonus on points from those purchases.
This is pretty incredible! With the bonus, the equivalent earnings rate of The Amex EveryDay® Preferred Credit Card from American Express becomes 1.5x (everything), 3x (U.S. gas stations), and 4.5x (U.S. supermarkets).
You will certainly not struggle to earn points if you use the card enough, and this rate rivals that of most other cards out there!
Additional Bonus Categories Common to All Membership Rewards Cards
Like all Membership Rewards cards right now, you can get 2x points for making travel purchases through the Amex Travel Portal or riding with Uber.
Simply sign your card up with your Uber profile to activate.
With the 50% bonus, you’ll be getting 3x points with Uber for every ride, assuming you make it over the 30 transaction threshold.
Unfortunately, the bonus does not apply to points earned in the Amex Travel Portal, although each portal transaction will count toward one of your 30 purchases to active the bonus.
The Benefits of Being a Member of The Amex EveryDay® Preferred Credit Card from American Express
For the utmost in purchase protection, just use The Amex EveryDay® Preferred Credit Card from American Express when you make your purchases. Doing so can give you peace of mind and additional coverage on items you buy (for all items, Terms and Conditions Apply).
- Extended Warranty – With the extended warranty, you can get up to one additional year added to the original manufacturer’s warranty on items you purchase with your AMEX card.
- Purchase Protection – You can keep eligible items safe from damage or theft up to 90 days from purchase by buying them with your card.
- Return Protection – Should you try to return an item you purchased with your AMEX card but it is the original manufacturer, American Express may provide you with a refund of up to $300.
American Express will also work with you to help resolve any fraudulent or incorrect charges that appear on your AMEX statements.
Other Perks: Insurance, Protection and More
The Amex EveryDay® Preferred Credit Card from American Express can also offer some awesome perks if you’re a frequent traveler. Just by having and using your card, you’ll get the ultimate in protection and coverage, such as:
- Roadside assistance
- Car rental loss and damage insurance
- Global Assist Hotline
- Travel accident insurance
- Baggage insurance plan
Regardless of whether you travel for business or fun, you can have the peace of mind in knowing that you’re covered.
Drawbacks of Using The Card
Even though there are a number of nice benefits to having The Amex EveryDay® Preferred Credit Card from American Express in your pocket, there are a couple of things you should consider before signing up.
These are especially important because there are a ton of credit cards out there that you can choose from!
First, this card does charge an annual fee of $95. That being said, if you do a few quick calculations and determine that the rewards will outweigh the cost, that amount could easily be well worth it.
Also, unlike most American Express cards, this card allows you to carry a balance, meaning you don’t have to pay off all of your charges every month.
While this may sound like a benefit at first, it can actually be both a blessing and a curse since interest accrues on the unpaid balance.
So, if you do opt to only pay off a portion of your charges in a given month, you need to be careful not to let things snowball or you could end up owing quite a bit just in interest charges over time.
Any interest paid will massively outweigh the benefits of your points, so don’t get this card simply to collect points if you will go into debt doing so.
The Amex EveryDay® Preferred Credit Card from American Express can provide a ton of bonus points if you use it frequently. There may be other cards that are more suited to you, though, if you don’t think you’ll use it regularly.
If, however, you are someone who pulls out the plastic to pay for purchases both large and small, then you could definitely find yourself racking up the rewards points pretty quickly with this card.
How To Get the Most Out of Your Card
There are a number of ways to get rewards from using The Amex EveryDay® Preferred Credit Card from American Express – starting by using the card for making your “everyday” purchases like groceries and gas.
Use the card at least 30 times in a billing cycle, and you’ll get even more rewards on those purchases. This threshold activates the 50% bonus on all points earned in the billing period.
The card offers a variety of rewards, including protection for purchases like extended warranty options and protection from theft or damage.
For those who travel frequently, the card also provides peace of mind through its additional insurance, roadside assistance, and global assist hotline.
The card offers other nice perks, too, such as an introductory APR on purchases and balance transfers.
Unlike most other American Express cards, members of this card are able to carry a balance from month to month.
Other Potential Rewards Card Choices
If this card isn’t quite a good fit, there are a few others you may enjoy depending on your situation.
You could try the Premier Rewards Gold Card from American Express if you want some more earning category options. For the same value, you get 3x on airfare purchased directly from the airline, 2x at U.S. gas stations, supermarkets, and restaurants, and 1x everywhere else.
This card costs $195 per year, but comes with a $100 annual airline fee credit. If you travel a couple of times per year, you won’t have a problem utilizing this.
To avoid annual fees, you can try the card’s downgraded version: The Amex EveryDay® Credit Card from American Express. This card earns 2x points on U.S. supermarkets instead of 3x, and gets a 20% bonus after 20 transactions in a month.
These are all no annual fee cards that offer 1.5%-2% cash-back on all purchases.
Final Thoughts: A Card Summary
If you’re someone who enjoys being rewarded, then this card can help put a smile on your face. This card provides an easy way to stack up the rewards by offering points on the things you buy regularly.
Groceries, gas, and more…plus, the more often you shop, the quicker the points will add up!
This card also helps you to keep your purchases safe and secure by providing insurance and extra protection when you use it to shop on eligible items.
When traveling, the card will be there to ensure that your trip goes smoothly by providing insurance and additional coverage when you use the card to book your arrangements.
Used correctly, this Amex card can be well worth having in your pocket!
Great Card If
- You spend approximately $100 per week in groceries and make enough additional transactions to reach the 50% bonus level
- You are a frequent driver and buy a lot of gas
- You use your credit card often to make regular purchases
Don't Get If
- You rarely use a credit card when you shop
- You do not travel frequently
- You won’t make enough transactions to reach the 50% bonus level
U.P. Pro Tips
If you’re having trouble meeting the 30 transactions per month goal, have a look at your expenses and see where you are missing out.
Can you use The Amex EveryDay® Preferred Credit Card from American Express to pay for a bill that is being debited from your bank currently? Are you using the card at every appointment? Are there places you’re using cash when you could be using a card?
If you can’t find anything else, try buying those things you’ve been wanting on Amazon.com…each transaction helps!
How To Use The Amex EveryDay® Preferred Credit Card from American Express: The Upgraded Way
Best Way To Maximize Points
There are a lot of ways you can benefit from The Amex EveryDay® Preferred Credit Card from American Express, and you should know the best ways to accumulate Membership Rewards points.
One of the greatest things about this particular card is that it allows you to do just that! By combining bonus categories with overall transaction bonuses, you will be nearing a reward in no time.
Members of the card should ideally have a strategy in place for earning points each month. Here are some tips:
Tip #1: Be sure you use your card 30 or more times on purchases in a billing period so you get 50% more points on those purchases (minus any credits and/or returns).
Tip #2: When you use the credit card for purchases at U.S. supermarkets, you can earn 3x points on up to $6,000 per year. After that, you earn 1x points.
Tip #3: Don’t forget about Uber! You will get 2x points when you use an American Express Membership Rewards card through Uber.
Tip #4: Pay at the pump to get 2x bonus points on unlimited gas throughout the year (U.S. gas stations only).
Tip #5: Check out any Amex Offers in your account portal for other potential deals to boost your points! You may get additional points at places like Target, Amazon.com, and more.
Tip #6: Remember to use the card to book trips on the American Express Travel site. You will get 2x points for all travel booked through the site.
Caveat: the 50% bonus does not cover points earned through the travel portal, but this will count as a transaction towards your 30 transaction goal!
Best Way To Redeem Points
You can redeem points from The Amex EveryDay® Preferred Credit Card from American Express in a multitude of ways. Here are just a few tips on redeeming Membership Rewards points:
Option #1: For those who love to travel, you can use points toward a variety of different frequent flyer programs, or you can use them to pay for travel reservations directly.
Option #2: You can easily book your travel via the American Express travel portal. This will typically provide you with the easiest options for redeeming your points.
Option #3: While travel will generally provide you the most “bang for your points bucks,” points can also be used for obtaining gift cards as well as shopping through one of the many AMEX shopping partners like Amazon.com or BestBuy.com.
However, these options typically produce values of $0.01 or less per point, while travel will get you at least $0.01; some travel redemptions can even be made for well over $0.02 per point!
AMEX airline partners include:
Iberia Plus, Air Canada Aeroplan, KrisFlyer, Delta SkyMiles, Air France / KLM Flying Blue, JetBlue TrueBlue, Emirates, Club Premier Aero Mexico, All Nippon Airways (ANA), Virgin Atlantic Flying Club, Asia Miles, British Airways Executive Club, Virgin America Elevate, Etihad, MilleMiglia Club Alitalia, Hawaiian Airlines.
In order to use The Amex EveryDay® Preferred Credit Card from American Express optimally, it can help to take a look at some true-to-life examples.
Earning Value With The Card
In order to really determine if Amex EveryDay Preferred will be worth it, you could do some quick math that considers the purchases you regularly make. As a recap:
|3x Categories:||Use at U.S. supermarkets on up to $6,000 per year in purchases (then 1X)|
|2x Categories:||Use at U.S. gas stations|
|1x Categories:||Use for other purchases|
|50% Bonus:||Use your card 30 or more times on purchases in a billing period and get 50% more points on those purchases|
Although there are some rewards credit cards that don’t have an annual fee, you’ll often find that the annual fee cards generally offer better rewards.
That being said, The Amex EveryDay® Preferred Credit Card from American Express has a fairly reasonable fee of $95.
Overall, if you are someone who spends roughly $100 per week on groceries and makes other transactions to obtain the 50% bonus point level, then you’ll likely easily make up the $95 annual fee and obtain ample rewards from the card.
Detailing Some Model Family Credit Card Spending
While it may not be all that complicated to see just how much you can earn, you might be surprised at how quickly the points can add up, especially if you use the card enough to qualify for the 50% point bonus.
Utilizing the model families, we can do an estimate based on their bonus categories plus everything else. We’ll assume they always hit the 50% bonus in a month.
|Family||U.S. Supermarkets||U.S. Gas Stations||Everything Else||Total Points (Including 50% Bonus)|
*Total points earned by the families, including the 50% bonus.
The Final Estimate: What The Points Are Worth
For really racking up the rewards points, The Amex EveryDay® Preferred Credit Card from American Express can definitely hit the mark. As you can see, the families can earn between 58,800 and 119,850 Membership Rewards points in a year!
At our typical $0.01 value mark, that is worth $588 and $1,198.50 in rewards. At the $0.02 mark, this is worth anywhere from $1,176-$2,397!
If you’re a frequent traveler, the Amex EveryDay Preferredards, The Amex EveryDay® Preferred can take you places you’ve never been…and then take you back again using your accumulated points!
Card Math Conclusion
If you opt to apply for The Amex EveryDay® Preferred Credit Card from American Express, you will be able to use your benefits to far outweigh the cost of the $95 annual fee on a wide variety of rewards that fit your lifestyle.
Earning anywhere from $588 to $2,397 in points value, you should be able to get at least one rewards trip for the cost of the $95 annual fee!
The Gritty Details: Everything Else You Need To Know
Any time you enter into an important transaction, it’s important to fully understand all the “gritty” details. The same holds true for getting a rewards card.
Even with all the great features of this card, you should know all the ins and outs before you make a decision.
With that in mind, be sure to read all of the fine print on the card agreement before you dive in, as it can help “demystify” how you can accumulate and redeem your points.
Breaking Down the Bonus Categories
When it comes to earning points on The Amex EveryDay® Preferred Credit Card from American Express, here’s how it works:
Supermarkets: You earn 3X points at U.S. supermarkets on up to $6,000 per year in purchases (then 1X). Don’t expect to earn points when traveling abroad (there’s a 2.7% foreign transaction fee anyway!).
Gas Stations: You earn 2X points at U.S. gas stations, so follow the same protocol as with supermarkets.
Also note there are certain restrictions on the 50% point bonus. Anything purchased in the Amex Travel portal and any additional points earned through bonuses will not be added into the calculation.
What this looks like: Say you book a flight in the Amex Travel Portal. You technically earn 1x point from the “everyday” function of the card, plus 1x bonus point from Amex Travel. Thus, you will earn a 50% bonus on the 1x normal point, but not the additional.
Unlike other AMEX cards, this Amex rewards card does allow you to either pay over time or pay in full each month. If you do opt to carry a balance, interest charges may accrue.
There is a 0% introductory APR on purchases and balance transfers for 12 months. After that, however, your APR will become a variable rate.
Other Unique Features
This card carries several benefits that are specific to insurance and travel, including the following:
Roadside assistance hotline – Should your vehicle break down or blow a tire, you can call the number listed on the back of the card for roadside assistance like towing, changing a flat, or boosting the battery.
Car rental loss and damage insurance – If you use your eligible card to reserve and pay for a vehicle rental, you may be covered if your rental car is damaged or stolen.
Global Assist Hotline – When you’re traveling, many unexpected things could occur, such as losing your passport, becoming suddenly ill, or needing legal assistance. The Global Assist Hotline can help you find legal, medical, and other types of help when needed.
Travel accident insurance – Should a card member be killed on a covered trip, loved ones can be provided with additional financial security through travel accident insurance. A trip is covered when the insured purchased the fare using the card.
Baggage insurance plan – Frequent travelers know how quickly and easily bags can get lost or stolen. With the baggage insurance plan, you can be covered when you purchase the entire fare using your AMEX card. Coverage is available for both checked and carry-on bags.
Benefits of Using the Card for Shopping
For major purchases and everyday buys, The Amex EveryDay® Preferred Credit Card from American Express can offer some nice perks. It’s important to understand what these are and how they work. Benefits include:
Extended warranty – When you use your AMEX card on eligible purchases, you can get up to one full year added to the manufacturer’s warranty.
Purchase protection – The purchase protection benefit can allow you to protect eligible purchases against accidents and theft for up to 90 days, if you make the purchase with the card.
Return Protection – If you’ve tried to return an eligible purchase within 90 days from the date of purchase and the original merchant won’t take it back, American Express may refund the purchase price of the item (up to $300) if you purchased it using your card.
Dispute Resolution – Should you find an incorrect or fraudulent charge on your AMEX statement, American Express will work with you to help resolve the issue.
Photo Credits / Credit/Copyright Attribution:
Woman Inspecting Tomatoes: Aleph Studio/Shutterstock
Couple Reviewing Bills: David Pereiras/Shutterstock
Book Online Keyboard: Robert Kneschke/Shutterstock
+50% Bonus: sibgat/Shutterstock
Info about The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by Upgraded Points. The issuer did not provide the details, nor is it responsible for their accuracy.
The Amex EveryDay® Credit Card from American Express
Earn 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
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Is The Amex EveryDay® Preferred Credit Card from American Express worth it?
If you are apt to use a credit card more often than cash for your day to day purchases – and especially if you travel frequently – then absolutely, the card will be well worth it.
First, the card’s annual fee is quite low in comparison to some luxury or “higher earning” cards offered in the market place.
The card also offers a tiered point system that earns 3x points at U.S. supermarkets (up to $6,000 per year), 2x points at U.S. gas stations, and 1x points on all other purchases (Terms and Conditions Apply).
In addition, there is also the 50% point bonus feature. If you use the card 30 or more times on purchases within a billing period, you can get a bonus of 50% more points, which can really help to rack up the rewards.
So if you spend enough to make up for the $95 annual fee, consider it worth it! At $0.01 per point, that comes out to 9,500 points.
Is there an annual fee on The Amex EveryDay® Preferred Credit Card from American Express?
Yes. The annual fee is $95. Consider this low in comparison to all the rewards that can be earned!
Who are the travel partners with The Amex EveryDay® Preferred Credit Card from American Express? Does this card utilize Membership Rewards?
Yes, the partners with this card will be those available through the Membership Rewards program. This includes 16 airline partners and 3 hotel partners!
Will points on the card ever expire?
No, the points on the card will not ever go away or expire – unless you end up cancelling all of your American Express rewards cards. If that happens, then you will end up losing all of your points.
Is The Amex EveryDay® Preferred Credit Card from American Express a 0% APR card?
Yes, you will typically get an introductory APR period.
How does The Amex EveryDay® Preferred Credit Card from American Express compare to the American Express® Green Card?
In general, The Amex EveryDay® Preferred Credit Card from American Express will out-earn the American Express® Green Card for the same annual fee of $95.
It has a 3x bonus category in U.S. supermarkets and a 2x bonus category in U.S. gas stations, while the American Express® Green Card only earns 1x points across the board.
However, the American Express® Green Card does have the unique option to link your AMEX corporate card to your Membership Rewards account so you can maximize the number of points through spending on your business!
Which is better, The Amex EveryDay® Preferred Credit Card from American Express or the Chase Freedom® Card?
This will depend on your individual situation. Of course, if you want to collect more AMEX points you should go with The Amex EveryDay® Preferred Credit Card from American Express. If you need Ultimate Rewards points go with the Chase Freedom®.
The Amex EveryDay Preferred earns between one and three points per dollar, while the Chase Freedom® earns either 1x points or 5x pointss per dollar depending on its rotating categories.
How much you spend in each of these bonus categories will determine which card will be most valuable to you, and this requires a little math. One rule of thumb is that if you spend more in supermarkets and gas you should utilize the Amex credit card.
There are $1,500 limits on the Chase Freedom® Card, so while the 5% bonus is excellent, it can cap out quickly. You may try the Chase Freedom Unlimited℠ instead, which earns 1.5% on all purchases.