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Amex EveryDay credit card review: The best way to earn Amex points if you don't want to pay an annual fee

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.

Annual Fee
$0
Regular APR
12.99% to 23.99%
Credit Score
N/A
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.25 out of 5 Stars
Editor's Rating
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
Annual Fee
$0
Regular APR
12.99% to 23.99%
Credit Score
N/A
A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
4.25 out of 5 Stars
Editor's Rating
Featured Reward
Earn 10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
Intro APR
0% intro APR on purchases and balance transfers for 15 months from the date of account opening
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • 20% points bonus when you make at least 20 purchases in a billing period
    • No annual fee
    • Access to Amex Offers
    Cons
    • Limited bonus categories
    • The information related to the Amex EveryDay® Credit Card from American Express has been collected by Business Insider and has not been reviewed by the issuer.
    • 2X points at U.S. supermarkets, on up to $6K in purchases
    • 1X points on your other purchases
    • Membership Rewards® Pay with Points
    • 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%

    We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

    Review: Is the Amex EveryDay the best card for you?

    The Amex EveryDay® Credit Card from American Express  is American Express's entry-level card for earning valuable Membership Rewards points. American Express has several different cards that earn Membership Rewards points, including the American Express® Gold Card and The Platinum Card® from American Express , but among personal Amex cards, the Amex Everyday card is the only option that earns Membership Rewards points with no annual fee. (On the business card side, The Blue Business® Plus Credit Card from American Express earns Membership Rewards with no annual fee (See Rates).)

    If you want to cancel one of your Amex cards with a high annual fee, you'll need to make sure that you keep at least one card that earns Membership Rewards points. Otherwise, you run the risk of losing your hard-earned points. The Amex EveryDay card can be a great long-term option in this case, since it has no annual fee.

    Beyond the ability to earn Amex points without paying an annual fee, the Amex Everyday card's standout feature is a 20% points bonus when you make at least 20 transactions in a billing cycle. This means you'll effectively earn 2.4x points at US supermarkets (up to $6,000 spent per year) if you hit that requirement, and your non-bonus purchases will earn you 1.2x points. For those who can earn the bonus each month, this is a great option to maximize spending that doesn't qualify for traditional bonus categories like groceries and dining.

    Bottom line: If you don't want to pay an annual fee but you still want to earn travel points that you can redeem directly through Amex as well as with transfer partners including airlines and hotels, the Amex EveryDay® Credit Card from American Express is hard to beat — especially if you can hit 20 transactions per billing period to earn the 20% points bonus.

    Using Membership Rewards points

    Unlike with Chase Ultimate Rewards and Citi ThankYou points, with American Express's Membership Rewards program, you only have one points-earning account no matter how many credit cards you have. If you redeem your Membership Rewards points through the Amex Travel site, you'll get a value of 0.7 to 1. cents per point. But by transferring your points to Amex's hotel or airline travel partners, your points can be worth much more.

    Amex EveryDay versus other Amex cards

     Amex EveryDay® Credit Card from American ExpressAmex EveryDay® Preferred Credit Card from American Express American Express® Green Card
    Annual fee$0$95$150
    Welcome bonus10k points after you spend $1k in the first 3 months from account opening15k points after you spend $1k in the first 3 months from account opening30k points after you spend $2k in the first 3 months from account opening
    Earning rates

    2x points at US supermarkets*

    2x points on travel booked through Amex Travel

    1 point per dollar on everything else

    3x points at US supermarkets*

    2x points at US gas stations

    2x points on travel booked through Amex Travel

    1 point per dollar on everything else

    3x points on travel

    3x points at restaurants worldwide

    1 point per dollar on everything else

    Transaction bonus20% points bonus when you use your card to make 20 or more purchases in a billing cycle50% points bonus when you use your card to make 30 or more purchases in a billing cycleN/A
     Learn moreNot available through Business InsiderLearn more

    *2x/3x points at US supermarkets on up to $6,000 spent per year, then 1x

    Amex EveryDay versus other no-annual-fee cards

     Amex EveryDay® Credit Card from American ExpressCiti® Double Cash CardChase Freedom Unlimited®
    Annual fee$0$0$0
    Welcome bonus10k points after you spend $1k in the first 3 months from account openingN/A$200 after spending $500 in the first three months from account opening
    Earning rates

    2x points at US supermarkets*

    2x points on travel booked through Amex Travel

    1 point per dollar on everything else

    2% cash back on every purchase (1% back when you buy, 1% back when you pay your bill)1.5% cash back on every purchase**
    Can you use rewards for travel?YesYes, but in order to transfer to most airline partners, you must also have a premium Citi cardYes, but in order to transfer to Chase airline and hotel partners, you also need a premium Chase card
    Intro APR offer0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable rate of 12.99% to 23.99%0% intro APR on balance transfers for 18 months from the date of account opening, then 13.99% - 23.99% (Variable)0% intro APR on purchases for 15 months from the date of account opening, then a 14.99%–23.74% variable APR

    *2x points at US supermarkets on up to $6,000 spent per year, then 1x

    Amex EveryDay features

    Monthly transaction bonus

    One unique feature of the Amex EveryDay® Credit Card from American Express (and the Amex EveryDay® Preferred Credit Card from American Express) is its bonus depending on the number of transactions you have in a given statement period. If you make 20 or more transactions in a billing cycle (roughly equivalent to 1 month), you will get a 20% bonus on the Membership Rewards points that you will earn that month. This is a great way to boost your points earnings, and it's a strong incentive for making the Amex EveryDay® Credit Card from American Express your go-to card, especially for purchases that wouldn't otherwise earn you bonus rewards.

    Car rental loss and damage insurance

    The Amex Everyday card doesn't offer much in the way of additional benefits, but it does include car rental loss and damage insurance, which lets you decline any paid insurance add-ons when you rent a car. Just note that this coverage is secondary rather than primary, meaning it will kick in only after your other car insurance policy's coverage is used. 

    Annual Fee
    $0
    Regular APR
    12.99% to 23.99%
    Credit Score
    N/A
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.25 out of 5 Stars
    Editor's Rating
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
    Annual Fee
    $0
    Regular APR
    12.99% to 23.99%
    Credit Score
    N/A
    A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star
    4.25 out of 5 Stars
    Editor's Rating
    Featured Reward
    Earn 10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.
    Intro APR
    0% intro APR on purchases and balance transfers for 15 months from the date of account opening
    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.
  • Pros & Cons
  • Details
  • Pros
    • 20% points bonus when you make at least 20 purchases in a billing period
    • No annual fee
    • Access to Amex Offers
    Cons
    • Limited bonus categories
    • The information related to the Amex EveryDay® Credit Card from American Express has been collected by Business Insider and has not been reviewed by the issuer.
    • 2X points at U.S. supermarkets, on up to $6K in purchases
    • 1X points on your other purchases
    • Membership Rewards® Pay with Points
    • 0% intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 12.99% to 23.99%

    Amex EveryDay costs and fees

    The Amex EveryDay® Credit Card from American Express has very few fees, and most of them can be avoided by being diligent with your financial habits. It comes with a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening and then converts to a variable APR of 12.99% to 23.99%.

    If you do a cash advance, it comes with a fee of $10 or 5% of the amount of each cash advance, whichever is greater. The APR on cash advances varies with the prime rate and is currently 25.24%.

    Late and returned payments charge a fee of $40 each. If you use the Amex EveryDay card outside the United States, it comes with a foreign transaction fee of 2.7%. Instead use one of the many great cards with no foreign transaction fees.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

    For rates and fees of the American Express® Gold Card, please click here.

    For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

    Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

    For rates and fees of The Platinum Card® from American Express, please click here.

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