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Amex EveryDay® Credit Card review

A no-annual-fee card with a disappointingly low rewards rate and welcome offer.

finder.com’s rating: 4.4 / 5.0

★★★★★

Please note: All information about Amex EveryDay® Credit Card has been collected independently by Finder and this card is not available through this site.
  • Get this card if you want accelerated rewards for grocery spending and don’t want to pay an annual fee.
  • Pick something else if you want to earn a higher rewards rate.
  • Apply with a good to excellent credit score of 670 or higher.

15,000

Points as welcome offer

Up to 2x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 15 months (then 13.74% to 24.74% variable)

Details

Annual fee$0
Welcome offer15,000 points after spending $1,500 in your first 3 months
Rewards2x points at US supermarkets on up to $6,000 per year then 1x points after that and on all other purchases
Purchase APR0% intro for the first 15 months (then 13.74% to 24.74% variable)
Balance transfer APRN/A
Minimum Credit Score670
IssuerAmerican Express
Avatar

Review by


Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.

Expert review

Like the name suggests, the Amex EveryDay® Credit Card is designed for those who spend a lot on everyday items, with a focus on groceries. This card earns 2x points on purchases at eligible supermarkets,15,000
Points welcome offer sports a $0 annual fee and offers a 0% intro APR on purchases for the first 15 months. You’ll also benefit from a solid welcome offer when you meet the purchase qualifications.

If you’re looking for a relatively simple rewards card for groceries, the Amex EveryDay® Credit Card could be a decent choice, particularly if you don’t yet have the credit chops for one of Amex’s more lucrative reward offerings.

How to apply for the Amex EveryDay® Credit Card

  1. On the American Express website, click Apply now.
  2. Fill out the application form. Provide information like your Social Security number, home address, income source and total annual income.
  3. Review and submit your application.

How long will it take to get my Amex EveryDay® Credit Card?

Because American Express automates conditional approval online, you may get a decision on your application within minutes. If there are issues with your application, it may take a few business days to a few weeks to hear back.

After you’re approved, you’ll typically receive your card within seven to 10 business days.

Amex EveryDay® Credit Card benefits

  • Welcome offer: 15,000 Membership Rewards points.

    When you make $1,500 in purchases within 3 months of your account opening, you’ll earn 15,000 Membership Rewards points.

  • Intro APR: 0% intro APR on purchases for the first 15 months following your account opening.

    This is a strong intro APR, especially for a rewards card. After it expires, your purchase APR is 13.74% to 24.74% variable.

  • Points: 2x points at US supermarkets.

    You’ll earn 2x points at US supermarkets on up to $6,000 per year in purchases, then 1x points after that. For a card with no annual fee, this is a solid rewards rate for grocery spending. On other eligible purchases, you’ll earn 1x points.

What can you redeem Membership Rewards points for?

You can redeem Membership Rewards points for a variety of rewards, including:

  • Gift cards.
  • Statement credit.
  • Travel.
  • Merchandise in categories like home and office, fashion and beauty and technology.
  • Events and experiences.
  • Donations to charity.
  • Paying at checkout with points at partnered retailers such as Best Buy, Amazon and Expedia.

Membership Rewards points may be worth more or less than the industry standard of 1 point for every 1 cent, depending on what you’re redeeming for. Before trading your points, check the redemption rate.

You’ll also like …

  • More points the more you use your card.

    If you make 20 or more purchases with your card in a billing period, you’ll receive 20% more points on those purchases.

  • Transfer points.

    Transfer your Membership Rewards points to eligible frequent traveler programs, such as British Airways Avios, Emirates Skywards, JetBlue TrueBlue, Choice Privileges Rewards, Hilton Honors and Marriott Bonvoy.

  • Travel redemption bonus.

    Your points are worth 2x when redeemed on travel through AmexTravel.com.

  • Use Membership Rewards points for some charges.

    For some types of spending — such as retail, dining and entertainment — you can pay for card charges with Membership Rewards points.

  • Travel protection.

    You’ll have access to the American Express Global Assist Hotline if you find yourself in a pinch on vacation. Complimentary car rental insurance is also included.

  • ShopRunner benefits.

    Get free two-day shipping from various stores through ShopRunner after you enroll.

  • Purchase protection.

    Eligible items are covered against theft and accidental damage with purchase protection.

Survey data on Amex EveryDay® Credit Card

What credit score did you have when you were approved for this credit card?

survey question 2
Based on a survey of 38 people (out of 188 repondents) on finder.com
Answer choicesResponses
740-85042.11%
670-73936.84%
580-66910.53%
300-57910.53%

What interests you most about this credit card?

survey question 3
Based on a survey of 106 people (out of 188 repondents) on finder.com
Answer choicesResponses
Rewards26.42%
Welcome bonus13.21%
Features and benefits34.91%
APR25.47%

What to watch out for

  • Not as widely accepted overseas.

    Because the Amex EveryDay® Credit Card is by American Express, you might not have as many opportunities to use it overseas as you would a Visa or Mastercard.

  • Foreign transaction fees.

    You’ll pay 2.7% for any transactions abroad, and potentially if you use it on a foreign website.

  • It hurts to pay late.

    Making late or returned payments could saddle you with fees as high as $40. American Express may also assess a penalty APR of up to 29.99% variable if you make a late or returned payment.

Compare rewards credit cards

1 - 3 of 35
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
N/A
1.5% cash back on every purchase, every day
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.
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Compare up to 4 providers

What should I know before I apply?

To apply for the Amex EveryDay® Credit Card, you must be:

  • At least 18 years old.
  • A US citizen or permanent resident.

What credit score do I need?

You’ll have a better chance of approval for the Amex EveryDay® Credit Card if you apply with a good to excellent credit score of 670 or higher. A better credit score gets you a better APR and credit limit. If you have at least a good credit score and a relatively high annual income, you may be the type of customer American Express is looking for.

Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries — or hard pulls — on your account, it looks like you’re desperate for credit. This implies you’re having trouble managing your debt, and American Express is less likely to take you on as a customer.
  • Factors that tie into your credit score. American Express factors credit utilization into its approval process — meaning that customers with low balances relative to their credit limits are preferred. Having many new card accounts may be a red flag too, indicating that you’re desperate for credit. It may also give the impression that you’re a flighty customer who’s just hunting for welcome offers.

Amex EveryDay® Credit Card reviews and complaints

Customers generally say the Amex EveryDay® Credit Card is a well-rounded product and highlight the card’s points, $0 annual fee and long intro APR. However, many cardholders say they were approved for much lower credit limits than they expected.

The American Express Company has been accredited with the Better Business Bureau since 1948 and earns an overall accredited rating as of August 2021. However, 90% of its reviews are negative and it has nearly 3,400 customer complaints. Amex cardholders in general complain of rude customer service reps, missing statement credit and issues disputing charges.

The company earns a Trustpilot score of 1.9 out of 5 as of August 2021. Many negative reviews cite unhelpful customer service and inflexible company policies. Positive reviews say the company employs pleasant customer service representatives. Overall, your mileage may vary with American Express customer support.

I got the card. Now what?

  • Make timely payments. Register an account at the American Express site to pay your balance online and enroll in autopay to set up automatic monthly payments.
  • Avoid interest. After the close of each billing cycle, you have a 25-day grace period to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees. Cash advances and foreign transactions also come with fees.
  • Contact customer service. Help documents aren’t easily accessible on the American Express site, but you can call 800-528-4800 for customer service. According to market research company J.D. Power, cardholders give American Express high marks for customer interaction.

Bottom line

The Amex EveryDay® Credit Card is a solid card, offering rewards, a strong intro APR and a welcome bonus. It’s an especially good choice if you regularly spend on groceries. If you have a busy family and spend a lot on gas and groceries, consider cards that offer accelerated rewards for both.

Frequently asked questions

How we determined the value of Amex Membership Rewards points

To determine the average value of an Amex Membership Rewards point, we looked at the equivalent dollar value a redemption option would cost in the Amex Membership Rewards program. We calculated this average across all redemption options available through Amex to reach the approximate value you can expect when redeeming these points on average. In this case, the average value of a single Membership Rewards point came out to 2 cents per point.

Remember that your points could be worth more or less depending on what you redeem them on, so this value should be used as a general guide.

Editorial note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Insurance benefit note: Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Images: americanexpress.com

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